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

I have been going through a very complex child custody battle since XX/XX/20. Opposing party and I were NEVER married, never lived together, resided in two different states. Never shared or conjoined any bank accounts, NOTHING. I raised my daughter for 10 yrs.and I never received ANYTHING FROM OPPOSING PARTY. 
His attorney issued a subpoena to my Discover Credit Cards Co. demanding they produce all my personal and private information ( attached ). Discover is claiming they will comply with request if I dont produce a court order saying otherwise. However, the subpoena is NOT court ordered, it is NOT signed by a judge, merely a request. I reached out to Discover and made it very clear that I DO AUTHORIZE THE RELEASE OF ANY OF MY PERSONAL AND PRIVATE INFORMATION.
Product: Mortgage

The bank that I file this complaint about is Fifth Third Bank. They keep sending bills stating that the mortgage payments are being made late, but that's false. The mortgage - account XXXX- has been paid timely. The Mortgage Loan Statements that the bank sent the last 3 months keep showing charges of late fees. I've called the bank, and initially they kept saying that they will look into it, because I provided information of timely payments. When I called again today, because I received another statement, the voice recording stated that there isn't any customer service by phone, and that I shall text them instead. Their own Mortgage Loan Statements states the following on the back : " Give Us a Call : Customer Service Professionals are here for you Monday through Friday, XXXX XXXX. to XXXX XXXX ET .... '' I have reason to believe that : XXXX. Fifth Third Bank has no interest to look into this issue, and wants to keep unfairly and fraudolently charge late fees for prompt payments ; and XXXX. When a customer insists in clarifying the issue to put a stop to the fraud, the bank blacklists that customer to stop any communications with them, and doesn't even allow them to access the basis modes of communications ( by phone ) with the bank. 

At last, another fraudulent practice of this bank is that, they cash payment, but they don't count as a payment if the payment is not exactly what the bill is. That's not a fair ; if a costumer makes a payment for a debt, the payment is credited toward the payment of that debt. No bank should keep a customer 's money earmarked as a debt payment, and not count it as a debt payment. 

Again, the mortgage loan account XXXX is being paid correctly every month, and the bank should stop their fraudulent practice of charging late fees for prompt payment, of not applying payments cashed as payments to the loan mortgage, and of creating undue hardship for the customer to reach out to the bank.
Product: Credit reporting or other personal consumer reports

Here I am again, disputing the same inaccurate reporting on my credit file. At this point, I have lost count of how many times I have submitted disputes regarding this issue, yet the inaccuracy remains unresolved. A XXXX XXXX  XXXX account continues to be reported as " CURRENT, WAS PAST DUE 30 DAYS '' by Experian, while both XXXX and XXXX correctly list it as " PAID OR PAYING AS AGREED. '' This discrepancy is unacceptable and raises serious concerns about compliance with federal law. Even within Experians own records, the payment history section shows " OK '' for every single month. If there are no documented late payments, there is no justification for reporting the account as previously delinquent. This is not just an errorit is a clear violation of consumer rights. Under the FCRA, consumer reporting agencies are legally required to ensure the maximum possible accuracy of the information they provide. 15 USC 1681e ( b ) mandates that reports be accurate, and 15 USC 1681i ( a ) requires agencies to conduct a reasonable reinvestigation when a consumer disputes an item. Despite multiple disputes and supporting evidence proving that this payment status is incorrect, the inaccurate reporting has not been corrected. This ongoing failure to ensure accuracy and fairness in credit reporting is a blatant violation of these legal obligations. The refusal to correct this error has already caused harm by misrepresenting creditworthiness, creating unnecessary financial obstacles, and leading to undue stress. Under 15 USC 1681n and 1681o, consumer reporting agencies may be held liable for willful or negligent noncompliance, including statutory damages of up to {$1000.00} per violation and additional compensation for actual and punitive damages. Consumers should not have to repeatedly dispute the same issue due to negligence in maintaining accurate records.
Product: Debt collection

I have not in any way attempted to apply for an apartment in XXXX Texas. Ever! This is fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers, I've also faxed these Documents to the Federal Trade Commission for review as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed documents to Experian showing the incorrectness on my credit report asking for Verifiable proof but Experian took longer than the 30 days to respond. To this day, I have yet to hear a response from the letter sent on XX/XX/2021. XX/XX/2021 I sent 30 day no response letter showing Experian signed for documents on XX/XX/2021 but have yet to remove the incorrectness on my credit report.
Product: Debt collection

