23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

incorrect information on all three credit Bureaus. they all have different reporting on my credit reports like collections. please remove all accounts that are not showing the same on all credit Bureaus. according to law 15 U.S CODE 1681 A 1 A. also 15 U.S code 1679 c.
Product: Credit card or prepaid card

I called American Express about a week and a half ago to make two payments. The representative took my request over the phone for {$600.00} and {$400.00} and I was told later that my payment was returned for insufficient funds which was not true I had sufficient funds .I tried to make the payment again this time for {$1500.00} this next rep only confirmed the last few digits of the account so I never would have known that the first rep failed by not typing in one of the beginning XXXX  digits. That then got returned both times American Exoress put a 4 day hold on the payment so I was not able to use my card. Now that it is a week and a half later I tried to call them to make a payment again and they say not only will the hold days increase to another 6 day hold even though it was their error that caused this they tell me that every payment I make going forward no matter which account I pay from will be a 6 day hold. This is the worst credit card Ive ever had. They refuse to compensate me for all the pain, suffering and damages Ive endured from their error
Product: Debt collection

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX LT customer service. 

XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Product: Credit card or prepaid card

I have an incredibly specific complaint about XXXX XXXX and their " only on this flight '' credit card offers. Now, I've witnessed this from time to time, but I can speak directly to this complaint as I've witnessed 76 ( that's right ... seventy-six! ) times this year alone. How do I know this? Because I've been on 76 American flights this year and every last one of them has offered me an " only on this flight super special once in a never time deal ''! 

Now, I can appreciate that they want to squeeze as much money out of folks as possible, but ... to lie to consumers literally *EVERY FLIGHT* about this AND to not have any way to opt out of being marketed at in a very aggressive way that you have no way of stopping is completely unacceptable. They claim it's not on every flight, so I must either be the most lucky passenger in the world to have the same XXXX offer shouted and rammed down my throat every time I get on the plane OR ... they're lying to customers and creating completely false advertising. 

This practice is complete nonsense. You pay a *lot* of money for flights and these folks are XXXX bent on forcing you to listen to their nonsense. What I've found out is they highly incentivize their employees to do this ( even when they're not supposed to ) to hawk these products and XXXX the customer experience and the honesty of the pitch! Heard this directly from a flight attendant who was traveling next to me on a plane. 

What can we do to stop dishonest and captive marketing like this?
Product: Debt collection

I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

chase changing for cash advance on XXXX purchases. charged 3X {$10.00} plus interest on small purchases.
Product: Prepaid card

XX/XX/2024 I bought a Google Play gift card from XXXX XXXX. When I tried to redeem it, I got the error message, " We need more info to redeem your gift card. Send us details. '' I was directed to the following form : https : XXXX? XXXX I submitted photos of the gift card ( front and back - scratched off with code revealed ) and my receipt I submitted the name of the store where it was purchased, the code of the gift card, and they city where I purchased said gift card XX/XX/2024 Received a Google Play Support email saying : Thank you for your patience while we reviewed your account. We have identified someinconsistencies with your account and the information that you provided to us. As a result, weare unable to help you redeem these gift cards. 
I submit the support form again to double check the code I submitted I received no response XX/XX/2024 I submit the support form again, submitting the same photos and information XX/XX/2024 I receive the same message : Thank you for your patience while we reviewed your account. We have identified someinconsistencies with your account and the information you provided us. As a result, weare unable to help you redeem these gift cards.
Product: Debt collection

I received for the second time in XXXX years a garnishment summons. FIA card services working through XXXX XXXX XXXX XXXX have garnished my wages before with no knowledge of a supposed debt with them. I filed a homestead deed and stopped it. I just received another wage garnishment summons and they have started garnishing my wages yet again with no explanation, no nothing in what this debt from XXXX is. I have written them a debt validation letter that the received on XXXX XXXX. I have never received any correspondence before these two summons and them garnishing my wages. No billing statements, no nothing. The debt is supposedly from XXXX which was 16 years ago through Bank Of America. When I contacted the credit bureau XXXX they told me the address for that debt was from Florida. I have never lived in Florida in my life nor, have I ever had dealings with Bank Of America or FIA cards services. I filed a fraudulent address on my credit. I still have not received any validation from the company that the debt is mine, which, I know it is not my debt and this is fraudulent activity. I am in the process of filing another homestead deed. If the company does not validate the debt or prove that is mine, I will be hiring another lawyer to sue for the pay they have taken from me. I have never ever, received any correspondence from them ever.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. this charge came from the same portal where I pay my rent. When I noticed the charge I contacted BOFA immediately. Spoke with person from Nevada. That person told me that they would handle it. It did not get handled. I have never paid XXXX XXXX XXXX before. The portal that I used was hacked XXXX  and someone had my debit card information and used my information. BOFA has sent nasty messages stating that I was aware that the charge had taken place. I have been trying aggressively to get my money back for over a year. This caused something else to be in default because this money was hacked from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Product: Debt collection

Hi, I received a call from this agency. Apparently I have a {$3000.00} hospital bill. The original creditor was XXXX XXXX, XXXX XXXX XXXX in XXXX. The issue is, that I had XXXX/medical insurance at the time. From what I know, it is illegal, is it not? To send a medicaid patient to collections, to try to bill them for a hospital visit? When this collection agency called me, the associate named XXXX had tried to tell me that this was not the case, even though several resources, federal and state laws on the internet seemed to say that it was the case. 
Additionally I called XXXX XXXX about it a few months ago, and told them I had insurance at the time and the insurance number, and they said they would reach out to XXXX. In the meantime I would assume that this account would be removed from the collections agency, or they would have to cease trying to collect. However, just a few days ago was when I received the call from them. I called XXXX XXXX again after, and they said that they notified the collection agency. I am on social security/disabled and I receive medicaid. I don't understand why I'm being targeted by this agency for a hospital visit. Why XXXX XXXX  sent me to collections when I had XXXX.
Product: Mortgage

This past XXXX I called Wells Fargo Customer Service and asked to have 3 months of my mortgage payments deferred to the back end of my mortgage because I had to close my restaurant due to covid. I was told by the customer service rep that it would be no problem because wells Fargo was there to help us get through this terrible time. I wasn't asked to fill out any paperwork. About a week later I received a letter from Wells Fargo explaining what my next steps were. It clearly spells out the next steps in the letter from Wells Fargo that the three months payment would be moved to the back end of the loan. At the time of the request I was 2 months behind in my mortgage. Between XXXX and XXXX I Made two payments on the mortgage to bring the mortgage current. I then received a phone call from Wells Fargo in early XXXX asking if I needed to extend the deferral period. I told them that I didn't want to extend and that I would resume my regular payments in XXXX which I did and have paid on time in XXXX & XXXX as well. In XXXX I starting receiving loan modification documents and constant phone calls from their loan modification department telling me that my loan was sold previously and the Savings and Loan that owned it would not honor the deferral and that if I did not apply for and receive approval on the modification that they would start acceleration on foreclosure. I was also told that since I am still out of work that I would be denied approval. I was told by Wells Fargo who services the loan that The savings and loan would not honor the deferral because at the time I called for deferral I was two months behind. I asked why I wasn't informed of that in the deferral acceptance letter or on the phone and was told that the policy was put in place on XX/XX/XXXX which was three months after I was accepted. On the date that new policy was put in place I was already caught up with the two months in arrears. This puts my home in peril. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Honda Wrongly reported missed payment to credit bureaus. 

I leased my car with Honda in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed Honda about my new address. I have been paying taxes since day 1 on time. Below are dates of each year Honda sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
Honda Account XXXX. XXXX Case I opened with Honda : Dispute # XXXX Details of property taxes I have been sending to Honda are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Product: Vehicle loan or lease

I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.
Product: Student loan

I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Breach at Equifax. Flawed and haphazard financial system where the " plumbing '' consists of multiple for profit and lightly regulated companies opportunities acquiring our data only to handle it irresponsibly while daily selling elements of it to the highest bidder. We receive no compensation in return, but essentially, our private data is the " product '' these outfits monetize o a daily basis and it adds up to billions of dollars a year in revenue for them.
Product: Debt collection

In XX/XX/2024, I received a letter from I.Q. Data International , Inc., and promptly responded via certified mail, providing a detailed letter and a copy of the finalized court order confirming the correct amount owed as {$1600.00} ( including rent, court costs, and interest ). Despite this, I.Q. Data International has not updated the account balance or provided a response addressing the court order. Instead, I received a second letter dated XX/XX/2024 ( Reference : XXXX ), which still lists the incorrect total of {$2600.00}, including an additional {$40.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach. My information was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX, but my FHA loan with Wells Fargo was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to Wells Fargo to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a Wells Fargo Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent Wells Fargo the closing statement from when the property was sold and copies of my credit report showing the change.
Product: Debt collection

The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.