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

XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.
Product: Payday loan, title loan, or personal loan

In XXXX i was approved for a loan to cover a purchase through shop pay affirm ... ..since XXXX i have complained that i cant access my loan documents or see the loan in the ap which has prevented me from making extra payments if i want to do so and also i cant access the paperwork for the loan terms etc ... .i have spoke to 6 or more different representative as well as emailed all since XXXX because i figured that id make some payments to cut down on interest and that's when i discovered the loan is not visible however the reminder to pay consistently is emailed to me..and im forced to call in..nothing i do seems to get them to ever fix this ... this month i even went as far as trying to reach out to the place i bought the merchandise from to ask them for assistance and affirm hasn't bothered contacting them either ... .today i received an email from a rep telling me that they see i complained about not being able to make payments when that isn't the issue the issue is that the loan isnt accesible or visible in order for me to access it so that i can make extra payments etc... so once again nothing has been done
Product: Debt collection

The issue was originally for my spouse but the company failed to see that we are 2 different individuals and merged it all into one big mess, so now it is my problem as well. Law Offices of Quinn M. Kofford, P.C., also violated multiple laws when it comes to Fair Debt collection act. " Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. When they do, they cant reveal the debt, and there are limits on repeated calls. '' I was threatened and humiliated while at work! I notified lady calling me that I was at work but she said she didn't care. I also notified her that my accounts are always up to date and she is mistaken, to which she said that unless I have a paper copy, they can collect even if it was paid. I told her that I am concerned about my XXXX  information breach to which she said : nobody cares about your XXXX  XXXX. I notified her that account did not belong to me and she refused to accept it. She proceeded with XXXX  and yelling. I notified her that if she continues to harass and threaten me, I will have to get an attorney to protect myself. She continued to yell at me and threatening me even though I told her repeatedly she needs to contact correct person on this matter. She then disclosed personal medical information to me that she did not have the right to possess as only necessary medical information can be disclosed for debt collection not whole medical history and it can only be shared with person it belongs to not with another person ( my spouse 's information was shared with me without his permission ). Yesterday we got served as company turned it over to court without notifying myself or my spouse that they are going to take that action. There was no time frame given or outline of the action. I got served at work and lawsuit has both names on it. Original company failed to produce the billing, only handwritten note was sent to our address with no explanation for the charges just dollar amounts. I was not notified that debt could be disputed. I repeatedly asked why she was talking to me and not my husband but never received an answer. If conversation was recorded, I was not made aware of it nor gave my permission. I have to deal with trying to restore my XXXX, fix our insurance ( since breach occurred ), work with XXXX offices on HIPPA  violation ( which means we would have to take time from work to resolve all the issues that were created for my husband and I ). Call was received on XX/XX/2020
Product: Debt collection

In XXXX I closed my XXXX XXXX Bank credit card account ( XXXX ) due to fraudulent transactions on the account that XXXX XXXX Bank notified me of themselves, I am now receiving a collections bill in my name for a different account number ( XXXX ) with XXXX XXXX Bank. I explained to the collection agency that it is not my account and provided proof the I closed my XXXX XXXX Account in XXXX, Midland Credit Management claims that they are collecting a debt in my name for charges in XXXX. I didn't use XXXX XXXX Bank after I closed my account in XXXX.
Product: Student loan

Ive been paying more than the minimum amount on my student loans, managed by NelNet. I noticed that I was paying more than what the total interest is, but my total interest each month was over $ XXXX and increasing. I called them and asked them to apply my full payment ( {$950.00} ) to eliminate the interest and then the rest go towards principal. They told me no. They had some sort of methodology that split a percentage of my payment to the principal and a percentage to the interest. While I dont mind paying down more principal than interest, I should be able to have my payment fully cover the interest and then go to principal. This makes it easier for me to understand how much interest XXXX accruing per month. 

