23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am contacting because of the difficulty in paying off the auto balance. 

I initially fell behind on payments ever since I moved to my new address. This was my responsibility and my fault here for not following up. 

In XXXX, I called the Wells Fargo Dealer Service multiple times in an attempt to pay off the debt. A settlement bill was scheduled to be sent a total of three times. The first did not arrive, the second arrived however it was burnt from our house fire. A third was send on the date extension XX/XX/18, with the due date XX/XX/18. The bill arrived afterwards, however an extension was not given. 
We attempted to pay at a local Wells Fargo to no avail. Email was unavailable to pay the bill. There is now a charge-off negative remark on my credit report. 

I would like to address this by paying the debt by the original {$290.00} payments on the Wells Fargo Dealer Services payment portal or get the negative remark removed from my credit report. 

Thank you.
Product: Checking or savings account

I opened a Capital One 360 Account with promotion code XXXX  going to web address https : //www.capitalone.com/bonus400/. This was to receive a {$400.00} bonus when opening a checking account. The terms were as stated : ( 1 ) must be the primary account holder and has to be your first 360 checking account ( 2 ) must accept the terms on a new 360 Checking Account by XXXX XXXX, 2017, and ( 3 ) receive 2 direct deposits of {$250.00} or more within 60 days of accepting terms and conditions for your new account. You will receive the {$400.00} credit to your checking account.
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I completed all of these steps and still have yet to receive the bonus. When contacting customer service by chat I was told that I was n't going to receive it. When I opened the account I put in the code and it accepted it and told me I would. This is fraud by Capital One.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally dispute unauthorized transactions on my debit card and to seek assistance concerning the denial of my claim by Wells Fargo. 

On XX/XX/XXXX, I discovered to my dismay that my purse was either lost or stolen, containing my wallet, phone, planner, and crucially, all my passwords, pins, and other critical personal information. Upon reviewing my account, I was alarmed to find an overdraft notification for more than {$400.00}, despite having a balance exceeding {$1000.00} just prior. 

Acting promptly, I immediately reported the fraudulent transactions to Wells Fargo the very same day. However, even after waiting for over 10 business days a reasonable period for the bank to investigate and rectify such matters no funds were credited back to my account. 

On my subsequent call to the bank around XX/XX/XXXX, I was informed that my claim was denied due to one or more transactions being authenticated with my PIN. I must clarify here : while it was an oversight on my part to have my PIN written down, it was securely kept in my purse, meant only for my reference. I have never shared this PIN with anyone, nor have I ever authorized anyone else to use my card. 
In accordance with Regulation E, 12 CFR 1005.6 ( b ) ( 3 ), even if the unauthorized transaction involved the use of my PIN, my liability remains limited given I notified the bank within the stipulated two business days after learning of the loss or theft of my card.I requested to talk to a Manager and was told I will get a callback from a manager within 48 hours. I have yet to speak to anyone or receive a phone call. I called again and was told a note was being added to my account for following up. Wells Fargo 's refusal to recognize my timely reporting and the unauthorized nature of the transactions seems contrary to the protection Regulation E affords consumersespecially since I reported the theft within the stipulated timeframe. The fact that my PIN was obtained and used without my consent only underscores the very nature of this theft. 

The loss of {$1200.00} has placed an insurmountable financial burden on me. I have fallen behind on essential payments, had services disconnected, and am struggling with daily necessities. It has also affected my plans to move into a new apartment, as every dollar I save is pivotal to my financial stability. 

I respectfully request a thorough review of my claim, taking into consideration the unique circumstances surrounding my case. I have always been a diligent and cautious individual when it comes to my finances and personal security. I believe it would be unjust to penalize me for an unfortunate incident that was beyond my control. 

I appreciate your time and attention to this matter and hope for a favorable resolution. I am available for any further information or clarification that might be required. 

Thank you for your understanding and assistance. 

Sincerely, XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried every phone number listed for Experian customer support and all bring you to automated system with no selection for speaking with a live person or choice for dispute. Also tried numbers provided by CFPB and all bring you back to same automated menu. 

Disputed the two active accounts with incorrect credit limits and incorrect remaining balances through website dispute portal over a week ago but still no changes. It appears no data has been updated in over two months although my credit providers report all information promptly. Experian shows report updated on XX/XX/XXXX but no changes and balance/credit has not been accurate for months.This is affecting my ability to get better terms on credit as accurate reporting data would bring my debt ratio down from 35 % shown to under 20 % putting me in a good credit range. 

Available credit is XXXX currently and reported as XXXX. 
Total debt is XXXX currently and reported as XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681.  
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Debt collection

Attention : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Via Hand Delivery On or about XX/XX/XXXX, I received notification from my Attorney that there was an item on my Credit Report that is not valid. 

On XX/XX/XXXX I contacted the Creditor JEFFERSON CAPITAL SYSTEMS and discussed this matter. 

During the conversation ( AUDIO RECORDING ATTACHED ) THIS IS THE ACTUAL CALL https : XXXX? XXXX & XXXX As you will notice, the company stated that 1. They Acknowledged that NO DEMAND LETTER WAS SENT TO MY ADDRESS 2. They Violated the FCRA by reporting a disputed illegal purchased debt against my credit profile, based on the fact that I was never notified of the claim. 

