23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In reference to XXXX : The CARES Act states that XX/XX/2020, is included as one of the wage garnishment refund dates. My paycheck was not valid until XX/XX/2020, and the payroll company can not put the transfer on the accounting ledger until XX/XX/2020. 

The perpetrator 's comment : " As for the complainant 's XX/XX/2020 paycheck addressed in his complaint, that garnishment will not be refunded as the payroll company had already processed that prior to this Act being effective. Any payments processed after XX/XX/2020 by his payroll department will be refunded to him. The refund and suspension process are steps that take time and do not happen immediately. '' Delta Management Associates is out of compliance with the law as the CARES Act includes XX/XX/2020, as a payroll date in which wage garnishments are to be refunded.
Product: Credit card or prepaid card

Hello I was astonished after have a Barclays arrival plus card card for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX  XXXX XXXX, WI XXXX - AR XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$480.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} - XXXX   XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX
Product: Mortgage

During the period after I filed a XXXX XXXX bankruptcy I notified Mr. Cooper in writing, via certified letter, of my continued intentions to save my home. Mr. Cooper received the letters. I asked for all the options that could save my home. Forbearance, forgiveness, modification, grants, etc. I was greeted with the usual no response. I hadn't heard anything about my home till the sherriff posted a letter on my door. Neither Mr. Cooper nor their lawyers contacted me. I was ONLY given 3 weeks notice. This is wrong. Once again Mr. Cooper chose not to help me save my home. It seems they have their minds made up and want my home. I have been dealing with deception from Mr. Cooper for years. I am certain they will once again refuse to respond to a complaint. They do what they want and never get reigned in.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus Experian, XXXX, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. Experian, XXXX, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information ftc was XXXX XXXX XXXX
Product: Credit card

I had a Costco membership with a Costco American Express ( AMEX ) Credit Card. Costco ended it 's relationship with AMEX and began a relationship with VISA. I let my AMEX expire and thought that by doing so my Costco membership would end as well. What actually happened was that Costco tranferred my account to VISA. I never activated the VISA card sent to me but I had recurring billings on my AMEX that were transferred to the VISA account. The VISA account was set up with CitiBank. I ignored subsequent mail from Citibank assuming it was advertising. On XX/XX/2016 I received an email from Citibank indicating my account was past due. At that time I called Citi and asked for a statement to be sent to me as I had no idea what had been charged to this card. On XX/XX/2016 I paid the full balance on the card and cancelled it. In the interim, Citi made a report to XXXX and XXXX XXXX that I had an account that was 120 days past due. This has changed my Credit Scores from Excellent to Weak. I made several phone calls to Citi trying to get this resolved. I finally reached someone who gave me an address and fax number for CitiBank Credit Bureau disputes. I was told there was no phone number to reach that department. I faxed the information to Citi on XX/XX/2016 and left contact information so they could reach me. Today is XX/XX/2016 and I have heard nothing and have no idea if they are looking at my case.
Product: Checking or savings account

My aunt sent me a check for {$5000.00}, my bank ( Simmons ) deposited and credited my account then after I spent the money on bills, they bounced the check then froze my account for 2 weeks, causing me to incur multiple late fees for all the bills I couldn't pay due to the fact that everything is done electronically now. When husband opened account at different bank I could not be added to it for those 2 weeks for something on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I still don't understand that, as I never could find anything on XXXX If Simmons had called me about any issue w the account it could have been addressed and corrected but they chose to mail me a letter about the check. We noticed the bounce on our mobile banking app same day it happened. As my husband 's card was declined at a restaurant. Even after said issue was corrected they still froze account for 2 weeks. Then closed it, and again mailed us a letter and a check. The letter simply states we chose to close your account. If this is how banks do business I'm worried for our future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Experian stated they updated an account that I have been disputing for over 3 months, how is that possible when they did not do an investigation? In fact the status on my report shows it has not been updated since XX/XX/2022, however I received the update notice on XX/XX/2022 ( 5 months later ). There is INCORRECT information on my credit report SHOWING THE ACCOUNT IN QUESTION INCLUDED IN A BANKRUPTCY, BEING 30 DAYS LATE TWICE IN A ROW AND MULTIPLE CHARGEOFFS ( all not reporting 100 % accurate as required by the FCRA, and ILLEGAL UNDER THE BANKRUPTCY CODE. since more than 30 days has passed since this account was updated Experian is required under the FCRA to remove the listed below or I will seek monetary damage of {$1000.00} per violation. Enclosed is proof Experian continues to violate my rights under the FCRA. Account XXXX : XXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.
Product: Mortgage

I lost my house to a fire on XX/XX/XXXX. Gregory funding mortgage company has had the insurance check for 5 weeks now and am still waiting for them to credit my account. I need them to do this so that I may sell property as is and find a new home. I had lived there for 24 years and I lost everything. I am retired XXXX XXXX XXXX XXXX, served XXXX. They need to finalize this for me. I would appreciate any help with this.
Product: Debt collection

They are the scammers who took my card information and get in to my computer without my permission. I did not receive any information from them and they are not picking up my calls.
Product: Checking or savings account

My JP Morgan Chase checking account was compromised by a debt card transaction with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and I reported it to JP Morgan Chase and they reversed the charge and then performed an investigation by their fraud team and found that I was liable for the transaction even though I was in another state at the time and that Geographical I authorized the transaction electronically using my debt card and PIN #? 

I contacted XXXX and they have no records on such a transaction and the Back is refusing to honor their cybersecurity fraud reimbursement agreement.
Product: Money transfer, virtual currency, or money service

Theyve blocked me from making payments. I have outstanding balances with companies that only accept Venmo and I cant pay them. Venmo wont tell me what happened or why, they just said to use another payment processor, which XXXX cant. 

Im unable to male purchases from other people or vendors, unable to pay outstanding balances, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

United accounts is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt on my credit file, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax did not comply with the FCRA regarding the legitimacy of a FTC Identity theft report and refused to block the account that was determined to be fraudulent. I have sued them regarding the same issue before, and I will again.
Product: Mortgage

This bank is doing deceptive practices, misleading and misinforming customers. I have been trying to pay down the principal of my loan since the inception of the loan, however the bank finds excuses to not allow the funds to go towards the principal of the loan. They auto-debit my monthly home mortgage payment ( stipulation of the loan ), however if additional funds are paid towards the principal through their online portal, they allocate the extra payment towards the monthly payment and refund the scheduled auto-debit or may " keep it in another account '' which sits idle. Their website has the capability of making additional payments, however like other banks, they don't have the option of choosing what the payment is for, regular, additional, Principal ONLY, Interest only, or etc. The bank asks that when additional payments are paid, that I message the bank. Even though I do that, the payments still are not allocated properly and I have to call. The bank alleges extra payment can't be done the beginning of the month, or the end of the month or any XXXX week window of the time the auto-debit or the monthly payment is due, leaving the consumer with a short window to make the extra payment because it will then be considered as the regular payment. Shy of talking to the XXXX  of the bank, which I haven't been able to do, I have talked to numerous managers who tell me that they are not acting in a deceptive manner, yet at the end of the day, the bank is deceiving the consumer and performing deceptive practices to prevent paying down the principal of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX ACCOUNT XXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Vehicle loan or lease

the car was pick up in 2019 and sold i quess but the company is still wanting me to pay XXXX for them to remove it from my history thank you
Product: Checking or savings account

So I have been working with XXXX XXXX at Trustmark trying to gain access to my accounts that last I knew had around XXXX together one was a money market and the bank doesnt even have any records of this XXXX that just vanished as if it never existed. Along with a checking account that has my XXXX XXXX XXXX going to it. So far I have given home tax transcripts, state issued ID, birth certificate, ged transcripts, and a notarized document. Then after all this he still want allow me to access my account. And since he is the only one I sent a copy of my ID to, Im sure he is the one that reported to my home state claiming my ID to be fraudulent. I would also be willing to bet he gave my personal information to the guy trying to still my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}
Product: Mortgage

To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.
Product: Debt collection

XXXX XXXX Account XXXX is being reported on my credit report with a balance of XXXX. I never had a contract with this debt collector for any debt. I have requested proof from the original creditor that this debt collector owns this debt and has legal authority to collect it. I have requested the XXXX XXXX XXXX with no results or response.
Product: Checking or savings account

I discovered I was enrolled in a financial service with US Bank XXXX XXXX XXXX '' on my checking account. I was not aware of this account and the actual cost related to this. I saw the line-item ; however I was not clear what it was. I thought it was just a bank benefit that would become active if used. Then I saw the line item on my statement Auto Payment XXXX XXXX XXXX and when I called US Bank, the Customer Service Rep confirmed it was an actual XXXX XXXX  Account and I was getting charged. Most upsetting was that I was not aware of the enrollment, and especially the XXXX XXXX interest rate. 

I never used the funds. I made an appointment with a banker with little response. I started the conversation early XXXX and by XXXX, he indicated there was nothing he could do. I paid the balance off as I felt I had no choice but now I see it's impacting my credit negatively.
Product: Debt collection

I try to reach out, to see if I can get the original copy of the dont because I know for sure its not my debt.
Product: Debt collection

I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.