I purchased a vehicle from XXXX XXXX XX/XX/XXXX. I was told that my finance company was XXXX. Which is also the name on my contract. When I attempted to make a payment to XXXX I was informed that they were not the ones holding the account. I then went back to XXXX and they told us that they had changed the finance company and they were not required to let us know. I asked if they wanted the truck back and they said no but to sell it if I wanted to. Wells Fargo reached out to us through mail to let us know that they were the lien holder. I did not feel comfortable sending money to a company that just appeared saying that I owed them with all the fraud going on in the world. I attempted to send them a bill of exchange to satisfy the alleged debt it was returned to me. Wells Fargo then continued calling saying that they did not receive anything and so I sent it again. I received a letter on yesterday XX/XX/XXXX stating that they are the lien holder after investigating and that they do not accept negotiable instruments. I sent in a Notice of Dispute requesting the verification and validation of the debt. I've been threatened with repossession and harassed with calls from XXXX and Wells Fargo after I've asked to be contacted by mail only. They have violated the telephone consumer protection act 47 USC 227. Such conduct from Wells Fargo and XXXX has caused me to suffer sever humiliation and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( C ) of the Fair Debt Collection Practices Act by harassing me regarding this debt. Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and XXXX, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation and particularly describing the place to be searched and the persons or things to be seized and my fourth amendment right has been violated so be it. I also made a down payment by trading in my truck. The Finance charge does not include cash however, my trade in was taken for cash value. The finance charge is also supposed to include insurance however I had to purchase my own insurance. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. I got this truck because I needed something to dependable to get me back and forth to work to provide for my family and myself. I do not believe that I was informed of all the extra fees and my ability to rescind.
Product: Credit card

I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, Equifax and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, Equifax and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in XXXX, XXXX, and Equifax. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported to the credit reporting agencies that I currently have XXXX loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only XXXX loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

Hello, I hope youre having a great day because I am not. Ive recently come across some incorrect information on my credit report, and its become a major source of worry. The inaccuracies are jeopardizing my ability to gain financial freedom, and XXXX finding it difficult to make any progress toward my goals. These errors have led to multiple credit applications being denied, and its causing me significant stress and XXXX. 

Its incredibly frustrating to have my plans derailed because of these inaccuracies. The importance of a correct and accurate credit report can not be overstated, as it directly impacts the opportunities I have to secure loans, open credit accounts, and move forward financially. The situation has left me feeling helpless at times, and its crucial to find a resolution so that I can get back on track and work toward a more secure financial future.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian, Equifax, and TransUnion to inform them that there is inaccurate credit report information to accounts that state accounts charged off for a certain amount Under the Fair Credit Reporting Act, neither the bureaus nor the individual companies fix these errors and removed them of my credit report. The three accounts in question that have the " written-off '' and " charged-off '' issues are as follows : XXXX. XXXX XXXX {$530.00} written off {$530.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 
XXXX. XXXX XXXX {$2500.00} written off {$2500.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 

In addition, none of the credit bureaus have removed any old information from my credit reports, like old names, addresses, and personal information, plus closed accounts, which are causing damage to my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I was scheduling payment on my Visa credit card account with JPMorgan Chase Bank , N.A . I have no issue with the charge activities listed on the account. Next to the charges was a hyperlink, stating " Pay over time. '' I clicked on this link to explore options. I next saw a payment plan program with 6, 12, and 18 month payment options. I clicked on the 18 month plan to further explore. I did not know I was being locked into their 18-month payment plan just by clicking on that information box. I tried to cancel while online, but could not find any way to do this, so I called customer service by phone. I was told by their representative " my plan is non-cancellable ''. I did not think this was right, and asked to speak with a supervisor. After a long waiting period, a person identifying herself as XXXX came on the line. I explained that I had somehow inadvertently been locked into a " My Chase Plan '', that I was only reading the online account information, and did not intentionally sign up for any payment plan. I told her I did not want this plan, and told her the previous representative told me the plan was non-cancellable. She told me the same thing, and hung up on me.
Product: Debt collection

In XXXX, I moved out of my apartment at XXXX XXXX in XXXX XXXX ( managed by XXXX ). I was asked to pay cleaning costs from move out. {$500.00} was paid via XXXX, and the balance I was told was to be paid to the apartment mgmt company XXXX. XXXX approved my {$500.00} claim. The balance of {$270.00} was to be paid via cashiers check within 30 days. I dropped off my cashiers check in person at the apartments management office within 30 days. Months later, in approximately XX/XX/XXXX, I received a letter from National Credit Systems indicating I was sent to collections for this amount. 

I shared proof of payment to both the apartment complex/ XXXX in XXXX of XXXX. Specifically, the {$270.00} was withdrawn from my bank and the XXXX XXXX XXXX personnel had signed my cashiers check receipt dated XXXX XXXX. 

Then, this week, the debt shows up on my credit report and my credit score dropped significantly from this as an unpaid collections item. So, this week, I went ahead and ALSO paid the collector, as well, in the meantime while seeking to resolve the issue. I paid via phone with my debit card. 

