23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX a Sherriff showed up at my house to deliver a summons for a lawsuit that XXXX XXXX  and Blitt and Gaines , P.C . filed with the XXXX XXXX XXXX XXXX on XX/XX/2024. This experience was very embarrassing as neighbors were able to see this alleged debt being served and I live within a very small community so gossip spreads quickly. There is no contract or credit cards with XXXX XXXX XXXX, there is no contract with XXXX XXXX or Blitt and Gaines P.C. All of my personal property and belongings are paid off, inclusive of my home and vehicles. Why would I have a credit card when the interest rates are usurious. Seems as if they have failed to abide by 15 USC Section 1692g by not validating this debt properly and my first knowledge of this debt being a lawsuit. Also, it seems as if they have misrepresented the documents submitted to the court, the address is not correct ( redacted. ) My wife and I just moved a little over a year ago as well so it seems as if they are trying to collect on this alleged debt from the wrong person, this seems to be a violation of 15 USC 1692e.
Product: Money transfer, virtual currency, or money service

A trusted friend recommended me as well as a group of trusted family friends to an investor who promised to return our money about 2 weeks after we initially sent. He has hacked into the bank accounts of some people involved since then and has not returned anyones money. We have clearly been frauded. He made written agreements in text of when he was returning the money and it has been about XXXX months.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a dispute with NCA they were asked for debt validation according to 15 U.S.C. 1692 ( g ) and they only provided the original agreement between me and the person they bought the debt from they refused to validate that they were now in a position to collect the debt nor would they provide me with payment history when i called XXXX and I asked them repeatedly for it in writing and they have just absolutely refused to give it to me and as such are incorrectly reporting on my credit
Product: Debt collection

On XXXX/XXXX/16 I received a letter for the exemption I faxed a letter showing that the last time I received assistance was XXXX/XXXX/2016 which was within 6 months from receiving this letter I faxed it back to them on XXXX/XXXX/16 along with a letter that my children receive free lunches. They told me that the exemption was not valid even though it was within 6 months and that the free lunches is benefit for my children. I told them that I was applying for assistance again and then sent them an email that I received on XXXX/XXXX/2016 that I was approved again for assistance. They said the email did not work on XXXX/XXXX/16 I sent them the approval letter that I received that the first payment for assistance was on XXXX/XXXX/16. In the meantime my check has been garnished knowing that I have received assistance and exemption and that I will be receiving assistance in XXXX. They are telling me the garnishment will continue until XXXX/XXXX/16 even thought the exemption states within 6 months and currently receiving which I am just because the first payment for the new year does not start until the end of the month. The collection person also has notes that she talked to me and called me and she never contacted me. In 2 weeks she never returned my calls and I called at least 5 times a day and never talked to her or anyone else but left messaged. Today XXXX they finally let me talk to a supervisor and she told me again the exemption is not valid even thought it starts in the month and is current. 
She said garnishment will not stop until XXXX. The exemption letter that is sent states currently receiving or within 6 months months. The exemption is currently receiving in the month of XXXX As well as other collection places take the kids getting free lunch as an exemption as well and not sure why they will not as this is assistance for the family based on my income.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted Equifax in which I spoke with XXXX ( Ref # : XXXX ) to place fraud alerts on all credit reporting companies. He offered a product for $ XXXX for extra security as well, which I agreed to. He then told me he would send, via email, a link to set up an account and password so I am able to view all credit reports, scores, and make sure my credit did not have suspicious changes. I have not been able to set up an account as of yet. I have spoken with XXXX agents from Equifax and none have been able to help me set up an account. Each time I tried to set up the account, it would keep telling me, " We are temporarily unable to complete your request ''. On XX/XX/year>, I spoke with XXXX ( Ref # : XXXX ). On XX/XX/year>, I spoke with XXXX or XXXX. I was on the phone for a least 15 minutes and then the call terminated and she did not bother calling back. The last agent I spoke to was on XX/XX/year>, XXXX ( Ref # : XXXX ). He could not help me. He kept sending me the link for account set up and the same message, " We are temporarily unable to complete your request '' kept coming up. In addition to this, I kept trying to create an account under different browsers ( XXXX, XXXX, XXXX ). He assured me that he would escalate my issue to tech support to see what the problem is and that they would email me within 7 days. I have not received any email from tech support as of yet. I am frustrated. I have spoken with many agents with no one to help solve this issue. I feel that they're just going through the motions. I believe this issue is on their end. I am paying for a product monthly that I am not using and they're benefiting from it. I have not been able to view my credit reports and I am XXXX  to see what's on there as well as to make sure there is no suspicious activity. Please help.
Product: Credit reporting or other personal consumer reports

