23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me XXXX like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that is just some of them, I have disputed and asked for validation from nelnet over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document s including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe s the route
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''
Product: Credit card or prepaid card

Card : American Express XXXX Preferred Guest Card Opened account in early XXXX XXXX, when XXXX had a promotional account opening reward bonus of XXXX SPG point, with certain spending requirement. 
Here 's my statement amount for the first several months : XXXX : {$390.00} XXXX : {$7900.00} XXXX : {$1700.00} Those amount should easily cover the spending requirement. But I have never got my rewards. So I contacted XXXX 3 times, once in XXXX, twice in XXXX. I 've been getting the same answer every time. 
The " official '' answer is : this is a known issue and we 've been investigating it. You will get your reward soon. That 's XXXX. 

I 've no where to file a complain so hopefully you guys could help out here. 
Thank you so much,
Product: Credit card or prepaid card

I applied for a Citi credit card to use for reimbursable work purchases in XX/XX/XXXX, two days after applying I received a letter stating that my application had been approved and that I would receive the card in 7-10 business days. The letter had a phone number to call if I did not receive the card within this time frame. On XX/XX/XXXX, approx. 14 days after having received the letter, I had not received the card so I called the number. The person who answered transferred me to someone else who said that he couldn't help because he was responsible for new accounts and I have an existing account, so he transferred me to a repeating message that told me to call the number that I had called to begin with for personal cards or another number for corporate cards with no options to talk to anyone or leave a voicemail or anything. I attempted to call the number again with the same results. The third time I said that I needed to cancel the card and they transferred me to someone else who asked a lot of strange questions to " verify my identity, '' and none of the answers that I provided satisfied her even though they were factual responses to her questions. Her responses to my answers were disrespectful and she accused me multiple times of attempting to commit fraud over about 20 minutes of attempting to confirm my identity. The conversation ended with her telling me that she has to send a letter to my registered address to confirm my identity before anything can be done. A couple of hours later I checked my mail for the day and found a letter from Citi that stated that I had suspicious activity on the account that I had just applied for and not yet received a card for and that I needed to call about the suspicious activity. So I called again and was transferred to a more respectful person who paid attention to my questions and answered them appropriately instead of saying " mmmhmmm, that doesn't match what we have '' to everything and accusing me of trying to commit fraud. It took about 30 seconds to confirm my identity with this second person, we discussed the card having not yet arrived and the suspicious activity letter. She stated that the card should arrive any day now and that I should ignore the suspicious activity letter because it had been sent in error. On XX/XX/XXXX,  the card still had not arrived and I received another letter regarding suspicious activity on the account. I called again on XX/XX/XXXX and went through a few transfers before talking to someone who said that he could help with the situation. I gave him the information that I had and explained what was going on, he said that he needed to put me on hold and would be back shortly. After being on hold for 9 minutes the call disconnected. I called again and asked to cancel the card, was told that I needed to be transferred and was hung up on again.
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 XXXX 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 i've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

This is not my credit card, I never opened this account and have tried to reach out to the credit card company numerous times and have never heard back! Ive tried calling, Mailing information to the phone number/address on there website. No one is fixing this and this card account was opened fraudulently!
Product: Money transfer, virtual currency, or money service

Google Pay was offering a {$21.00} cashback promotion after spending {$50.00} at XXXX. I saved the offer in my Google Pay account in early XXXX. On XX/XX/XXXX, I checked my account ; the XXXX offer was still saved to my account in the app, so I proceeded to spend {$50.00} at XXXX on XX/XX/XXXX. I did not receive the {$21.00} cashback from Google. 

I tried contacting Google for help but they said the promotion had ended. However, this is extremely deceptive marketing because I double-checked my app right before I made the purchase, and the offer was still standing. If Google wants to end a promotion, then they ought to take down the offer. I was " tricked '', essentially, into spending {$50.00} at XXXX that I would not have otherwise done because I thought I was getting {$21.00} cashback for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my XXXX XXXX has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX hidden XXXX XXXX XXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed the amount for XXXX, chime then closed my account on XX/XX/XXXX. The merchant accepted the charge back as I was wronged and chime apologized for the billing error and ensured me on several occasions that my account closure check would be mailed to me within 30 days, it is now XX/XX/XXXX and no check has been printed or mail and no tracking number has been provided. I had spoken with supervisors and reps some who said the check was sent some who said it wasnt some who just didnt care to help at all. I have lost my car, I am on the verge of eviction and behind on several bills. This situation has worsened my XXXX I am at my breaking point. The reps and supervisors have made tons of escalation tickets claiming they are not in charge of checks and thats all they can do. But the escalation tickets have been very unhelpful Ive had express the severity of the situation on several occasions the company does not care. They are illegally withholding my funds and giving me false information or robotic response that dont apply to my situation. Everytime I reach out for help they say your account has been closed on XX/XX/XXXX and funds will be returned within 30 days but no funds are being returned and its over 30 days. I dont know what else to do Im at my breaking point I just want my money back so I can continue surviving this is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from XXXXXXXX XXXX stating that I had been approved for a certain amount of credit line. I do not have a XXXX account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.
Product: Student loan

Previous complaint XXXX claimed to be resolved but illegally capitalized interest magically reappeared in XX/XX/XXXX ( after being previously removed in XX/XX/XXXX ). Received letter from XXXX XXXX XXXX  back in XX/XX/XXXX stating the illegally capitalized interest would be removed and it was removed back in XX/XX/XXXX then magically came back again in XX/XX/XXXX. Not sure why capitalized interest which was previously removed in XX/XX/XXXX  magically reappeared. See two attached documents for more information!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I opened a business card for my business XXXX XXXX. I closed the account on XX/XX/XXXX because I had to dissolve the business. This card was never reported to my personal account as it was a business card. I attempted to pay but also advised representatives that my financial status had changed and I wanted to set up a payment plan. They advised that since I was not past due... there was nothing they could do. Last week, I received an update from the credit reporting agency noting that my score decreased by XXXX points due to the reporting of this business card on my personal account as 60 days past due. I called XXXX and was advised that " they can do that ''. I was also advised that they closed the account in XX/XX/XXXX which is untrue. I want this card removed from my account as it should not be there in the first place. I want someone to attempt to set up reasonable payment plans with me as I expressed well before it went past due that I needed help!
Product: Student loan

Navient has failed to update my student loan record resulting in late payments showing on my XXXX, XXXX, and XXXX report. This has cause my credit score to drop. I would like for the late payments reported to the credit bureaus to be removed.
Product: Credit reporting or other personal consumer reports

I TOLD EXPERIAN TO REMOVE THIS LATE PAYMENT, REGIONS BANK ... 30 DAYS LATE..HOWEVER THEY SAID EVERYTHING WAS CORRECT..EXPERIAN VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S. CODE 1666 ( b ) BILLING ERROR recently I checked my credit report and noticed a billing error under 15 u.s. code 1666 ( b ) billing error.AS I KNOW THE LAW STATES THAT THE BANK DID NOT NOTIFY ME 21 DAYS BEFORE WITH A STATEMENT OR A MAILED LETTER, SO THERE SHOULD BE NO LATE PAYMENTS ON THIS ACCOUNTS..I DEMAND TO SEE HARD SOLID PROOF FROM THE CREDITOR THAT THEY MAILED ME A LETTER BEFORE THE DUE DATE AND PROOF THAT THEY SENT IT.THIS CREDITOR WAS SUPPOSE TO MAIL OBLIGOR A LETTER BEFORE THEY PUT A LATE PAYMENT ON THIS ACCOUNT..VIOLATION.15 U.S. CODE 1666b IS A LAW THAT GOVERNS THE TIMING OF PAYMENTS FOR OPEN ACCOUNTS, LINE OF CREDIT AND CREDIT CARDS ACCOUNT. ( MAIL OR DELIVER A PERIODIC STATEMENT TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE PAYMENT DUE DATE.CREDITORS CAN NOT TREAT A PAYMENT AS LATE UNLESS THEY HAVE REASONABLE PROCEDURES IN PLACE TO ENSURE THAT THE STATEMENT OR LETTER WAS DELIVERED TO THE OBLIGOR ON TIME.AS A CONSUMER BY LAW THIS LATE PAYMENT NEEDS TO BE DELETED IMMEDIATELY OR I WILL SEEK MONETARY COMPENSATION FOR VIOLATION OF MY RIGHTS IN SMALL CLAIMS COURT IN MY CITY AND STATE UNDER 15 USC 1681 CIVIL LIABILITY BECAUSE I'VE BEEN VIOLATED.ALSO, WE ALREADY INVOLVED AND SENT A LETTER TO THE COMPLAINT PORTAL FOR ( CONSUMER FINANCIAL PROTECTION BUREAU, STATE ATTORNEY GENERAL 'S OFFICE,XX/XX/XXXX AND FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!
Product: Credit reporting or other personal consumer reports

This is my 10th 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 XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Wells Fargo incorrectly charged overdraft fees on debit and ATMXXXX through 2015.Atm debit card fees {$3.00} per transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax numerous times to take these 2 closed accounts off my credit XXXX consumer and XXXX These are fraudulent accounts thats are not mine and i demand Equifax to remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX  that are hindering me from being approved to buy a house. One account is with XXXX XXXX XXXX for {$1500.00}, it says it was closed XX/XX/2018. The other is with Security Finance Corp for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for XXXX XXXX XXXX still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. XXXX XXXX XXXX directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1-Flagship XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX  XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) XXXX XX/XX/XXXX. ( 11 ) Flagship XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Product: Debt collection

On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts Jefferson Capital Systems LLC for the amount of {$1500.00} and XXXX  for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.
Product: Debt collection

I have contacted Transunion several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Transunion several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.
Product: Debt collection

I received a letter from the law firm Schacter Portnoy dated XXXX XXXX, 2015 that have been retained by XXXX XXXX XXXX XXXX XXXX to collect on an amount due from Original Creditor, XXXX XXXX Bank. 
I have never received any communication from XXXX prior to receiving the letter from Schacter. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe Schacter Portnoy has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by XXXX to contact me. 

I have requested proof from Schacter Portnoy proving they have been retained by XXXX to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.
Product: Credit reporting or other personal consumer reports

my credit report is not 100 % correct this information listed on my account is not correct I am disputing XXXX account listed on my account THIS IS NOT MY ACCOUNT THIS IS FRAUD