23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected or removed immediately : 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I open a new credit card with XXXX XXXX and attempted to transfer the balance of my USAA card to the XXXX XXXX card. It was taking weeks for USAA to receive the mailed check from XXXX XXXX. USAA rep told me he couldn't find the check anywhere and advised to have XXXX XXXX cancel or track down the check. XXXX XXXX canceled the check believing it was lost. A couple days after a no pay was put on the check USAA tried to cash it. I called USAA numerous times over the {$25.00} returned check fee and 3 times they told me to call back after statement had posted. Told me to call back today to get the fee waived and I was told there were notes concerning my previous calls about waiving the fee and the rep told me she tried to waive the fee but couldn't. Said the computer wouldn't allow it.
Product: Credit card or prepaid card

I had a Visa Credit Card issued by Capital One stating that it came with extended warranty protection as a benefit. 

I had an item break within the extended warranty period. I submitted for claims in timely manner and complied with instructions. 
The warranty is managed by a third party through Visa. 
The company did not respond to emails, a supervisor later told me over phone ( claim # XXXX, talked to XXXX ) that emails are not read, and that therefore information submitted via them does not count as submitted. I read back the auto-reply from emails that clearly states emails are reviewed and will be responded to. Because the submitted information was not read, the claim file was closed as incomplete. I called Capital One, the card issuer, to resolve this issue. After speaking with their contracted company, I was told that despite me having evidence that I responded to all emails in a timely matter, no further review would be made ( this was all with Capital One on the phone ). I was then told that Capital One was 'not responsible ' for the issue as it was an outside party that provided the insurance, despite advertising that the card carries such consumer protections. 

For reference the last employee I spoke to at Capital One was a supervisor named XXXX, employee ID # XXXX.
Product: Debt collection

On XX/XX/XXXX, XXXX a debt validation letter was sent to IC SYSYEM for three alleged debts for XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX. A CREDIT REPORTING REMOVAL letter was received XX/XX/XXXX stating that " they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account XXXX be deleted or removed ''. On two of three CREDIT REPORTING REMOVAL Documents that were sent one had my name spelled incorrectly as XXXX XXXX instead of XXXX XXXX that they appears on the other two documents. Shortly after receiving these documents IC SYSTEM was contacted at XXXX. I spoke to a agent who identified himself as XXXX or XXXX, who I then explained that document were received from your company stating a debt was to be removed, but my name was spelled incorrect. The agent puts me on hold to speak to his supervisor, and then comes back on the line, states that they will not send a corrected letter and then proceeds to try to collect on the debt in question of XXXX that in there own letter was admitted that they could not verify the debt. A argument erupts on the phone between myself and the agent, because of his refusal to correct the document that his company sent to me. Also to be noted the agent admitted that the document was a grammatical error, but refused to send a updated corrected version to me. The phone call ended after a few minutes of argumentative conversation with the agent saying I would receive a letter from them after I informed them that I would seek legal counsel if the matter is not corrected. Shortly after this XXXX, XXXX, XXXX  were contacted to obtain procedure for complaint against IC SYSTEM. Shortly after this CFPB was contacted to get directive on how to file a complaint.
Product: Debt collection

Last month I received notice I was being sued by Faloni Law Group, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX, for two XXXX XXXXXXXX credit cards. ON XX/XX/2024I sent a letter by certified mail to the Faloni Law Group indicating I would like to do a payment plan. I informed of my financial situation and offered amount that I would be able to pay every month. The law firm received my letter on XX/XX/2024. 
As of this date they have not to responded my letter. I sent a second letter by regular mail on XX/XX/2024. I do not understand how they can sue me and refuse to communicate with me Faloni Law Group : XXXX
Product: Credit card

I always make payment of my Apple Card in full using my phone on the due date. There is only XXXX bank account in my Apple Wallet. I have made payments in this manner and from this account from at least XX/XX/XXXX. I made a payment in this manner on XX/XX/XXXX. My phone showed that my payment was successful. I left on a business trip and had no reason to use my card again until I returned on XX/XX/XXXX. My card was denied when I attempted a purchase. I checked my email and saw that the payment was denied. The email showed that the issuer attempted to take the payment from an account ending in XXXX which is not the account in my Apple Wallet. Realizing there was an error by the issuer in processing the payment, on XX/XX/XXXX I made the paymentin the same manner as described above using the account in my Apple Wallet. This payment was successful. 