Each party is telling me to work with the other to resolve. The collector stated on a phone call ( which they state they recorded ) that XXXX XXXX did send this balance to them for collection. XXXX claims they do not know why or how it was sent to collections. XXXX ( XXXX XXXX XXXX refuses to acknowledge whether or not they have cashed my cashiers check from XXXX of XXXX. They also refuse to discuss on the phone. XXXX email is available below from XXXX. Also is the apartment website and the XXXX website. I have spoken with XXXX at National Credit Systems whose extension is # XXXX. Emails and other relevant photographic information is attached to this complaint. 

https : XXXX XXXX https : XXXX
Product: Credit reporting

I recently pulled a copy of my credit report and noticed that there were several unauthorized HARD inquiries that are damaging my credit score along with incorrect personal information. I reached out to the Bureaus via mail first. I sent them a letter stating that there is information being reported on my report that is false/inaccurate and that it needs to be removed immediately. I attached a copy of driver 's license and social security card to further prove my identity. After waiting several weeks, I received a vague response in the mail stating that they were not going to remove it. I then contacted the CB and had to deal with two reps before I had it escalated to a manager. From there, I explained to the supervisor that there were multiple discrepancies on my report on the personal information side as well as the hard inquiries. I had advised her that I have an XXXX Alert that is set in place so I was confused as to how and why this happened. She advised me that she would remove everything that we found to be wrong ( which was everything that I had wrote in the letter ) and that I should receive a letter in the mail with confirmation for everything we removed on that day. I have yet to receive that notice of deletion in the mail and seen where the CB has reinserted names I 've never been known by, as well as addresses, phone numbers and former employers in which I have never worked for.
Product: Money transfer, virtual currency, or money service

This email was sent XX/XX/XXXX.. 
Good Day, I am EXTREMELY upset with the way my issue is being handled, as a customer it makes NO SENSE to be violated by a thief as well as Western Union.!!! 
I purchased XXXX money orders totalling {$600.00} that were stolen. I immediately called to have them flagged or canceled. 
I was told I have to pay a NON REFUNDABLE fee of {$60.00} to have a trace put on them which may take up to 120 days. 
I am in NO WAY fortunate enough to be able to afford this amount let alone WAIT 120 days for a resolution, this was part of my rent money. 
It seems as though your policy benefits the crooks and not your customers. It provides the crooks with enough time to cash & spend MY HARD EARN MONEY..!!! It should not cost me MORE money that I dont have to track down these money orders or who spent them and where.!!! 
I am looking forward to speaking with someone in your Corporate Office in search of a better solution to avoid involving attorney 's & reaching out to the XXXX as well as the media. THIS IS EXTREMELY UNFAIR Money Order Info : XXXX XXXX On XX/XX/XXXX I submitted the the Money Order Research Request form. On XX/XX/XXXX the stolen money orders were cashed. On XX/XX/XXXX I recieved in the mail a photo copy of a cashed money order for {$100.00}, however I paid to have the {$500.00} money order traced ... Customer Service is outsourced to the XXXX and even they are very rude & unhelpful
Product: Mortgage

In XXXX we were switched to Freedom Mortgage. We were in the middle of refinancing with our other company, but regardless Freedom acted clueless about what was going on. Once they realized we were refinancing we were instructed to make our trial payments and the paperwork for our final monthly payment would be finished up by their lawyers. So we made those payments and have waited and waited for our paperwork to disclose the new payments. Every week we call and no one can give an answer, their service people have taken all our payment info and then when they get to the final step it says they can't take a payment on this account due to refi. I even received a paper bill that no one can put a payment through for. Well, now it's XX/XX/XXXX and they still haven't done their job. We've been reported to the credit bureau as being 3 months past due on our mortgage, we are getting phone calls from the recovery dept asking when we are going to pay. It is incredibly infuriating. After months of absolute anarchy on their end, we FINALLY got their " supervisor '' XXXX to give us a call. He called at XXXX on a Monday night, incredibly inconsiderate and unprofessional. He put us on hold multiple times, once for almost ten minutes. Finally he claimed he could process our payments and when we were getting our checkbook he HUNG UP and when we called back " he had left for the day. '' Freedom has been giving us the run around while destroying our credit score for 6 long months.
Product: Vehicle loan or lease

The vehicle was returned to the dealership on XX/XX/2020. The dealership had it in their possession from that date on but didn't process the lease return. It will be reflected in their records that I chacked it in on XX/XX/XXXX. After having the vehicle for over 4 months the dealership orchestrated a repossession and billed me for over {$6000.00} as if the vehicle was not returned.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Product: Debt collection

the bank made an error with my statements & they've agreed to remove it ... for this account, XXXX XXXX XXXX Date opened : XX/XX/2018 Balance : {$690.00}. Please remove the late dates and update the status to Open/Paying as aggreed.