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

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r 1XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXXXXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with XXXX and XXXX XXXX and they removed this SPECIALIZED LOAN SERVICI info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name SPECIALIZED LOAN SERVICI Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH 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 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 those account 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  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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which in volved me making deposits for a total amount of {$3000.00} from my Navy Federal Credit Union account to fraudulent investment firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my report.
Product: Debt collection

I discovered a collection report from National Credit System regarding a debt from The Encore Apartments for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or The Encore Apartments. I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, 20 days of that rent were still remaining unused. Despite my attempts to resolve this matter with The Encore Apartments, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting The Encore Apartments and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.
Product: Debt collection

I checked my credit report and this company is trying to collect a dept that i have no knowledge of i have never signed a contract with this company nor its affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXX XX/XX/XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX. {$36000.00} XX/XX/XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.
Product: Credit reporting or other personal consumer reports

I'm still having problem with my credit report on information reported inaccurately. Please see attached file below
Product: Debt collection

I have received repeated calls and messages from Amsher Collection Services claiming that I have a delinquent Charter Communication bill. I have never lived at the address where they claim the service was installed nor have I ever had Charter Communication. I believe this is fraud and not my account. The collection company is demanding that I complete fraud documentation on their website I have, and they still continue to harass me about a bill I am not aware of nor requested service from Charter Communications. Again, they will not provide a signed contract, Social Security verification, or proof of the account. 

Please help me to get this company to leave me alone
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CAPITAL ONE BANK USA NA asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file
Product: Checking or savings account

I have a " Virtual Wallet '' account with PNC that I've had for nearly a decade without incident. When reviewing my account this ( XX/XX/XXXX ), I notice a {$15.00} fee from PNC in XX/XX/XXXX and XX/XX/XXXX and call to see what it's all about. 

The customer service representative tells me I must not be meeting the requirements of the account ( for the first time in 7+ years mind you ). I tell them that I'll need to look into that, but it seems off to me since this has never happened before and that I wasn't notified to any changes to my account that would suddenly make me ineligible. I request a refund for the fees since I'm a long time, loyal customer and wasn't proactively notified that I was ineligible and would be facing charges. The customer rep tell me only one fee can be waived. I insistent that both be waived or that I speak with a supervisor to discuss the eligibility requirements further.

When I finally speak with a supervisor they discover that I DO in fact meet the requirements. So essentially, PNC was going to steal {$15.00} a month from my account because " I didn't meet account requirements '' that I DID in fact meet. And I had to proactively suss all of this by going through a 1 hr phone call and demanding to speak to a senior representative. How many others are being ripped off by this scam right now? PNC needs to make sure they are proactively communicating if customers aren't meeting standards and not just sneakily issuing fees that can get buried. Shame on them!
Product: Debt collection

Today, XXXX XXXX, XXXX, I received a call from Asset Recovery Associates XXXX XXXX XXXX stating that a credit card from XXXX XXXX with the last numbers XXXX has a past amount due - at the time, XXXX XXXX, XXXX, was {$4900.00}. They said they sent letters - which I did n't receive- and called me and left messages, which I did n't receive. Then they gave me a case number : XXXX, a phone number XXXX XXXX XXXX XXXX ext XXXX, XXXX XXXX. she told me my social security number, which credit cards I have/use, my address, my old address, my name prior to divorce, and the names of credit report organizations to call or write to about my credit. They they gave me XXXX options to pay off the debt : XXXX XXXX pay full balance or XXXX ) settle out of court with my bank. They said I could make a down payment with my XXXX XXXX credit card ( which I did XXXX for {$500.00}. and that I would receive paperwork tomorrow in overnight delivery and then go to my bank and make payment arrangement with XXXX XXXX. This balance was less because they gave me an out of court settlement {$3800.00} with {$500.00} less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Equifax on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with XXXX XXXX and Equifax, I sent letters to the agencies who placed inquiries on my report, no response, I asked XXXX XXXX and Equifax to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
XXXX XXXX : Equifax was authorized but only once, they have it listed twice onXX/XX/XXXXand XX/XX/XXXXXXXX XXXX was authorized once but listed twice on XX/XX/XXXXandXX/XX/XXXX.
XXXX was not authorized at all onXX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXXor XX/XX/XXXX XXXX was not authorized at all onXX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized onXX/XX/XXXXEquifax XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXXXXXX XXXX XXXX XXXX never authorized XX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX) XXXX XXXX not authorized onXX/XX/XXXX ( only authorized once onXX/XX/XXXX )
Product: Vehicle loan or lease

Facing financial hardship company is harassing me with calls and late fees according to law. I'm also sending my complaints to attorney general. From XX/XX/2022 until XX/XX/2022 I've been receiving harassing calls everyday from different numbers. According to 15 USC 1692d ( 1 ) Harrassment or Abuse. It does not matter if you owe an alleged debt that car is now my personal property! Company Ally Bank XXXX ( XXXX ) XXXX account # XXXX car vin : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report that should not be on there are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my XXXX XXXX. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my XXXX XXXX below where it suppose to be.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted Experian and submitted the proper documentation ( drivers license, social security card, FTC report with my accurate name ) required to have the accounts removed that are not in my name. The accounts and inaccurate name ( XXXX XXXX, XXXX XXXX ) were removed and reinserted without proper investigation or without proper notice. The FCRA states that in order for reinsertion to occur, the client must be notified within 5 business days.. I was never given such notification I have reached out to Experian numerous time to inform them that they are reporting several accounts that are not in my name and inaccurate, that have been reinserted without the proper due diligence and either it is impossible to get through to the bureau due to an automated system that doesnt allow for the consumer to speak with a live person or if by some miracle, I am able to get through, Experian refuses to remove the items and as a consolation, they file another dispute and it comes back as verified as mine, despite the account not being in my name. This issue has caused me and my family great hardship and I have been unable to qualify for jobs, receive car loans, receive credit cards or loans. If f I am approved for anything, the high interest rates takes the payment out of my reach. I demand that Experian follows FRCA laws and removes these inaccurate accounts that have been reinserted without proper notification or compliance immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree with the company furnishing negative information to Experian. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. Experian nor any other consumer reporting agency has my written permission to furnish any information without my written permission.
Product: Debt collection

Calls from Portfolio Recovery will not pick up if you answer. Return calls don't connect. Numbers from all over the united states call daily. Sent a written request to cease phone calls to no avail. Responded by text message to no avail.
Product: Credit card or prepaid card

I was recently on vacation in XXXX XXXX XXXX, XXXX. On the last day of the trip on the way to the airport, I stopped to refuel my rental car. Upon completion of refueling the car, I handed the gas station attendant my credit card to pay for the gas. At this moment, a co-worker called him over to the other side of the pump for assistance. He walked over to the other side of the gas pump, and I believe this is when the fraudulent transaction was made. He returned to the side of the pump to process the gas transaction. Upon returning home, I checked my credit card issued by Capital One and discovered a transaction had been made by a merchant based in XXXX XXXX ( I was never in XXXX XXXX ) for the amount of $ XXXX by XXXX using the payment processor XXXX I immediately contacted Capital One to dispute this charge. Capital One rejected the dispute saying they believed I had benefitted from this transaction as it was a chip read transaction and supposedly very secure. I have since made numerous inquiries to the fraud and dispute departments at Capital One. Further information became available about the transaction. It occurred on XX/XX/XXXX at XXXX for {$410.00} for dining/fast food, while the legitimate charge for the gas occurred at XXXX for {$36.00}. How likely would it have been that I purchased over {$400.00} worth of fast food from a merchant in XXXX XXXX while I was on my way to the airport in XXXX XXXX XXXX? Capital One questioned why I continued to use the card after this transaction to which my response was I was not aware of the fraudulent transaction until the day after I got home. Furthermore the credit card was out of my possession for a brief minute at the gast station where the fraud occurred. The payment processor has also launched an investigation. See attached letter from XXXX and the letter that I explained this to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX resolved inaccurate information with Public Records section of my Transunion LLC and XXXX Credit Files. These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source XXXX XXXX. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.
Product: Vehicle loan or lease

We feel that we were given misleading information about the balance owed on a new XXXX XXXX. We voluntarily gave the car back to XXXX. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. XXXX is reporting that we have a balance of {$3400.00}
Product: Debt collection

I believe my credit entries where not properly investigated as required under the FCRA which mandates an investigation. CFPB recently found XXXX XXXX neglect.
Product: Checking or savings account

I responded to a Wells Fargo {$2500.00} offer, and I upgraded to a Premier Checking and finished all requirements. However, the bonus never got paid. 

XXXX ) On XX/XX/year> Upgraded an existing Wells Fargo checking account to a Wells Fargo Premier Checking account ( ending XXXX ) at a Wells Fargo branch. 
XXXX ) On XX/XX/year> Brought more {$250000.00} to Wells Fargo Bank XXXX ) Maintained the balance until XX/XX/year>, which has been well beyond the 90 days after upgrading to premier checking. 

I contacted the bank and went into the branch that I opened the account but nothing got paid so far.
Product: Debt collection

Please be aware we have and can provide a copy of an audio recording of today 's call in which multiple representatives from XXXX XXXX XXXX repeatedly refused to send my husband a letter describing why they started calling his cell phone on Saturday. Excerpts of that audio recording are attached with this complaint. We have stellar credit and in recently purchasing a home reviewed all our credit reports. So it would be surprising if the calls involve collection of any legitimate debt and regardless, the tactics used in refusing to send anything in writing were outrageous. In both calls, including the one that we recorded this morning, the company 's representatives repeatedly asked for my husband to disclose sensitive personal information to them over the phone -- including his date of birth and even his Social Security number -- before they would agree to tell him why they are calling. The call was on speaker phone so we could record it. When my husband challenged the supervisor for asking him to provide his Social Security number in an age when identify theft is rampant, she demurred that she was just providing him options. When we both asked the company to send information in writing, because we 're not comfortable giving out personal information over the phone, they eventually claimed the company sent a letter on XXXX XXXX. We said we did n't receive any letter and asked them to resend it. They refused saying they ca n't send us anything XXXX even to whatever address they have on file and that they would have used to allegedly send the first letter XXXX without my husband first providing sensitive personal information to them by phone. Multiple representatives, including but not limited to a supervisor who said her name was XXXX XXXX, another employee who said her name was XXXX, and another supervisor who gave his name as XXXX, did this repeatedly on the call that we recorded. The recording shows that multiple XXXX XXXX XXXX employees flat-out refuse to send anything about their collection purpose in writing. If CFPB is interested in taking regulatory action against this company, we can provide the much longer recording. In addition, the company indicated that it also was recording the call for verification and training purposes. So CFPB can also seek a copy of the company 's recording to further verify our complaint about their tactics.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian a XXXX XXXX XXXX  account # XXXX on my report well over XXXX times online. Every time I dispute this account it comes back as I have disputed it before so they will not let me dispute it again. This account is STILL missing all the historical balance data. They have " fixed '' the payment history to match the payment history guide. The problem here is it now shows payment history for XXXX of 2019 but this account was sold to a collector on XXXX.
Product: Checking or savings account

I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.