23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems Inc re-aged a paid and closed student loan account on XX/XX/XXXX. When contacting the company XX/XX/XXXX a representative was able to find my account with name and DOB but  was unable to access the account as she stated that it was in a dedicated department that was currently closed. XX/XX/XXXX call was placed again to company, transferred to the correct department and this representative was unable to locate my account unless I gave my social security number. Explained that XX/XX/XXXX that woman was able to find the account so that rep attempted to find my account but could not. At no time were there any documents mailed to me regarding this account with and account number or balance. I have only had one private student loan with XXXX/XXXX  XXXX XXXX which was paid and closed, any other claims are fraudulent and need to stop. Please see attached excerpt of credit report showing this account being paid and closed.
Product: Money transfer, virtual currency, or money service

As explained in prior CFPB complaint in re, unable to pay seller by the name of XXXX XXXX, error message states, " can not use card provided '' or similar thereof, I am still unable to make payment to this person... Matter remains unresolved and unable to pay seller.. Most recently, I spoke with an XXXX with Paypal whom attempted to imply the payment information used is associated with other Paypal accounts I had prior, several years ago... The payment methods attempted, including credit and debit accounts, were all opened within the past 1 to 2 years, which is after any prior Paypal accounts closed and or limited... Prior to this, I requested all accounts including those limited, closed which Paypal refused to do so, thus, reason in part for inability to pay XXXX XXXX. Currently, I am using email : XXXX for current Paypal account which is being used for attempted payments, I do not know emails associated with Prior Paypal accounts. XXXX claims these prior accounts are associated including name, payment info, and or address... I have moved since these accounts were opened, several years ago.., I will reiterate the current accounts were all opened within 1 to 2 years, well after any prior Paypal account closed and or limited.. Needless to say, XXXX 's response seems to be bogus and matter not addressed. Her response indicates to use another payment method in which case, seller does not accept other methods than Paypal. Having said that, Paypal needs to fix issue including closing any prior Paypal accounts which may be interfering with payment to XXXX XXXX.
Product: Debt collection

I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.
Product: Credit card

I opened an account in XX/XX/XXXX to purchase a new home electrical XXXX  for approximately {$3400.00} and set up auto-pay with Synchrony Bank XXXX On XX/XX/XXXX, Synchrony Bank charged my account {$2000.00} in deferred interest without notifying me of the upcoming expiration date which was XX/XX/XXXX. If they had communicated with me, I would have paid the balance in full. On XX/XX/XXXX, I spoke with a representative of Synchrony Bank explaining this and they told me there was nothing they could do. I offered to pay {$500.00} for missing the expiration and they declined. I believe this is an unfair business practice to charge {$2000.00} in deferred interest for a XXXX time purchase of {$3400.00} which I was making timely payments on. On XX/XX/XXXX I subtracted the {$2000.00} in interest from the balance they were telling me I owed and made a payment of {$1400.00} and then turned off autopay and closed the account. In my opinion, this is bogus to charge someone over {$2000.00} for missing a promotion expiration date by 30 days. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we traded two vehicles and initiated a new loan on a current model. We froze our credit with experian in XXXX because a relative was being suspicious about our social security numbers. 
In order to the new loan we attempted to unlock or experian accounts but on each of the phone calls we are hanged up on or the line goes unattended for as much as one half hour in the middle of a conversation before the line disconnects. 
We do not have phone issues in any other conversation or call we feel this is either intentional and requires addressing immediately.
Product: Student loan

I been contacted from XXXX to help lower my loan monthly payments, XXXX XXXX an XXXX XXXX asked me to submit my financial documents like tax return, social security numbers, household income verification, I did submit all the requested document on XX/XX/XXXX, since then I was making monthly payment for {$100.00} every XXXX of each month. this year I asked my loan lender to send me the form XXXX  for tax purpose, they told me I never made any payment for XXXX and XXXX. 
I need to get back my money and pay it back to the loan lender. 
I have all the emails, bank statements shows my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three letters to Equifax letting them know that I am a victim of identity theft and also the suspect XXXX XXXX had a fraudulent driver 's license create it in my name and she's currently locked up for identity theft and mail fraud Equifax has deleted everything else except for the XXXX XXXX XXXX fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CENTRAL FINACIAL CONTROL SHOW ON MY CREDIT REPORT, I 'VE NEVER HAD A RELATASHIP WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

Despite the recent FTC settlement, I got additional spam emails from Experian in violation of the CAN-SPAM act.

They continue to send me promotional emails with no opt-out whatsoever.

They do not care about the law or users whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, XXXX, and TransUnion did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how XXXX violated my rights.
Product: Prepaid card

On the XXXX of XXXX, I was told a replacement card would be given for funds being used without authorization in the amount of {$500.00}. It has been much longer than the 7-10 business days they said it would take, and I do not want to end up waiting up to six months like many others have had to do. Representatives did seem helpful at the time, but it is becoming clear that they either have no intention of correcting their mistake, or wasting time and causing emotional duress through redirection. I feel like I am being given the runaround and will be speaking to Incomm representatives soon. I think this company should have been investigated long ago and should have to pay for incurring damages beyond the scope of what the value of the cards were at the time.
Product: Checking or savings account

On Thursday XXXXXXXX XXXX I went to the State Employees Credit Union and applied for a checking account and wanted to try for a mortage loan. I was told I couldn't apply for eithier one because of a charged off account for a car i purchased for {$3300.00} through them 20 years ago. I was told from another bank that the account should not be able to pull up after 7 years. I am now XXXX XXXX XXXX and want to buy a house and the best route for me is state employee. Thank u in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my credit at freeze.equifax.com on XXXX/XXXX/XXXX. I entered all my information, got the following on the next page once I submitted it " We are currently unable to service your request. 

Please try again later. '' Worked OK at all the other bureaus. Thanks for your help
Product: Credit card or prepaid card

Hello, My name is   XXXX   XXXX   and I applied for an American Express Gold Delta credit card on   XXXX    XXXX  2017. I signed up under a 40,000 welcome miles offer including a {$50.00} statement credit after on e Delta Purchase.  The terms of the offer stipulated that I make {$1000.00} of purchases in the first 3 months to receive the 40k miles. I also needed to make a Delta purchase within the first 3 months of any amount to receive the {$50.00} statement credit. I applied for the card in  XXXX  knowing that in  XXXX  I wanted to take a trip to DC with my husband while he was there on a work trip. I met the minimum spend requirement on  XX/XX/XXXX . This was well within the first three months of being approved of the card. The terms and conditions of the card and offer state that the bonus miles would be posted within 6-8 weeks. It is now  XX/XX/XXXX  more than 8 weeks after meeting the spend requirement. I have reached out to American Express numerous times with no concrete answers. I am told that there is a ticket that was opened  XX/XX/XXXX  in the back office for investigation ; however, I get no expected date of resolution and I get no recourse on how to book my trip. On top of that I also made a Delta purchase that posted on  XX/XX/XXXX and I did not receive my {$50.00} statement credit. I really just want to get the miles and statement credit that were agreed to by both myself and American Express when I signed up for the card and American Express issued me the card. The customer service provided in the online chat feature and through the customer service number have provided no useful information on resolution steps or timeframe for resolution. Please help.
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Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be a fraud, see attached FTC Report. Moreover, no adequate information has been given, and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with XXXX XXXX in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly absurd and stupid. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with XXXX XXXX after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX 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 60 days 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 XXXX XXXX XXXX XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

Midland Funding, LLC is attem pting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. And a bill from a purchased debt is not a Contract.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) thi s action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports . Midland Funding, LLC are  in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Product: Vehicle loan or lease

Hello, I received a notice that my payment was backed up on a car loan thar i spoke to the bank and reported due to COVID they would push my payments back for three months. 
Today my credit report shows the bank reported 3 months of mis payment when my first payment is on XX/XX/XXXX. 
I asked to correct this and they told me to look for FTC and ask for help as the caught the error on their end and corrected it. 
Please help me or guide me in correcting this.
Product: Credit reporting, credit repair services, 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 under 15 USC 1681. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX Account : XXXX XXXXL XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account was closed due to 3rd party and account was never late due to the fair act
Product: Student loan

My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. 

Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX  from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX  XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX  and well over the 120 payments required for the PSLF program. 

I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX  XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX  and student loan repayment have been deemed arbitrary. 

Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education