I called customer support on XX/XX/XXXX to explain what happened. I was advised that I had been charged {$92.00} in interest because of the late payment. I asked that the interest be waived because the failure to process the payment on time was the result of the issuer using the wrong account. On XX/XX/XXXX Customer Service told me there would no waiver because I used the wrong account. I asked to speak to a supervisor who said they would ask for a waiver based on the circumstances. After that call, I checked my Apple Wallet and confirmed there is only XXXX bank account linked to the wallet. I called back Customer Support and they confirmed there is only XXXX bank account in my Apple Wallet. They updated the notes on my file. I spoke with a supervisor again on XX/XX/XXXX who told me that they would not waive the interest. He agains asked for a review of the matter based on our discussion. On XX/XX/XXXX I was again told that the interest would not be waived. Before filing this complaint, I was told I could schedule a call to discuss the matter with a higher level. That call was scheduled for noon on XX/XX/XXXX. I have not yet had a call from the issuer. 

I have repeatedly asked the issuer for a written response on their position and how I could have made a payment from a bank account that is not in my Apple Wallet. I have never received anything in writing. The people I have spoken to have said they can not see any information on how a payment was made. I asked for contact information for someone who could confirm that information and was told that consumers can not contact the people with that information.
Product: Credit reporting or other personal consumer reports

Transunion use of faulty software resulted in an incorrect credit score being provided to lenders, which harmed my ability to secure credit on fair terms.

FCRA Violation : 15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy in all information provided by credit reporting agencies, including credit scores. 

XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : MEDICAL ) XXXX Date Opened : XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX - Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX {$2300.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$15000.00}
Product: Credit reporting or other personal consumer reports

ON XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX AND XXXX XXXX XXXXXXXX ON XXXX XXXX MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I was advised by employees at Equifax and XXXX to fill this out to remove the fraudulent and unauthorized inquiries from my credit report. Please remove them as I do not recognize them.
Product: Prepaid card

I have a RUSHCARD through XXXX. I dont have acess to my paycheck. My paycheck waa supposed to go on the card. I can not even get throught to RUSHCARD to have them reverse my money back to my employer to get a papercheck. I just got married and because my paycheck didnt get added to my card oN RUSHCARD end. I lost a weeks pay plus couldnt have a honey moon! Im not happy. I need that momey to live. Just like everyone else who they did this too. I 'm hoping you can help me. I need my paycheck.i 'm canceling this card once I can get through to a person. Can get through to either it rings and hangs up. Or just hangs up. Ive been without pay simce XXXX XXXX. Please help me get justoce against this RUSHCARD!!
Product: Credit reporting or other personal consumer reports

I am writing you with this formal objection to the information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/investigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting. 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably complaint with XXXX reporting standards, you are in violation of the required permission to report a single aspect of notation of any alleged accounts, much less a public records that was not even reported to you by the alleged Court of Records. I formally contest the portability of the alleged Public Records. Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed XX/XX/year> Reference XXXX Closing date XX/XX/year> This Public Records item is deficient ad reported, and Per Federal reporting regulations all claims Must be to the maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX FORMAT compliance since, per the XXXX, DNP XXXX Any deviation from these standards jeopardized the integrity of the data. Unfortunately, it appears that you do not have reasonable procedure in place to assume accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Checking or savings account

