23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm filling this ftc to report separate fraudulent account appearing in my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud .the fraudulent account try to open an account in my name to the due date following XX/XX/year> from Capital One NA this account have resulted in several fraudulent hard inquiries appearing in my credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit report activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

Applied for Wells Fargo Visa Signature Card on XXXX XX/XX/2022. Approved. But since then the card is not being sent at all. Called today. The customer service lady who picked up the phone call was laughing for no reasons. Asked to be connected to Escalation team and then talked to XXXX XXXX. She said that card was sent out yesterday only. Why in the world it's almost 18 days and the card is not being sent even after approved application?
Product: Debt collection

DELEV & ASSOCIATES , LLC violated my federally protected consumer rights. 

PER 15 U.S. Code 1692e states that the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

I have been receiving letters and phone calls from DELEV & ASSOCIATES , LLC in reference to a " DEBT '' from the University XXXX XXXX. Every time this company contacts me, I am distressed believing that I am going to have to go to court or even my wages garnished. This company has TAKEN my STATE OF OHIO tax refund for MUTLIPLE years to apply to this said " debt ''. 

The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

Im on XXXX XXXX I signed a forgiveness contract due to low income stating I will pay XXXX for student loans
Product: Mortgage

Received email and phone call from ServiceMac mortgage company. XXXX ( id XXXX ) phone XXXX requested mortgage payment info from past due account. He wanted me to mail my late payment to XXXX XXXX XXXX XXXX, GA XXXX. 

I reported the Spam to my email provider. I am very concerned that the person new my address and requested my Social Security number. I discontinued the call and called my current mortgage company to verify my payment was not late.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I have 2 late payments from XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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

please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Product: Debt collection

This complaint is about a request for personal information and a concern for identity theft. 

I received calls from XXXX on XX/XX/20, which my phone listed as potential spam. I answered and was told that the call was from a debt collection agency that was collecting a debt of {$100.00} from an energy company, asking me how I wanted to pay. I hung up and called the energy company ( I don't remember, it may have been XXXX XXXX ) and was told I needed the account number to check if I had an outstanding debt. 

I called the 855 number back, spoke to a different operator who gave me the name of the town I was living in at that time. He said he did not have the account number for the energy company. He asked for my current address and last four of the social, which I XXXX  gave him. He said he was going to follow-up and mail the billing information to me. 

I have not received a bill yet, although my mail is currently being forwarded to a temporary address. I am fairly sure that this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the Sheffield note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with Sheffield, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.
Product: Credit card or prepaid card

I am unclear on what the card benefits are on the XXXX XXXX
Product: Credit card

I had a Chase XXXX card for a few years. I called to close the account in XXXX. They told me the account was closed, and I destroyed the card. In XXXX they charged me an annual fee, and they just withdrew the fee amount from my checking account today. 

I called to complain. The customer service rep said she could not explain why the account was not closed in XXXX, though she saw that I requested to close it. She said there was no way to get the annual fee money refunded to me before XXXX. She said it would be refunded to my credit card account ( which is no longer in use ) in 2 billing cycles. I would have to periodically check the website to see if the refund posted, then file special paperwork with Chase to request that the balance in my account be sent by check to my house. 

Feels like a good system to skim extra fees off customers who aren't willing to put in extraordinary efforts to protect themselves and their money. I'm not sure if it's a pattern, but reporting in case it is.
Product: Payday loan, title loan, or personal loan

I received a mail offer from Mariner Finance. It was a live check for XXXX. I set up my account online and connected the account to my credit union XXXX XXXX XXXX XXXX. Their website was very buggy, that is -- - it didn't always work. I noticed the 1st payment came out XX/XX/XXXX already 15 days late but the electronic payment worked. Well the payment of XXXX was due on th XXXX. Next month I tried to pay on line again, and it appeared to go through. It did not " recognize or find my account '' even though I had completed an online payment. The payment never was returned so I did not know the haven't received the payment. They called and said make the payment you are late. I went back online and used the same account they had accepted before, to send them a Bank Check addressed to Mariner finance this was payable on XX/XX/XXXX. Later I found out that they only would accept cash ( debit card ) because of THIER website issues! I paid two payments on XX/XX/2022. 1 day after 30 days late which dropped my credit score XXXX points! They called and gave me hope that i could contest the late, but of course XXXX said it was correct. Please help me I am being punished for their payment issues, and they rejected my check! PLEASE HELP. Thank You
Product: Credit card

On XX/XX/year> a fraudulent charge of {$2400.00} was made under my name with XXXX XXXX. I have reported this to XXXX and XXXX an investigation has been conducted and confirmed that I did not purchase this with XXXX. 
I have send confirmations to Amex but there not responding.
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 the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX XXXX  XXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U. S. C 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 U. S. C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made contact with XXXX, Equifax and XXXX  and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Product: Mortgage

I asked for help via phone in XXXX due to my XXXX. Was told I would get a loss mitigation packet in the mail. They did not send it.

I called for one again, again it wasnt sent and this form was no longer available on their website. 