TransUnion is investigating a dispute which involves XXXXXXXX XXXX  the issue was incorrect information that was reported in XXXX of XXXX for XXXX of XXXX. Although TransUnion stated they were still waiting for the mortgage company to send over the information so that the score could be updated it was supposed to end on XX/XX/XXXX I received a response from TransUnion telling me that the investigation was closed and nothing was corrected .TransUnion stated that the investigation will be open for 30 days however it was closed prematurely and they should have allowed the mortgage company to respond if the mortgage company did not respond they should have took the information that was given to them which was documentation on a letterhead paper from the mortgage company and updated the credit score I'm starting to feel like either this is discrimination against African-Americans which prevents them from receiving a mortgage loan because there is nothing else the credit bureaus can gain by purposely refusing to update my credit score properly
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXXXXXX XXXX  are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Name. My Address My Personal Information has been named in a Data Breach. XXXX XXXX. Equifax. XXXX. Are reporting False information on me contacting to identity theft
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Inaccurate Reporting and Failure to Properly Investigate Dear XXXX, Transunion I am writing to formally dispute the reporting of an account under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on my credit report. This account is removed from XXXX but still reporting on my XXXX and Transunion credit report, your prior failure to properly investigate this matter is a direct violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable reinvestigations when a dispute is raised. Issue : The account is reporting fraudulently on my credit report, and despite notifying XXXX and TransUnion about this false information continues to appear on my credit report. XXXX and Transunion lack of a reasonable investigation into the accuracy of this accounts information has harmed my credit and violated my rights under the Fair Credit Reporting Act ( FCRA ). Required Actions : Immediate removal of the fraudulent account from my credit report. Ensure compliance with 15 U.S.C. 1681s-2 ( b ), which mandates that data furnishers also investigate and correct any inaccurate information. If this account is not removed from my credit file within the timeframes required by the FCRA, or if XXXX and Transunion fails to adequately explain the verification process, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Consulting legal counsel to pursue damages for violations of 15 U.S.C. 1681i, 1681s-2, and other applicable laws. Please confirm in writing that this account has been removed and provide a detailed explanation of the steps taken in your investigation. You may contact me. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

Tried several times to use my debit card to link to several different sources for payment! 
Says PNC made changes. 
Not Happy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe TransUnion investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance late payments In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I have been fighting this issue with Experian for over a year now! Now all the credit bureaus have the wrong info. My account number with CFPB is : XXXX. Experian has cost us thousands of dollars so far and stopped us from being able to move forward with our lives, financially. Experian, LIES-LIES-LIES!!! CFPB, would do their part, then Experian would tell us they would correct it and they would only send us another bureau report, no changes, in fact the reports got worse, for we were refused a consoladation loan and it was at that time we discovered, EXPERIAN had deliberately XXXX our credit report. I am fully aware of all the lawsuits against Experian, plus Experian 's part in the XXXX XXXX scam. I 've made copies of these issues from your website and hand delivered to companies we were trying to get credit from, no help. After calling XXXX different phone numbers, I finally reached XXXX at Experian, XXXX, on XX/XX/2015, XXXX said he could n't hear me, gave me a number to call him back and " YES '', that number was a non working number. I 've not been able to reach Experian by phone ever since. As stated in my original complaint, neither my wife nor I 'EVER ' gave Experian nor any other credit bureau the permission to gaither or report our credit, plus they never get it right for millions of people and yet they keep going getting away with murder and making trillions of dollars at the expense of others. We need this matter corrected " ASAP '', ( ALWAYS SMILE AND PRAY ). 
PLEASE-PLEASE HELP US WITH THIS REQUEST. We are in our XXXX and deserve to live a better quality of life. 
Blessings XXXX & XXXX XXXX XXXXXXXXXXXX XXXX XXXX, CO XXXX XXXX
Product: Student loan

I applied an overpayment to one of my accounts, explicitly selecting not to have the overpayment applied to my next installment. Overpayment was still applied to my next installment, and the Navient rep i spoke to online tried to make the case that it was supposed to, even though it was an overpayment explicitly selected to be against the account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed  XXXX  collection that i seen on my Equifax credit report that i have no knowledge of. They did a investigation and told me that the collection belong to me with out any proof of me agreeing to owing these collection.  XXXX  of them is CC collection for {$140.00} and the other  XXXX  is also CC collection for {$56.00}. I reported it on  XXXX / XXXX /  XXXX   or on  XXXX / XXXX /  XXXX  . i got a response on  XXXX / XXXX /  XXXX  . I 'm not satisfied with this response due to the fact that the other  XXXX  bureaus had them deleted.
Product: Checking or savings account

On XX/XX/year>, I contacted Capital One Customer Service about submitting a Wire Transfer from my personal checking account to my personal account on XXXX XXXX, I was told by the Customer service Representative to go ahead and submit the transfer request through the bank 's website which I did. 

Later that day the bank 's Fraud and Customer Protection Department called me and asked several questions about the transfer.

At the end of the call, they informed they had a mad e decision to close the account. Also, that my " good funds '' would be returned 7-10 days after they complete their investigation and close the account. 

On XX/XX/year>, I called to determine the status on the return of my funds and they would not provide any further information. 
The banks ' arbitrary and capricious decision to hold my money for no valid reason is causing me significant financial and emotional duress. 
I am unable to pay my bills because of this fraud perpetrated by Capilal One.
Product: Debt collection

I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and became erratic and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.
Product: Credit card or prepaid card

The complaint numbers above are all regarding the same case and order number. 
Complaint # XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Order # XXXX On XX/XX/XXXX and XX/XX/2022, I received letters from CapitalOne/Neiman Marcus stating that my case is closed as they have credited my account in XXXX for {$2300.00} and issued a credit in the amount of {$210.00} for a total balance for the item purchased and paid for {$2600.00} and stated they consider the matter closed. I received a letter dated XX/XX/XXXX, that referred to the letters dated XX/XX/2022. 

My problem is no one, when I call seems to be unable to address any of my questions. Instead of having a direct point person you can work with, you get a new person every time you call. You must explain the situation again, and in the end, the representative is unable to answer questions or do anything. 

None of the correspondence received from CapitalOne/Neiman Marcus answers any of the questions I presented in my complaints to CapitalOne/Neiman Marcus or the CFPB XXXX 

I want the answer to the following addressed : 1. What is going to happen once Neiman Marcus exchange the product out in XX/XX/2022? I can see this becoming a big mess again because Neiman Marcus is going to handle the exchanged item as a new purchase ; I will receive a bill stating that I owe them, and this circus gets repeated. 

2. What about all of the credits due me from Neiman Marcus? Submitted proof of the credits to CapitalOne/Neiman Marcus back on XX/XX/2022, and again on XX/XX/2022. 

None of my statements reflect the credits that Neiman Marcus stated they were giving me. The credits were issued to the old account number ending in XXXX and are still not reflected on my new account ending in XXXX. XXXX Neiman Marcus be issuing me a check for credits? 

XXXX. I was told that I was going to receive a check in the amount of {$5200.00} ( XXXX XXXX ) ; then I was told I would be receiving a check in the amount of {$2600.00}, ( XXXX XXXX ) and lastly, I was told that my account would be credited the {$2600.00} ( XXXX XXXX ). Currently, my account is at a {$0.00} balance. 

I believe the account should indicate a credit of {$2600.00}. Once the item has been exchanged, the account should equal out, and a statement is not generated requesting payment which could impact my credit report and XXXX having to go back through this same issue again.
Product: Checking or savings account

Dear CFPB My case is simple and short. I asked a cashier check from my XXXX XXXX XXXX XXXX account and the other side of the street deposited to my Citibank checking account. After I deposited they transferred my money the very same moment fom my other bank. After this transaction made 3 days later tried to send $ {$300.00} with XXXX from my Citi but did not worked. Called the bank and after XXXX XXXX  chat they told me absolutely no any issue with my XXXX and they have no a knowledge why I can not send this small money to my wifes account. After this conversation my Citi online access was blocked and closed my account. Next day tried to ask my XXXX back to take it back my other bank. They refused give me my cash back. Refused to give my and the XXXX XXXX XXXX XXXX help. Absolutely no answer. Probably some employee made a mistake what I have to pay. 
Not giving any answer on phone or in the branch office, no information why they holding my money since XX/XX/2023. Please help if it possible, I raelly had to use that mone for business purposes. Thank you! 
Best regards : XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company has continued to call me at work. I have told them multiple times that I can not take calls at work. The most recent call was by XXXX ( for the second time ) at XXXX on XX/XX/18. I told him previously this was not a good number and I can not take calls at work. He calls again and I say the same thing and he says " oh no this is a great number to call you at ''. He poses as a customer in order to be transferred to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under NATIONAL CREDIT SYSTEMS which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed NATIONAL CREDIT SYSTEMS twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )