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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.

I do not recognize XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and notice an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies needs to report all information with complete accuracy. This account has not been late on payments, I've attached of my credit report to this complaint on the following dates ( XX/XX/scrub>/2024 ) I am now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I wanted to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my order was canceled on the same day. I was told I would not be charged. The reason for the cancellation was that the XXXX in which I was supposed to take the XXXX XXXX. I was charged XXXX on XX/XX/year>. I called the merchant, and he promised to refund it. This, of course, did not happen. I tried resolving this with my bank ( Ally ), but they said the merchant refused to refund. I waited over XXXX XXXX for my bank to say this. I have both screenshots and a voicemail. This is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXX
Product: Debt collection

They woke me up today, on a Sunday, called back to back.
Product: Debt collection

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.
Product: Credit card

I have a service for expirian and he sent me a notice that have my credit user go up. I login and I fine a credit card for US bank State Farm is used for {$4300.00}. I call to US bank and report the fraud problem the purchase was made in XX/XX/XXXX and XX/XX/XXXX ( I have the card for more the 4 years and I never active and never used ) He toll me that I have a credit the {$970.00} and respond that credit do not my ether. I received the balance for XX/XX/XXXX with the purchases take out and for a credit ( that no is my ). I received a new balance for XXXX with all the purchase again for {$3300.00}. I call and he toll me that they contact the commerce and i need pay the bill, and If I had a police report. I go and make a police report and fax to US bank for the reopen a case. He never send nothing again. 
Yesterday I received a email tell me that I have my bill past Due. I call and now my balance go up because he charge me interest and penalties.
Product: Mortgage

The Notice of Default was issued in error. Please see timeline below : 1. Notice of Pre-Foreclosure Options Letter ( sent out by the lender ) datedXX/XX/XXXX borrowers requested the meet & confer via letter dated XX/XX/XXXX 2. Email XX/XX/XXXX from Lender to Attorney that the borrowers requested a meet and confer a. Response from Attorney to Lender requesting approval of fees in the amount of {$350.00} to prepare and attend the meeting 3. Email XX/XX/XXXX from Lender to Attorney needs a few explanations/clarification but based on financials, borrowers will qualify for a 5 month repayment plan 4. Meet & confer held via phoneXX/XX/XXXX, additional documents/clarifications were needed. Email from attorneys office listed it as a mediation meet and confer. Under the Washington State Foreclosure Fairness Act, there is no such thing as a mediation meet and confer. These are two separate meetings. 5. On XX/XX/XXXXborrowers submitted the missing documents/clarifications to lender and previous housing counselor per the meet and confer 6. Notice of Default issued datedXX/XX/XXXX the box checked on the Foreclosure Loss Mitigation Form was that the borrowers DID NOT request a meeting per the above, that is incorrect. 7. Mediation was requested on XX/XX/XXXX per the issuance of the Notice of Default 8. It is our understanding that per RCW 61.24.031 under 1 ( c ) Section IV 90 days AFTER the date of the Notice of Pre-Foreclosure Options Letter is when a Notice of Default can be issued, which means the earliest the Notice of Default could have been issued would have beenXX/XX/XXXX. The Notice of Default was issued prematurely and therefore there should be no fees. There was a review/decision made back on XX/XX/XXXX pending additional documents. Our understanding of the CFPB guidelines is that the lender can not move forward with the foreclosure if there is a pending review. 9. EmailXX/XX/XXXX from borrower that she had called in the payment for {$2900.00} and was told she needed to pay {$3100.00} to cover part of the lawyer fees this contradicts the repayment plan. a. EmailXX/XX/XXXX to attorney asking to advise why the borrowers are being charged for attorney fees b. EmailXX/XX/XXXX from attorney stating that if they had a meet and confer then they were in the beginning of foreclosure. So I suspect there are some fees. c. Responded back that there should not have been any attorney fees was a meet and confer per the Notice of Pre-Foreclosure Options Letter that was sent out by the lender. 10. Email receivedXX/XX/XXXX from Attorney office that borrowers were approved for a repayment plan ( letter dated XX/XX/XXXX ) and the first payment had been made wanted to know if we wanted to stay in mediation through the plan. Advised we want to stay in mediation to address the request at the meet and confer for attorney fees to be paid by the borrowers. 11. The borrower called in to make the first payment onXX/XX/XXXX, lender took payment of {$3000.00} which violates the repayment plan. Per the plan, the payment was supposed to be {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : 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 XXXXXXXX
Product: Credit card

Today XX/XX/XXXX read 2 email that were sent yesterday XX/XX/XXXX maybe late at night That I request a new credit card and that has been approved and that I open the mobile app with that card.
Product: Debt collection

I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt.
Product: Debt collection

The company is a collection agency but I informed them that this was a debt from a XXXX worker who didnt turn my equipment in. Instead had cable at my address in there name. I reported to there fraud department I thought this was taken care of because I have XXXX still they had to create me another account
Product: Credit card or prepaid card

In XXXX, i applied fro and received a " XXXX XXXX '' Barclays Mastercard branded by XXXX XXXX. I have a Ietter from Card Services of Barclays Bank Delaware acknowledging receipt of my application dated XX/XX/XXXX. 

I canceled this account in XXXX. However Barclays subsequently simply changed the account to their own branded account and have been charging me an annual fee of XXXX dollars ( {$39.00} USD ) ever since. This despite the fact that the last physical credit card they sent me carries an expiration date of XX/XX/XXXX printed on the front, remains attached to its issuing paper and has never been activated. 

BarclaycardUS collected latest annual {$39.00} fee by direct withdrawal from my bank checking joint account on XX/XX/XXXX, according to my bank statement. 

I never asked for nor applied fro a Barclaycard account except as described above, and believe that this continued abuse represents the same kind of false and unauthorized account creation seen at XXXX XXXX over the last few years. 

My attempt to pursue this matter directly with BarclaysUS through their website today failed because BarclaysUS does not even recognize my credentials to log on to the site.
Product: Debt collection

I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX    XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} USDOE XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} DPT ED XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Debt collection

On XXXX XXXX I was served at home by a process server at my home here in XXXX, FL. The company that is trying to sue me is Resurgent- LVNV Funding LLC they were hired by XXXX XXXX Credit Card . 
That same day I went on XXXX XXXX and XXXX XXXX XXXX XXXX and retrieved the copy of my credit report from all XXXX bureaus. 
In the report on all XXXX bureaus I was alarmed to see the creditor LVNV is shown on my credit report XXXX times for the following amounts. 
{$1400.00}, {$720.00}, {$380.00}, {$1200.00}. 
On XX/XX/XXXX I sent the company a letter of debt validation. 
On XX/XX/XXXX I received a letter back only validating {$720.00} however the amount was not correct as well as the tenure I had on the credit card with them .This debt collector had counsel and there attorney is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX. 
That was there attorney and it was on the court docket but when I sent them the letter they responded directly to me not with there counsel. Today I had court and they advised me they violated under FCBA because they were suppose to go through the attorney and not them directly when the letter was sent back. I would like to report this company for mis information, wrong amounts owed and accounts that I haver no knowledge of. I need it deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

I look at all 3 credit bureaus especially Experian it doesnt show my XXXX credit card on time payments and also the amount of the credit card. Can you please update all credit bureaus to show paid on time and credit limit amount of all 3 credit bureaus for XXXX credit card Experian, XXXX and XXXX? Thank you very much for your time. Have a wonderful day and please be safe.
Product: Credit reporting or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of an identity theft. In reviewing my credit report, there was a hard inquiry with Equifax on XX/XX/XXXX by the XXXX XXXX XXXX I filed a dispute with Equifax late on the night of XX/XX/XXXX telling them that it was a fraudulent inquiry. Immediately afterwards, I called the XXXX XXXX XXXX they advised me that the party that ordered the inquiry was XXXX XXXX XXXX of Oregon. I then called XXXX on XX/XX/XXXX immediately afterwards and the office was closed. Several hours later, I got a communication from Equifax that their investigation was closed and that they determined that it was a legitimate request and that they would not remove it for 2 years. How could they have investigated the inquiry with XXXX XXXX XXXX if they were closed during the time that they were supposedly investigating? On XX/XX/XXXX, I called XXXX and spoke to 3 different customer services people, including the Fraud Department. According to them, they never made a credit inquiry as they had no record of it despite several people investigating. They suggested that I contact Equifax who already predetermined incorrectly that their information was accurate. There is inaccurate information on my credit report that Equifax refuses to remove even though they did an inadequate investigation of my dispute.
Product: Debt collection

No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  2. XX/XX/XXXX
Product: Student loan

I have been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.
Product: Money transfer, virtual currency, or money service

Starting XXXX XXXX XXXX Robinhood ( invesrnent/stock app ) took it upon themselves to lock my Robinhood account stating they needed to confirm my identity. I supplied all necessary documents and as of today no money. Countless emails corresponding with Robinhood, trying to get access to my money. My direct deposit from my employer went through Robinhood. XXXXXXXX XXXX received email from Robinhood stating a final decision was made and my account would be closed and my money will be deposited. Today XX/XX/, I've received that exact email 5 times. Every transfer I attempt is rejected. I've had to sell off my property to stay afloat. My family is suffering and I need my money.
Product: Credit card

I have credit card with total visa I've had this account 4years an 10 months. I have had a excellent payment from day one XX/XX/2024 I had a XXXX XXXX was in hospital 2 weeks an out of work two months. For the first time ever I was one month late a XXXX XXXX payment I did not receive any notice of any kind from total visa they reported to all 3 credit serous. My score went from XXXX to XXXX in a matter of a few minutes I contacted total explained I just had a medical issue I've never been late not one time an it was XXXX XXXX  for one month would you please give me good will this will never happen again I paid the one payment I was late on an the next month to the representing I talked to I could barely understand XXXX lied an said there was nothing they could do put me on hold come back I said by law I'm trying to ask you for help first your the company that reported this late payment. He then said total visa did not report this to the credit serous an they could not help. This is the first time I've been late it was only one month I paid it befor I ask for help until this I had excellent payment history I'm self employed. This not only destroyed my life my credit all so my business of 37 years over XXXX. XXXX dollar payment I could not help this medical emergency it seems the American public does not have any rites any more I try my best to do the rite thing in every situation I'm XXXX XXXX XXXX an now won't be able to support my self I loose my home an ever thing I've worked for all my life because some XXXX XXXX  can't understand what I'm saying an does not know credit laws