23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

have received repeated calls from XXXX but my spam blocker does not allow call to ring my phone, notifying me of an incoming call. today at XXXX XXXX  I received another blocked call from the same number. I called the number back and it states that it is Transworld Systems Inc. I have no idea who exactly is calling or why. a XXXX search informed me that they are a collection agency for various clients. I have not spoken to anyone at this number at any time they have been calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$5100.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I was expecting a XXXX refund to my Chase credit card from my foreign purchase in XXXX in the amount of XXXX XXXX. On XXXX XXXX, I received the amount of XXXX XXXX for the refund. Since XXXX XXXX rate seems incorrect, I called Chase customer service and they told me I have to wait till XX/XX/XXXX to know the conversion rate and it will show up on my credit card statement. 

I checked with the institution that initiated the refund. They confirmed that the amount refunded is XXXX XXXX and provided me with the receipt of the transaction. They told me that the conversion happens on the banking institution. 

I waited till XX/XX/XXXX, but there was no exchange rate nor source amount on my statement. I called Chase again, and this time the agent told me XXXX XXXX rate was XXXX XXXX XXXX XXXX XXXX, so I should be expecting XXXX XXXX XXXX XXXX XXXX XXXX. Observing the significant difference, the agent told me that she will file a investigation to look into this. After XXXX XXXX  of waiting, I called Chase again for the status of the investigation, and this time the agent told me that the amount Chase received was XXXX XXXX, which is much less than the refund amount ( XXXX XXXX ) the merchant confirmed with me. When I asked her to provide me with the documentation from Chase, she refused to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!
Product: Debt collection

Started to receive calls in XX/XX/2022 from XXXX with XXXX, Fair Collections & Outsourcing, regarding a debt I have with XXXX XXXX. I let him know that there were some charges I didnt agree with and that I was waiting for them to get in contact with me regarding that before I would pay. 

I finally heard back from XXXX XXXX in XX/XX/2022, and that sabe day I called XXXX back and informed him that I had heard back and we could start setting up arrangements. The amount I told him I could do was {$30.00}. He proceeded to ask, Well do you pay {$30.00} in rent? No, so the company wont accept that and neither will I. I then asked if {$30.00} wasnt acceptable, then what amount would be? He told me, The full amount. Im not going to sit here and argue with you. You have to pay the full amount, no other arrangement is allowed except that. I told him I knew that wasnt true and that I am allowed. He proceeded to say some other stuff and I told him that he was rude, unprofessional, and that would report him for his behavior. 

XX/XX/2022, this collection appeared on my credit. Immediately after I filed a complaint with the XXXX  regarding XXXX behavior. 

In XXXX / XX/XX/2022, someone else from XXXX called me, and she let me know that I could make an arrangement and we went through the options. I asked how I could get this off my credit because it shouldnt have been added due to his misinformation, unprofessionalism, and misrepresentation of debt collection best practices. She told me XXXX has a no removal policy and I would need to reach out to the consumer manager to possibly get this removed. Discussed the situation with XXXX and she sent me an email pdf letter informing me they werent going to remove it. 

There are a few issues here : XXXX ) I wasnt able to setup payments based on my conversation with XXXX and his unprofessional, disrespectful attitude and language. This resulted in the item appearing on my credit. XXXX ) There policy of no removal is unfair for situations such as this were their debt collectors are giving misinformation and wont allow their customers to make arrangements.
Product: Credit card

XXXX XXXX XXXXXX/XX/year> I received an offer from " Breadcashback '' to obtain a pre-approved credit card. I completed the application as requested and sent it to the company. 
* I subsequently received a response from the company via a letter written on XXXX which stated as follows : They were unable to approve the application because they could not verify my Social Security number against the information they received from the XXXX credit-reporting agency. They advised me to contact the Credit Agency, which I did and subsequently received a report verifying my information was correct - my credit was described as exceptional. 

* I subsequently contacted Comenity to advise them of the above. The first call was transferred twice and then was dropped when I was speaking with " XXXX. '' I called back and spoke with " XXXX, '' who advised that my application was denied and that the decision was Final. I requested a transcript of our conversation and advised that I would have to request it in writing. I told him that I thought the decision was discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One Auto Finance XX/XX/2016 Approximately XX/XX/2016 due to a job loss I contacted Capital One Auto finance in reference to an extension to make a payment on my account. a month later I check my credit report and it shows that I was over 30 days past due. I contacted Capital One auto finance and was advised there's nothing they can do to correct the mistake and there were no notes of the extension on their system. my vehicle loan is paid in full but the late payment is still showing. I've sent letters after letters to capital one auto finance and the credit bureaus with negative contact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - {$13000.00} XXXX XXXX - {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX  {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Debt collection

Key Bank collector agency, Has refuse to Accept, My requests to stop collection due to the COVID-19 Pandemic executive order.

Myself I had take the time to email them I had take the time to mail document to the Main office in Ohio. They had not done anything to help me from collection then never follow the executive order. According to The collection agency Key Bank they don't follow order. 

This communication between they debt collector In my private telephone line it need to be stopped immediately.. They collect the agency has not stop trying to collect
Product: Mortgage

In XXXX of XXXX XXXX pandemic was high. We were unable to make monthly payments with hours being cut at my job due to the pandemic. We used the forbearance and it had ran out. We tried over and over to work with the company to make refinance arrangements and were told no they couldn't. 
In XX/XX/XXXX we applied with XXXX XXXX  XXXX XXXX to help us get caught up and work with Mortgage company. 
We were told not to make any kind of a payment during the foreclosure program. We continued to ask if there was some way to refinance or use equity to get caught up. We were consistently assured during the mediation meetings that there was a solution to this and be able to not go into foreclosure. We constantly had different people represent the mortgage company and they seemed to not know the case or what was happening. The Meditator and Lawyer was consistent with this being able to work out a positive resolution. 
At the end of the mediation period, XX/XX/XXXX, we were told by the mortgage company that they were unable to help us until we were able to pay the arrears in full then to continue monthly payments each month. 
In XX/XX/XXXX, we spoke to the mortgage company about refinancing the house and was told he didn't understand why the underwriters couldn't do there as we have enough equity and finances were better to be able to pay each month. 
XX/XX/XXXX we were served with Notice of Sale of our house. 
XX/XX/XXXX the mortgage company called to talk about payments. In that conversation we were told that they are just a finance servicing company and they don't offer refinancing as an option. 
We feel we have been strung along for months. If they would have worked with us anytime during this process we would not be up to {$37000.00} in arrears and possibly losing our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to order some phones from XXXX XXXX. They used the wrong birthday. At the time of this order I was only XXXX years old. They have seriously ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX was offering a wonderful deal on unlimited data. We had been with XXXX since XXXX and thought that switching would be great. Since my cell phone line was up for contract renewal I went to XXXX got a new phone but was able to keep my number. Unfortunately XXXX coverage was spotty at best and sometimes non existent. Before the 14 trial period was over, I took the phone back to XXXX and was able to cancel the contract without penalty. XXXX took me back, yet XXXX would not release my phone number so that I could use it on XXXX. A customer service rep at XXXX " fixed it '' for me, and I was able to use my phone on the XXXX network again. What the csr did n't tell me was that he had re-activated my phone on XXXX for about 15 minutes and that made me liable for breaking the contract! I have called and spoken to this company every few months to resolve this and it has never been resolved
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Capital One introduced a new category of savings account with minimal notice and using a product name ( 360 Performance Savings ) very similar to their existing product ( 360 Savings ). Having had my account with them since my previous ING Direct account was purchased by Capital One, I presumed that they would continue to adjust the savings interest rate as ING had done previously as had Capital One. Instead, they only raised interest rates for customers who created a new type of savings account. This deceptive bait-and-switch caused me to lose out on at least several hundreds of dollars of potential interest, and would have also changed my overall investment strategy. I only realized this issue when reading news reports about this in XXXX XXXX.
Product: Prepaid card

XXXX has frozen my safe with {$100.00} in it and is not allowing me to access my funds. I have been trying for 2 months to access my funds, but the account has been frozen. I have been trying to contact customer service, but have been unable to reach them. They are holding my {$100.00}, and I want to either load my card or have them mail it to me. 
My username on their site to access my safe is XXXXXXXXXXXX 'm attaching a picuture of what happens when I try to log in. There is {$100.00} in the safe that is mine and they are holding.
Product: Debt collection

XX/XX/XXXX I reached out and responded to company with documented evidence that the debt was not owed. I provided 30 written notice to vacate the premises dated for XX/XX/XXXX. The debt ledger that was provided list rental amount and late fees for XXXX and XX/XX/XXXX which is after the the premises were long vacated. I asked for follow up documentation in the form of required by law 5 day pay or rent quit notices or late rent notices from the original creditor as proof of rent owed and did not receive any further validation of debt. I am asking for them to validate this debt in its entirety.
Product: Debt collection

I am writing on behalf of my teenage son, who just turned XXXX and was a student at the University XXXX XXXX Florida in XXXX. He stopped going to school temporarily until he could decide what he wanted to study. He knows he owes the university money, but he received absolutely NO communication from the school regarding his debt, not even a notice that his debt would go in to collections if he did not submit a payment. 

My son was first contacted by PHONE from the XXXX XXXX XXXX collections agency of XXXX, NY. This was his first ever dealing with debt and neither I or his mother were home to advise him. Instead, the company told him over the phone they needed his credit card number and to pick a date to start taking money out of his account. About a week later, on or about XXXX XXXX, he received a debt collections letter and a few days after that they removed {$360.00} fro his bank account. 

I am upset with the University XXXX XXXX Florida for failing to contact my son FIRST to try to make an arrangement to pay. There were no letter sent to our house, no phone calls made to alert my son they were going to send his debt to collections if he did n't make a payment. 

Both the University XXXX XXXX Florida as well as the XXXX XXXX XXXX XXXX XXXX ( ConServe ) took advantage of my son and did not provide him with an adequate opportunity to make arrangements to pay back the university. Furthermore, the collections cost on his {$3300.00} debt was {$1000.00} -- approximately one-third of the cost of his debt. NO credit card company, no mortgage lender, no bank I know of levies a 30 % penalty on debt, especially without attempting to make an arrangement to pay. 

The university should be ashamed of themselves for this practice. My son simply did not know how to react and this is his first " real world '' challenge as a young adult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Wells Fargo Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that XXXX is still reporting my account as derogatory when it is paid in full.
Product: Mortgage

I sent a payment to my home mortgage account electronically on XX/XX/19. My account reflected the payment and then showed a XXXX  balance on XX/XX/19. Wellsfargo then " reversed '' the payment without my authorization, but did not return the funds back to me. The account then reflected I once again had an outstanding balance and did not reflect the payment from the day before. Wellfargo says this is due to " delay '' in processing the payment and that i will eventually reflect accurately, however right now the account in in error and incorrectly reflecting my amount due and my outstanding balance. Wellfargo has been unwilling to correct the issue simply stating that it will correct itself in due time.
Product: Credit reporting or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX XXXX they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. 194 late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. Student loan company XXXX XXXX XXXX has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.XXXX XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Product: Debt collection

During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "