23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There was a misunderstanding about my XXXX XXXX XXXX account payment in XX/XX/2019 which caused my account to be reported late to all 3 credit bureaus ; XXXX, XXXX, and XXXX. I made an attempt to process my monthly payment online in XX/XX/2019 but the payment did not process because of an error. I was not aware that the payment did not process until I was attempting to make my next month 's payment in XX/XX/2019. 

After realizing that my account was delinquent I spoke with a XXXX customer service representative over the phone that informed me that XXXX XXXX payment did not process. The representative then voluntarily suggested that I have my upcoming payments auto-drafted from my account and get on a 3-month payment plan. The balance for XXXX, XXXX, XXXX, and XXXX was divided over the next 3 months so that I could become current by XX/XX/2019. Assuming that this would be the best solution I took the representative 's advice because the solution that she provided me would prevent me from shedding a lump sum of money all at once. 

Never did I think the customer service representative 's advice would negatively impact me later. In XX/XX/2019 I decided to review my credit report only to find that the advice that the XXXX representative gave me was not the best advice. My credit report showed 4 months ( XXXX, XXXX, XXXX, XXXX ) of late payments. I did not understand how this was possible because the representative suggested that I divide my payments over 3 months to become current but she never once mentioned that 4 months of late payments would be reported to the credit bureaus. I immediately reviewed my online account and my account was current but when I reviewed the transactions line by line I was charged a late fee for each month that I was on the payment plan. 

I did not think this was fair at all so I contacted XXXX XXXX customer service department and explained all of the details of what had taken place to the customer service representative that I had been paired with for the current call. The representative apologized to me for the misunderstanding but told me that there was nothing that she could do about it, unfortunately. The 4 late payments on my credit report are weighing heavy on my credit report and credit score. I feel that I was misinformed by XXXX XXXX customer service representative causing me to make a poor decision. As a result of the poor advice given by XXXX XXXX customer service representative, I feel that XXXX should be willing to take some responsibility for the misleading information that their representative provided. If you suggest something to a customer you should at least communicate all of the terms involved with what you're suggesting to a customer which she did not do. Had I known that the payment plan would put me in this predicament I would not have agreed to it. 

Since this incident occurred I have not had any more issues and I watch my XXXX account closely to avoid errors and mistakes in the future but I feel that it is only fair that XXXX grants a goodwill adjustment because the late payments were beyond my control.
Product: Credit card

To whomever this may concern, Regarding reference # XXXX Account ending in XXXX I attempted to make an on-line single purchase using my Wells Fargo debit card ending in XXXX for the amount of {$63.00} with an international clothing company, XXXX ( also known as XXXX ) on XX/XX/year>. However, my Wells Fargo debit card was rejected/decline on three attempts per online message received at time of checkout. I then proceeded to use an alternate means of payment utilizing XXXX pay in 4 loan instalment agreement. In which payments of {$15.00} would be deducted from my XXXX XXXX XXXX credit card ending in XXXX every 2 weeks for a total of 4 payments-until {$63.00} paid in full. On XX/XX/year> I logged into my WF online banking account to discover there was three duplicate transactions of {$63.00}, {$63.00}, {$63.00} from clothing company XXXX totalling {$180.00}.
Product: Debt collection

XXXX  XXXX  account was with XXXX XXXX XXXX, XXXX XXXX XXXX sold XXXX XXXX to XXXX, XXXX XXXX, IL XXXX. By switching the company I had a option to cancel the account and change the company. I was given assurance from my Sales agent " XXXX ( XXXX ) XXXX, XXXX agreed to keep the same condition and the same benefits that was given to XXXX XXXX XXXX by XXXX XXXX XXXX and if XXXX XXXX XXXX don't like the service they can cancel the account. 
XXXX was doing the business totally different than XXXX  XXXX XXXX. They don't have sales agent assigns for business, XXXX  doing business through out sourcing employee base in XXXX. Most phone calls goes to voice mail and answer by different sales people. We finally tired did not satisfy with their service and XX/XX/2019 paid our account in full and request not to renew our account. 
XX/XX/2019 we call for total balance, call answer by Mr. XXXX call center in XXXX. Amount was XXXX. Check of XXXX was sent and it was cleared XX/XX/2019 verified by XXXX, from call center in XXXX. They keep sending us invoice and finally they gave our account to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. We gave them all the proof and record and our correspondence went almost XX/XX/2019. XX/XX/2019 I received 1st letter from different collection agency for demanding payment, Rauch-Milliken International,  Inc XXXX XXXX  XXXX, XXXX, LA XXXX We response there letter and request to verify all the previous documents from XXXX, with out delay they sent us another threatening letter to take us to court and after judgement seizing our account and property. All the documents are attached.
Product: Mortgage

I ordered a payoff on XXXX and the company has not provided within the required XXXX business days.
Product: Checking or savings account

MY PROBLEM IS WITH CITIBANK OF XXXX XXXX, TEXAS. I OPENED AN ATM/CHECKING ACCOUNT THAT I BELIEVED WAS A NON MONTHLYFEE ACCOUNT. 

I DEPOSITED ABOUT {$200.00} AND DID MAKE A FEW CHARGES FROM XXXX. HOWEVER, I DID HAVE A POSITIVE BALANCE. UNTIL I LEARNED TODAY, XX/XX/2019. AFTER SO MANY UNWANTED PHONE CALLS. OFTEN WHEN I PICK UP THE PHONE, I WOULD GET A COMPUTER SYSTEM THAT WOULD DISCONNECT OR HANGUP ON ME. 

AT THIS POINT, ALL I WANT IS NOT TO HAVE ANY COMMUNICATIONS WITH CITIBANK AND FOR THEM TO STOP CHARGING ME FEES EACH. TERMINATE ALL SERVICE OR CONTACT WITH THEM PERIOD.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX  date opened XX/XX/2021 partial account # XXXX as individual and charged off.
Product: Credit reporting

I have disputed with Experian several times about my bankruptcy. They are reporting it incorrectly. I have submitted documentation and they will not delete this INACCURACY. I have asked for method of verification, all Experian has sent has been stall tactic letters. I want this deleted. Experian need to follow the federal laws. They ca n't be verifying this information for the bankruptcy. The address is wrong and there is no phone number to call. I want this deleted.
Product: Credit card or prepaid card

This account was opened XX/XX/2016 in the amount of {$3600.00} that I have absolutely no knowledge of and NEVER received a credit card or limit or mail for this account. And it has been closed out.
Product: Debt collection

I am a victim of identity theft and as a result of this identity theft now a collection agency has placed an account on my credit report that is not mine. I did not do business or live at the " soundwater apartments ''. Until today I had never even heard of them. I attempted to contact them and left a voicemail but nobody has responded so I am filing this complaint.
Product: Money transfer, virtual currency, or money service

To me this boils down to one overarching issue and I can only guess that I'm just 1 of 100 's of thousands of Americans who have experienced this. 

Issue : XXXX/PayPal XXXX have too much reliance upon automated algorithms for customer account security at the expense of simply allowing customers to prove account ownership via answering questions. Both companies claim they have limited parameters for consumer questions and when exhausted can not provide account access. 

Their response is simply to " open a new account '' and will not provide any reasons for such actions. 

Consumer recourse to reach a human agent on the phone of either company is nested so deep in their websites that it is nearly impossible to reach a human agent for timely resolution of account issues. 

Additionally, when those resources are found within their websites many times it then asks for the consumer to login to make contact with the company from the same accounts they are currently locked out of. Thus creating a loop where the consumer has even more limited options of reaching the company for assistance. 

Timeline : XX/XX/2020 - I spent 3 hours tediously web chatting with eBay until finally reaching an agent on the phone who was able to provide access. 

XX/XX/XXXX. 2020 - I spent 2 hours tediously web chatting with PayPal and was never able to speak with an agent. My account access was never restored during that time even after answering all of their questions with 100 % accuracy. 

These two dates only represent account lockouts happening since I began documenting the interactions across the XXXX/PayPal XXXX as there have been multiple prior occurrences even though I use both companies very infrequently. 

It's also worth noting the account lockouts occurred after I had successfully logged in to XXXX and PayPal respectively earlier on both days prior to the account lockout.

These two dates also represent the longest periods of account lockout and in the case of PayPal, there is no resolution to-date.

In the case of PayPal which is a registered XXXX XXXX XXXX ( XXXX Registration Number : XXXX ) with XXXX, Im amazed that they are able to wield so much power over consumer finances yet offer so little consumer service and fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 I ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number ****XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSE TO INVESTIGATE MY DISPUTE
Product: Debt collection

I recently disputed a medical account with Eastern Account System in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. I think this is very unprofessional from a company to not respond to a request and this is over 4 months old and I've been patient enough and now I want answers I want them to validate this debts I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient authorization but I do not remember signing for them to release my medical information to any collection agencies including this one. 
I want them to provide a copy of my signature with the provider of service to release my information to Eastern Account System. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel really disappointed having to wait over 4 months and never to be responded to.
Product: Prepaid card

I received an American Express gift card totally {$25.00} for a XXXX gift. I activated it on XX/XX/. It says the card is active and the balance is {$25.00}. Ive tried to use this card in stores ( XXXX : XXXX ), inside the gas station, online ( ex : XXXX, XXXX, XXXX ), to pay my phone bill ( XXXX XXXX ), to pay my power bill ( XXXX XXXX  XXXX ) to add it to my XXXX XXXX  and to buy something for my XXXX  on his XXXX XXXX. Every transaction has been declined. Ive called 3 times asking why its not working they keep saying its declined for my protection and to keep trying but that i also need to pick different stores when I asked why stores they couldnt tell me and just kept repeating that its for my protection. I can not use this card anywhere it does not work. Regardless that it says you can use it anywhere Amex is accepted.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, Comenity CB/XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Comenity CB/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.