Their internal account number data is : DEBT DESCRIPTION : XXXX XXXX ACCOUNT : XXXX CURRENT CREDITOR ( XXXX PURCHASE OF XXXX ACCOUNT ) JEFFERSON CAPITAL SYSTEMS LLC XXXX REFERENCE : XXXX AMOUNT OF THE DEBT : XXXX XXXX This is being submitted to the CFPB prior to the Filing of Federal Litigation. 

I ask that you compel this company to follow the law and LISTEN to the ACTUAL CALL. 

We have the actual transcript of the call. 

This is the actual PODCAST of this ILLEGAL EVENT THAT HAS BEEN SYNDICATED Regards XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Navient has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that Navient used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. Navient repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following items, but I have not received a response. I kindly request your assistance in resolving these issues and ensuring compliance with federal law. 

These accounts do not belong to me. Kindly remove it from my credit report. 

XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$22000.00} ), ( XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX : {$2400.00} ), ( XXXXXXXX XXXX XXXXXXXX XXXX CA, Opened : XXXX. XXXX, XXXX, Credit Limit : {$1600.00} ), ( XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$21000.00} ), XXXX XXXX XXXX, Opened : XXXX. XXXX, XXXX, Highest Balance : {$28000.00} ), XXXX XXXX XXXX, Opened : XXXX XXXX, XXXX, Highest Balance : {$230000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BARCLAYS BANK XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Aargon collection agency is trying to collect a medical debt from 2017 where my health insurance has already paid. I had a XXXX in XXXX of 2017 and I have contacted XXXX ( my health insurance company ). Ive contacted the hospital and they unable to provide a statement of charges that aargon is trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received info that I have a balance with Target credit card 0f XXXX $ and it was overdue so a missed payment fee was added to the account- fee of 30 . I did not remember making any recent purchases with that card in XXXX, at the mentioned location, as it was far from my house or the location where I shop usually also, when I checked my wallet, I saw the card missing. 
I called the customer service to require more info about the purchase and was told that they can put the dispute under investigation. I asked if I have to make a payment while the dispute is reviewed and was told that _NO, until a decision is made I have no payment to make. 
On XX/XX/XXXX I recieved the letter stating that my dispute is denied and I have to make a payment, so I did pay the amount required. At that point I also noticed that they added one more late fee of XXXX $ to the account, so my balance was XXXX $ already. 
so they added the amount before I was aware of the decision regarding the dispute, and they also reported my account to the credit bureau and that affected my credit history by 120 points. 
I had an account with them for over 3 years, and my account history was positive. I was a good paying client. It is not professional to Add an extra fee to the account before I have info regarding the dispute and also to report me to the credit bureau before the status of the dispute is announced to me. 
I found out about the status on XX/XX/XXXX, that is when I recieved their letter and I paid my balance right away. On XX/XX/XXXX I recieve a call from Target collection department and the lady is asking for a payment. I told her that I payed yesterday, she double checked and confirmed the ayment was made. After 1 week I found out that my account was reported to the credit Bureau and that lowered my credit by 120 points. 
I called Target to clarify why they reported me, before the status of the dispute was announced to me and why I was reported if my balance was cleared. The lady advised me to file a dispute with XXXX regarding the activity and that Target will also follow up with a letter to XXXX to inform that my account was wronfully reported, due to the fact taht I still had a dispute open or the dicision on the dispute was not announced to me, when the account was reported. 
On XX/XX/XXXX I followed up with XXXX and they Informed me that as of XX/XX/XXXX Target informed XXXX bureau that I had a balance of XXXX $ still open on my Target account. 
Please assist me and advise me on how to proceed and also to fix my credit score. 
I believe Target services were acting unprofessional and it was wrong to report me to the Credit bureau before the decision on the dispute filed was announced. Also it was wrong to report on XX/XX/XXXX that I still have an open balance of XXXX $ when my balance was covered the account was up to date in XX/XX/XXXX.
Product: Mortgage

I paid my mortgage online on XX/XX/2018 for the XXXX payment due to avoid a late charge. The payment was not processed until XX/XX/2018 and I was charged a late fee.
Product: Credit reporting or other personal consumer reports

When I log into into the Equifax website, it shows that my credit report is unavailable. 
I have called them multiple times to have them update/resolve the issue. 

Multiple tickets have been put in. Nothing has been done. 

The Equifax representative told me it was a issue on their side and she would have it resolved. 

It has been MONTHS. 
My credit report is completely blank according to their website.
Product: Credit reporting or other personal consumer reports

My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was acct. XXXX XXXXXXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXX XXXX XXXX XXXX and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXXXXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Vehicle loan or lease

My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX BRIDLE PATH XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$95.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX
Product: Debt collection

XXXX {$2400.00} I explain that I go to pay in part but the ask me to pay the total they don y want to accept payment they want me to pay th total by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a dealer to buy a car and the salesman turned me away before running my credit and asked me to leave so I don't understand how they could run it when they told me they weren't going to because they didn't want to sell me a car
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my 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 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX