23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/24. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT TRJETS IN THE CAPITAL ONE BANK INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.
Product: Debt collection

I looked up my credit report on XX/XX/XXXX to find I had a collection outstanding from SEQUIUM ASSET SOLUTIONS / XXXX   XXXX  that was causing negative score ( it dropped from XXXX to XXXX because of this ). I checked my mail to find I had received letter from Sequium dated XX/XX/XXXX with an account number and a demand to pay {$120.00} ( letter attached ).

I submitted an inquiry/ dispute to Sequium via the website on XX/XX/XXXX to stop the collection process and requested information on the debt. I also mailed a written notice of dispute dated XX/XX/XXXX to supplement my electronic submission. Then I called XXXX  on XX/XX/XXXX ( who acquired XXXX ) to  find out details, since I had never received a bill from them. They do not have a record of the account nor have an outstanding balance owed. I called Sequium on XX/XX/XXXX, since I had not received a response to my written note. Sequium told me this verbally : XXXX sent them notice on XX/XX/XXXX that I had not paid a " final bill '' of {$120.00}, that the acct went into " collection '' status on XX/XX/XXXX with another collection company, then was transferred to Sequium on XX/XX/XXXX. I requested Sequium to provide me the information in writing so I could take this up with XXXX/XXXX but Sequium refused. 
So I called XXXX/ XXXX again on XX/XX/XXXX. XXXX filed a 'collection dispute ' on my behalf on XX/XX/XXXX to record that I have no open account with XXXX/XXXX  and no balance owed to support this dispute. 
Furthermore, I understand from the letter I was sent by Sequium that I have a 30 day validation period from XX/XX/XXXX before this collection gets reported on my credit report. Those rights were CLEARLY VIOLATED as mentioned above, I found about this situation because it showed up on my credit report as of XX/XX/XXXX, apparently reported in March/ XXXX timeframe before the date of the mailed letter.
Product: Debt collection

On XX/XX/2018 this company was on my credit report .i reached out I never received a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help, CFPB. 

TransUnion is committing violations to the Fair Credit Reporting Act. 
- Unfair business practices - Failing to investigate item - Reporting incorrect information Please send the attached documents to TransUnion. 

Thank you.
Product: Debt collection

Ive tried contacting lvnv funding several times to settle debt Ive called their XXXX number as well as sent in two different emails to their resurgent website online and never received a phone call or voicemail. They took the case to small claims court unbeknownst to me and garnished wages without proper notification.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have contacted XXXX XXXX regarding an account. According to XXXX, they have no knowledge of this account, nor do they recognize the amount associated with it. 

I have been a XXXX customer for two years, and I have consistently made my payments on time. All my accounts with XXXX are current. The reason for this report is that the erroneous information is negatively impacting my credit, and I would like to request that this issue be resolved as soon as possible. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX trasnunion ( High Balance {$2400.00} ) ( Unpaid Balance {$0.00} ) XXXX XXXX XXXX XXXX  ( High Balance {$2400.00} ) Unpaid Balance {$0.00} )
Product: Debt collection

XXXX XXXX  keep calling me after I repeatedly told them that this is dealing with a car accident that I was in. The police was in a high speed chase and caused someone to hit me. I gave them my attorney number 2x 's. They are still trying to collect on a debt that wasn't settle because my case hasn't been settled. My attorney explained that if they really called his office.
Product: Consumer Loan

If I need to file bankruptcy, Advance Financial is the cause. 
I 'd been with Advance Financial for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to Advance Financial and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off Advance Financial and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and break my legs as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
Product: Debt collection

I received a notice that a fraudulent account that was previously removed from my credit report was sold to a collections agency. I have been dealing with identity theft for the past 2 years. I was told that I can not have the item removed because the collections agency requested that the fraudulent item be reinserted. I have provided FTC and police reports as well as requesting the written documentation which I have not been provided with. I wish to file a formal complaint with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor XXXX XXXX XXXX, I paid this credit card off and the creditor said they would remove and delete this account off my credit report but never did. Also the they have put the same account on my credit report twice because the first credit card I had was lost and they issued me a new card with a different credit card number.This is very wrong what they have done to me.
Product: Checking or savings account

I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.
Product: Debt collection

Im XXXX, I purchased a VW vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted VW several times and no response they said that I owed money even though I receive letters from Vw credit and my insurance XXXX specifying it was paid off, they sold the so called debt to XXXX XXXX XXXX all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from Equifax and XXXX  regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet Equifax and XXXX  continues to state the account and address is verified without yet providing me proof upon my request.
Product: Money transfer, virtual currency, or money service

PayPal Customer Service Agents are repeatedly providing misinformation and providing false information in regards to policies. For over a decade we have used PayPal with absolutely no issues. We started with a personal account and when we established a non-profit organization we opted to start a new business account for it. There has never been a dispute, refund or any other negative activity on the account. However, PayPal has started to place funds on hold. When reaching out to customer service to resolve this we have been given misinformation by no fewer than 4 of their customer service agents. Some have blatantly lied and only backtracked on the lie when pressed to provide proof of the policies they were referring to. On more than one occasion we have provided the requested information only to be met with rejections and requests for information that has absolutely no reference to our organization. For example, they keep asking for vendor information when we do not sell or provide any physical products. At this point my thoughts are that PayPal has decided that they will use customer funds to provide themselves with short term interest free loans. There have been at least 3 support tickets to address this single issue. We have spoken to a " supervisor '' who agreed that the support tickets have been severely mishandled and apologized however nothing is done to resolve the issue. On the last call we were on with an agent for over an hour. There was a request for our vendor information and other information that would pertain to a business selling physical products. During this call it was repeated several times that we have no physical products. We are a non profit organization that provides consulting and services. However we just received another request for this information that in no way applies to us. We are a XXXX organization that is in good standing. In contrast, our organization uses other payment processors and have had absolutely NO issues whatsoever.
Product: Checking or savings account

My Name is XXXX XXXX XXXX. 

I got this case information on XX/XX/2019. 
Someone opened checking account with under my S/S/N. 
This is second case with someone opened checking account with my S/S/S. 
I already reports to here first case on XX/XX/2019. ( # XXXX ) I do not understand these situation, how do they, bank, allow to open with different Name. He, who opened checking account, opened checking account with his ID and my S/S/N. The name is similar but same. how come banker who helped to open bank checking account, did not check all information carefully. 

I do not know exact amount and happened because they do not give me whole story. 

He took about {$80000.00} from bank and bounced checks. It happened early of XX/XX/2019. 

M & T Bank, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX I am attaching another case ( # XXXX-XXXX ) with XXXX XXXX case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Shellpoint Mortgage Svc : Please be advised that all debt associated any account which you are servicing was discharged in my Massachusetts Chapter XXXX bankruptcy filed on XX/XX/XXXX. I received my discharge on XX/XX/XXXX. A copy of the discharge is attached. The debt you continue to seek to collect was not reaffirmed. 
In fact, the debt you are attempting to collect was the result of a mortgage on property located in XXXX, Massachusetts, being, XXXX XXXX XXXX XXXX XXXX. It is not in reference to the property known as XXXX  XXXX XXXX XXXX XXXX which you continue to refer to. Please check your legal description. The property known as XXXX  XXXX XXXX XXXX XXXX was foreclosed in XXXX by the condominium association as a senior lien holder. A portion of your lien was paid and the balance was discharged in bankruptcy. YOU DO NOT HAVE A MORTGAGE ON ANY PROPERTY WITH RESPECT TO THIS DEBT. IT IS ENTIRELY UNSECURED AND I DO NOT HAVE ANY PERSONAL LIABILITY ON THE DEFICIENCY ON THIS NOTE. 
On XX/XX/XXXX you reported an account with a balance owing of {$350000.00} and as current payment status 120-149 days late and worst payment status as 120- 149 days late. This information is inaccurate as the debt has been discharged in my XXXX Chapter XXXX bankruptcy and I have no further liability. You report this account as opened on XX/XX/XXXX. To date Shellpoint continues to report this account as delinguent 120 days, 7 missed pmts, etc. and continue to increase the amount of liability, i.e. currently {$360000.00}. This reporting violates my rights pursuant to my discharge and has resulted in financial damages. As a result, I AGAIN hereby demand that you remove this account IMMEDIATELY AS WELL AS ALL these remarks and other derogatory ratings from all reports to all three credit bureaus immediately. 
Your continued reporting is a violation of my discharge granted pursuant to the bankruptcy laws. I have made numerous calls to your company in an effort to settle this amiably but all to no avail. Your reporting is affecting my credit reports and I am suffering monetary damages as a result. If I do not immediately receive confirmation that this has been corrected, I will pursue your company for damages and attorneys fees.
Product: Student loan

Nelnet 's payment portal and/or website is constantly, constantly down and not working. At least XXXX percent of the time I can not log in to view, make payments or otherwise manage my student loans in any way. I can not provide specific dates as this has been a constant issue. The website has been down when I need to check loan balances or make payments at least XXXX separate times since Nelnet became my loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fradulent medical collection accounts and addresses on my credit report. These fraudulent accunts are hindering my ability to get a promotion at my job. I work in XXXX   and a promotion requires a good credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XXXX and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item.
Product: Checking or savings account

I was trying ti withdraw money while on my trip to XXXX XXXX and the ATM did not dispense the cash but they deducted the money from my account. Nothing has been done on their end, this is stealing. They are keeping money that is not theirs
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car dealership to and they said they would only be using XXXX now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.
Product: Debt collection

Went onto XXXX XXXX and noticed an account that was not mine and addresses that don't belong to me. I have tried to dispute this numerous times because it is not my debt to collect. This collector started from speedy cash and as you can see I live in Pennsylvania and speedy cash is not offered in my state.
Product: Credit card

XX/XX/2015 my daughter contacted XXXX to inquire about pricing about a flight to florida. Unknowingly when my daughter gave my credit card number XXXX considers that booking a flight. I disbuted the charge with Citi Bank they denied me stating I book the flight via internet and I read and understood the rules. Which was false. I called and stated This was a phone call and my daughter was on the phone and she is not an authorized user on my account and I should not be charged for an inquiry only. I contacted XXXX explained the situation they apologized for there agents mistake and explained it is company policy that they DO NOT give cash refunds they give flight credit vouchers. Which they did for the full amount of $ XXXX.on XX/XX/2015. I called Citibank and showed them the documentations and they still would not refund me. I then stated I would like to take this to court and let a XXXX make the final decision which they agreed to do. I also stated I am going make an advance payment of {$2900.00} which would leave only the {$120.00} balance in question. They agreed. Time went by I had forgotten about this until I applied for a car loan. To find out the Citi bank had destroyed my credit because i had not made any payments for 6 mo on the credit card. This is after making an agreement with me to let a court make the final decsssion and excepting a payment of {$2900.00} in advance so there would be no problem with a late payment. 
This is outright wrong to do to me after making an agreement with me also i could have made monthly payments at no cost to me because i had interest free for 18 mo. 
XXXX XXXX XXXX is aware of this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX  ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.