Called again in XXXX, was finally sent the packet and filled it out. Emailed it. 

Got a notification that my mortgage was being sold, however there was no actual sale because mortgage went from my mortgage company to my same mortgage company. 

In early XXXX I got a letter about my qualifying for a COVID assistance program and that Id get the details in 15 days. It is the end of XXXX and Ive still not heard back. When I called my lender it turns out they want me to be 90 days late before they will give any kind of answer, which guarantees I wont be able to use Covid assistance. Also they are required to give an answer within 30 to 45 days max. Which they have not done
Product: Checking or savings account

This is a follow up on XXXX. The Citibank claims that they have already closed my account and I should receive the my fund of {$200000.00} within XXXX  days from. It has been XXXX days now and I am still not receiving my money back. I was trying to contact their Citi XXXX XXXX XXXX but the problem is still not resolved. The last time I got the response from the Citi was that the fund will be returned to me within XXXX weeks on XX/XX/22 but it didn't happen.
Product: Credit reporting or other personal consumer reports

I have inquires hardened soft on may XXXX credit report. my information was breached and I have those inquires coming from XXXX XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them
Product: Checking or savings account

I contacted Discover in XXXX and XXXXXXXX XXXX XXXXXXXX to dispute all transactions made on my account for the time period of XX/XX/XXXX through account closure XX/XX/XXXX. Discover denied my dispute stating account consistent with account holder 's prior activity. However, I didn't make any transactions or authorize anyone else to utilize my account. I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and I am still on a ankle monitor on home confinement. I submitted proof of my incarceration but Discover still refuse to refund my money. How they arrived at their conclusion is inaccurate I was incarcerated and reviewing the transaction they were made in different state from where I reside. The transactions totaled over {$600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report.

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.
Product: Payday loan, title loan, or personal loan

I used my car title to borrow in XXXX from One Main Financial. This was for XXXX yrs. I recently paid them off ( XX/XX/XXXX ) they posted the check they got, released the XXXXien and sent to Dept of Rev for which I have received a title. 
Problem is this : I took out a 2nd lien on my home to pay off my debts thru XXXX XXXX. XXXX sent One Main {$3600.00} which was an overpayment in itself. They have refused to return the excess. 
My bal in XXXX was {$3400.00}, I paid {$200.00} early XXXX which was late and should have included a late pymt amt of {$10.00}. I didn't pay the fee because i knew they were getting the payoff check. So, my bal for XXXX should be at least {$3300.00} when the principal and interest was applied. 
I was paying ins for just in case I lost my job or was laid off, that was upfront fee.They took the {$3600.00}, charged an extra prin and int ( XXXX before applying the amt they got ) instead of applying the total amount to the bal due.They didn't give back the excess insurance amt but placed an additional charge again in order to use up the XXXX XXXX sent. I called and the mgr. was defensive still have not heard from them from XX/XX/XXXX.
Product: Checking or savings account

I have been getting rejected to lot of checking accounts and not giving me a reason why I shouldnt open an account can you please help me find out why Im unable to open an checking account, please help me so I can open an checking account i just came here to America I dont if I did something wrong or not and I heard about people scamming I dont if someone is been using my information or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act convergent accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 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 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Each year the escrow is not covered. They ask for thousands each year to cover. It is supposed to be automatically covered. Our mortgage went from XXXX to about to go to over 1k if we dont pay them another couple grand before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to XXXX account number : XXXX I am not liable for this account nor have any wear about this company. They have removed this account previously and has been reported again. Please remove immediately. Show steps that were taken to verify its mine. Including my signature and ID shown at time of account opening.
Product: Debt collection

Recently, I reviewed my XXXX credit report to learn that they're were 16 negative reports posted on my account that is affecting me credit score. When I reached to the debt collector about this problem they told me that the debt can not be corrected unless I was in the military or school during the 3 month period XXXX XXXX, XXXX, XXXX XXXX. 
First, I was unaware of this negative action since my other accounts had no reflection of 16 student loan account being in a negative status. 
Second, they told me that I did not call in to notify them to continue my financial hardship plan. I was not aware about this and I tried to get a permanent XXXX note from a doctor. 
Third, Does 3 months really have that much of an impact and can't this be corrected with some kind of adverse action? I also explain to them that all student loans should be in a positive status since there was a federal extension applied until the end of this year. 
I was furious about this matter and requested to speak with a supervisor for being penalized for 3 months. Why did Nelnet report 3 missed payments to the credit bureau 's when they never contacted me about this matter and since I tried to apply for a XXXX application those 3 months should have been forgiven. I was out of school for a period of 3 years until I re-enrolled the same year when the 3 months was reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform Experian that they are breaking the law by reporting this bankruptcy on my credit report. XXXX. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. XXXX you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 
XXXX. Name of the person you contacted, business address, and telephone numbers so that I may follow up. 
XXXX. How did you contact the furnisher and verify my information? 
XXXX. What paperwork you used to verify my information? 
I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. 
Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.