Consumer ( XXXX )- XXXX XXXX XXXX XXXX Provider - Nelnet Date of Contact - XX/XX/year>
Product: Credit card or prepaid card

I am in the process of purchasing a home and made payment of {$5100.00} on XX/XX/XXXX to my Citibank Credit Card of over 10 years with a limit of {$8500.00}. On XX/XX/XXXX my credit limit was decreased to {$2400.00} and was reported to all credit bureaus as a limit decrease and as being over limit at 101 % utilization with no reporting of the large amount I paid. On XX/XX/XXXX I made an additional payment of {$1700.00} and paid the remaining balance of {$720.00} on XX/XX/XXXX. As of today neither of the additional payments have been reported to the credit bureaus further tarnishing my mortgage approval. I called Citibank on XX/XX/XXXX to come to find out if any limit increase or updating reporting was possible and the only solution was to register my complaint which may or may not result in a letter to my address. I've never missed a payment and have been loyal to Citibank and no one cared to help me in any way. I was negatively reported to all bureaus within 72 hours, yet positive reporting is not handled with the same sense of  urgency at all. It is completely unfair that Citibank doe not handle reporting measures equally and does not even care to assist. All I want is for my payments and {$0.00} balance to be reported with the same urgency of any derogatory reportings.
Product: Debt collection

XXXX XXXX  account open by someone using my name but living in a different state and different address. XXXX account numbers-one I opened in XXXX with no past due balance. Second account opened by someone else using my name not opened by me with past due balance of {$34000.00}. 

The past due balance was reported to TransUnion and is showing on credit report. I have been trying for over XXXX year to resolve the problem. I even got a statement from XXXX XXXX  showing the incorrect address. I get letters from XXXX XXXX at my address, but the account in the letter is not my account number
Product: Checking or savings account

Chase received my deposit of {$1500.00} for a settlement on a Monday. I was notified hours later that my deposit is pending and I should receive the funds the following business day. Later in the day, Chase emails me and tells me they are holding my check for 11 days due to the fact that they dont believe its going to be paid. I called them and instead of verifying the check, they continued to claim theres nothing they can do and they continued to hang up on me. Now its 11 days later. My check cleared and my balance reflects my check but my account is still restricted and there is nothing I can do to receive my funds because they are refusing to remove the restriction based on the fact that the check is going to return even though my attorneys bank says otherwise.
Product: Debt collection

Collection company report me to the credit bureau a medical account for {$1400.00}. 
The service was in the XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX send me the bill and I sent my XXXXXXXX XXXX 
The billed to the wrong place ( XXXX personal told me ) and that why it was not paid ( I did Not ). Same year they send it to collection company ( AR RESOURCES ) and I sent them the same information of my XXXX. Now they report me to the credit bureau because they couldnt collect the money from XXXX. 
I call AR RESOURCES to have the phone number of the provider, but they said that they do NOT have it. 
I call different number to contact the provider, but the present company have only information staring XXXX. They have NO information about billing before XX/XX/XXXX. 
I do NOT understand why after 5 years they want to collect the money. XXXX pay in a course of a year. 
I have no money and my credit is bad because they they billed to the wrong department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a Care credit card was open ( Synchrony Bank ) This was report to the police and copy was send to them but they had sold it a collection agency and i was able to get them to remove it BUT THEN XXXX XXXX got a hold of it in XXXX and i can not get them to remove this and they put a new open date as XXXX XXXX I have file 2 FTC Report, this one is the is the most resent # is XXXX And Still nothing Please help
Product: Debt collection

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information XXXX now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.
Product: Mortgage

Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.
Product: Credit card or prepaid card

My employment was affected by Covid 19. I informed Capital One and they have assistance but I was charged late fees and I was credited the fees except for one that is {$25.00}. I called in XXXX and was told it would be credited. I then called in XXXX and told the same thing. But when I called in XXXX I was told they would not credit the {$25.00} fee cause it was from XXXX. That's not what I was told therefore I it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely Equifax, XXXX, and XXXX, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Product: Student loan

I received a refund on payments I made during the forbearance, and am now being charged interest by Mohela. I called on XX/XX/XXXX23 after I received the refund and saw the interest, and a request was put in to have that interest removed, because according to that rep ( and all other info I can find from Mohela and the DOE ) that should not have been charged. This seemed to be happening to others as well. I was told to wait 5-7 business days for that to take effect, and checked on XX/XX/XXXX, called today XX/XX/XXXX when I saw that interest was still on there. I was then told that the interest accruing was from the refund, but this can't be accurate : 1 ) nothing has been due from me to Mohela, I was transferred to them when XXXX stopped servicing during the forbearance 2 ) I was up to date on all payments to XXXX, with no outstanding interest or principle at any point 3 ) all payments I made during the forbearance were interest-free, so all applied to principle, and no interest should have accrued from reversing those payments. After the rep today checked with a supervisor and again confirmed incorrectly that the interest accrual was because of the refund, she rudely asked me what I wanted to do about it, and I asked if there was someone else I could speak to, because that wasn't accurate, and I wasn't trying to tell her how to do her job, I didn't know how to fix it, but it needed to be fixed, and she put me on hold without checking in for the connection as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my daughter and I won a judgement against XXXX XXXX XXXX in small claims court. We went weeks in the winter of XXXX - XXXX with no heat. We notified them that we were breaking the lease and filed a suit against them. 
As you can see from the attached summary judgement, we won the case and they had to pay us. 
After this, XXXX XXXX XXXX has come after us for the remainder of the lease amount, but that is fraudulent. We won our case against them, so we owe them nothing. I contacted the credit bureaus about this and showed them proof, ( the judgement ) but Experian will not remove it.
Product: Debt collection

I received a collection letter from Convergent Outsourcing Inc. stating a debt to XXXX XXXX, XXXX in the amount of {$2900.00}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or XXXX XXXX, XXXX. Convergent insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified.

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/2024, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting. 

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate. 

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. 


Account Name : [ XXXX ] Account Number : [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died from XXXX on XXXX XXXX. 
On XX/XX/2021, Equifax automatically renewed my Complete Family Plan and charged my XXXX card {$290.00} for an annual subscription. 
Due to my husbands death I no longer needed a family plan. I contacted Equifax and was told that I could not switch plans. I had to cancel the plan and subscribe to a different plan. 
On XX/XX/2021 I canceled the Family Plan and received an email stating my cancellation had been received, it would be effective XX/XX/2021 and You will receive a refund for any fully unused months in your annual subscription. 
On XX/XX/2021, I received an email stating the Family Plan was canceled. 
On XX/XX/2021, I contacted Equifax to follow up on the refund. The first person I talked with said there were no refunds given for annual subscriptions. I argued with her and was transferred to another person who said I did not request a refund in time but he would send my case for review. I told him that was not satisfactory and I wanted to speak to some one higher. I was told to call back the next day. 
On XX/XX/2021, I spoke with someone who said I am entitled to a refund but due to a system glitch it had not been processed and that I should see a credit on my XXXX within two days. She gave me a case number XXXX and said I should call back if I did not see a refund in two days. 
On XX/XX/2021, I called Equifax because I had not received a credit. I was told it would take 7 to 10 business days from XX/XX/2021 for the credit to appear. 
On XX/XX/2021, I followed up with Equifax because I had not received the promised refund. First, the representative told me there were no refunds for annual subscriptions, then he looked up the case number and said the question of my refund was under advisement and no decision had been made. I insisted on speaking to a supervisor and was put on hold for almost an hour. Finally, a person who told me her name was XXXX and that she was a supervisor got on the phone. She stated that I am entitled to a refund but that none of the previous representatives had requested a refund. She the stated that she was putting through a PRIORITY CLAIM for my refund and that I should see the refund in 7 to 10 days. She gave me a new claim number - XXXX. She promised to send me a confirming email and gave me her email address. I did not receive the confirming email and when I attempted to email her, the email was returned due to an invalid address. It has been 13 days since I talked with XXXX and I have not received my refund. 
I do not think I can make any progress by continuing to contact Equifax