23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and Portfolio Recovery Associates asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Product: Checking or savings account

I received an email stating that I opened an US band checking and savings account, which I did not do. I contacted US bank customer service, and it had different addresses for the accounts. I did not attempt to open any accounts nor provided my address and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has over 80 pages of information about me. They are reporting things going back over 20 years. I've called them many times to remove anything from inaccurate addresses to outdated information. The most recent would be they reported an " at fault accident '' on XX/XX/2022 in which I was not at fault. I was made aware when I was searching for auto insurance for my new car last week. I was quoted at rates being hundreds of dollars more than what I should be paying. If it wasn't for LexisNexis/XXXX reporting that untrue info I would have a descent rate. Is that normal to have over XXXX pages of info on just one person especially when most of it is false? I did call them today and they tried to say that they have me as " not at fault '' but why report anything about it? I believe they only said I'm not at fault because I called them and confronted them about it. XXXX XXXX was not the only insurer that told me this, XXXX told me as well. So I don't believe what they told me over the phone they are lying trying to protect themselves.
Product: Student loan

I received student loans initially in XXXX. After graduating I work for XXXX XXXX agencies and was under the impression that after a certain amount of time my loans could be XXXX. However, Navient continuously steered me towards some sort of forbearance. And I was fooled into thinking they were helping me. I applied for a discharge while receiving XXXX XXXX XXXXXXXX XXXX and was denied. I struggled for years financially due to my XXXX I feel that the tactics of Navient were calculated in order to keep individuals in debt.
Product: Debt collection

I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.
Product: Credit reporting or other personal consumer reports

I am writing to address the unfair reporting of late payments by Experian, Equifax, and Transunion. Below I have listed XXXX accounts that are reporting inaccurately and should reflect being paid as agreed. 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

Credit Collection Services has contacted me about a debt that I do not owe. I spoke with the company on the phone on XX/XX/2020. I have requested that Credit Collection Services remove this information from my credit report. The company has not provided any proof to validate the debt, and when I asked for information in writing -- I was told that it could not be provided and that I would have to rely on the representations made on their website. According to the Fair Debt Collection Practices Act, I have a right to request information in writing. Their refusal to provide information in writing has made it difficult to settle this information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 that are reported 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. 


XXXX XXXX, XXXX 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: Debt collection

The amounts the representatives states I owed {$4100.00} that was not the amount that was supposed to be left on the amount. She then tries to offer me a lower amount to {$2900.00} then to {$2500.00} pay. I was not OK with any of those amounts at the end because I knew that I had already paid on the account which she couldnt find and she then offered me another amount which she states was the lowest that she can go, I asked cause she emailed this information to me and she stated that she could not send over and emails then took my number texts me a portal link and said Ill get a email after she tried to make me do a promise to pay XX/XX/2025 XXXX
Product: Credit reporting 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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Debt collection

I learned of a collection debt from XXXX XXXX in Texas, on XX/XX/year> through a collection agency ( LVNV Funding LLC ). XXXX XXXX filed a collection claim against me, for an energy /utility debt in Texas XXXX a state I have never lived in. This is a case of identity theft, as my social security number and name were utilized to open this account. I have reported XXXX XXXX  and XXXX to the XXXX. I reported XXXX XXXX to the FTC because this involved stolen social security number. XXXX XXXX informed me they requested XXXX to stop the collection process, but as of today this has not been done. XXXX will send me an affidavit to dispute this within the collection agency. 

However, there are many red flags in dealing with XXXX XXXX, and I failed to include this additional information in my FTC complaint. My FTC complaint was general but I need to disclose information XXXX XXXX requested from me, that to me is very suspect-especially considering this transaction involved identity theft. XXXX XXXX representative, XXXX XXXX, informed his supervisor stated I needed to send in the following documents to dispute this charge ; police report ( which sounds reasonable ), a copy of my driver 's license, and a copy of my mortgage deed. The last two documents make me feel extremely uncomfortable. This is such sensitive information when already dealing with identity theft-it makes me question whether this energy company is committing fraud against me? 

I called several collection agencies to get their expert opinion on collection processes, and asked if it was a normal or typical practice to ask consumers for copies of drivers licenses and mortgage deeds. Not one collection agency has ever heard of this practice? 

The agency 's name : XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX AND ANOTHER ONE WITH THE ACCOUNT NAME : XXXX XXXXXXXX ; ACCOUNT NUMBER : XXXX OPENED : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries INQUIRY NAME : XXXX FORS INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX INQUIRY NAME : XXXX  XXXXXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX. XXXX INQUIRY NAME : XXXX INQUIRY DATE : XXXX XXXX, XXXX and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card

Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX
Product: Credit card

Macy 's is awful. Twice in having this card I 've had issues, because Macy 's communication is deliberately confusing or lacking. I have a Macy 's credit card ( # ending XXXX ). 

XX/XX/XXXX Purchase on card : {$8.00} ( a purchase that had a larger balance of {$30.00}, {$21.00} of which was paid with a gift card, with remainder {$8.00} put on the credit card ) XX/XX/XXXX Statement balance : {$8.00}, due by XX/XX/XXXX ( payment not made on time ) XX/XX/XXXX Statement balance : {$10.00}, due by XX/XX/XXXXXX/XX/XXXX Online payment made : {$10.00} ( WELL BEFORE due date of XX/XX/XXXX ), bank statement proves it. 
XX/XX/XXXX Statement : {$2.00}, due XX/XX/XXXX -- where did this come from? 

I called customer service ( no options to talk to a real representative ) and IVR System says the {$2.00} is interest charges .... How can this even be possible, when I 've already made payment in full of {$10.00} ( on XX/XX/XXXX ) after receiving XX/XX/XXXX statement? 

Until the XX/XX/XXXX statement, I was under the impression that I 've paid the Macy 's card in full. Had I not investigated this, and matched up payments and due dates, I would either have paid {$2.00} for no reason, or Macy 's would have charged me fees and interest on top of that, which is what they did last time with a similar ( though not exactly the same ) incident. 

There should not have been any balance. Yet, Macy 's puts an " interest '' fee of {$2.00} on a statement after something has been paid in full from their last statement. How can this be allowed? 

After calling the IVR system, Macy 's automatically removed the {$2.00} fee, without having to speak to a customer service agent. This tells me that this is an ongoing issue with Macy 's. 

I classify this as fraud, and a deceptive practice.
Product: Mortgage

I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 a 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: Payday loan, title loan, or personal loan

In XXXX I was served court papers in XXXX county mo on a loan. The loan was with speedy cash but the thing is I didnt take our a loan. They filed papers with the court on a loan I didnt apply for