On XX/XX/year> I received 2 emails and 1 text message from Chime regarding my 'new account ' with them. I never set up any sort of checking account or any other type of financial account with them. I contacted them and requested that they close the account immediately. They originally told me they would close it in 7 days ( even after I told them it was fraudulently set up! ) but after pushing back and telling them it needed to be closed ASAP, they complied and completed my request. I received notification that it was closed. 
When I contacted them, all I had to do was provide my full name and date of birth and they were able to pull up my account. They asked for the last four digits of my SSN but I did not provide that due to the fraudulent nature of this issue. But they had my full name, DOB, email address, phone number and mailing address. None of which I ever provided them. I also received a debit card to my home for this new account. Again, never opened up an account with Chime/XXXX XXXXXXXX XXXX XXXX 
So, either someone used my identity to set up a new bank account. Or, Chime fraudulently set this up themselves in an attempt to lure me in as a customer.
Product: Vehicle loan or lease

Key Bank auto loan. 

I have made several attempts to pay my loan over the phone and by mail. They are saying it takes so many business days to process. This has been going on for 2 months of me trying to pay my loan and no payment has been credited to my account. Yet the keep calling me at my work phone which I told them multiple times not too.
Product: Debt collection

First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.
Product: Credit reporting or other personal consumer reports

per 15 usc 1681 a ( 2 ) ( I ) report containing information soley as to transactions or experiences between the consumer and the person making the report.

section.4021. credit protection during covid-198 ( F ) banking, fininail where expected to accommodtion to defer payments and provide assistance this company can not report this information with out my consent and signture its agaist the law please see attachments of USC laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion multiply different letter requesting to remove address and employee information that no longer applied to update my accurate information. The first letter that I sent asking to update my personal information instead they pulled my credit report and sent me my credit report through the mail and now there is inquiry on my credit report and I did not request my credit report to be pulled. I have a copy of my report that they sent me. I resent two more requesting the same update and I sent my photo ID and Social number that was attached and they sent me a letter saying that I need to send in prove for authorization of third party but I'm not working with third party I solo request this update and I'm not working with anyone. I have copies of the letter that I sent to them through mail.
Product: Payday loan, title loan, or personal loan

Avant is reporting an amount on my credit reports of around {$6800.00} plus interest for several years now, exact amount is now available to me at this time. The funds were never received, deposited to an account which is not mine. Regardless, Avant is attempting to collect on debt by reporting amount plus interest. This loan appears to have been applied for online in which case, documents were signed electronically and there is no proof of actual signature in which case, Avant has little to no proof I agreed to any terms of loan which as stated prior, was not received.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

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 USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything XXXX dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

Equifax, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, XXXX and Equifax to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Product: Credit card or prepaid card

Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!
Product: Mortgage

On XX/XX/XXXX we notarized with a notary our USDA Mortgage Recovery Advance Document package. In this package which i can provide a copy showing the dates on the document that state our next payment due date is XX/XX/XXXX in the amount of {$1800.00} and the USDA Mortgage Recovery Advance amount is {$16000.00} which cover our payments from XX/XX/XXXX to XX/XX/XXXX. Principal and interest in the amount of {$15000.00}. Escrow Advance in the amount of {$4900.00}. Suspense Funds credit to interest/and or Advances in the amount of {$3200.00}. The Mortgage company received these notarized documents on XX/XX/XXXX @ XXXXXXXX XXXX. I contacted Freedom Mortgage on XX/XX/XXXX and spoke to XXXX XXXX XXXX number XXXX to see why we are still showing past due and our modification not taking effect. She advised our paperwork was wrong, and I needed to make our XXXX payment even though it clearly states on our paperwork that our next payment us due XX/XX/XXXX. I asked several times for clarification on this only to be advised it was an error on the paperwork and we would have to start this process over again and resign our documents even though this was their error. To date my Mortgage still shows loss mitigation even though we notarized documents and made the XXXX payment of {$1800.00} which according to our paperwork was already covered in our Recovery program. I need help with this. We can not get a straight answer and we have done everything we are supposed to do to get back on track.
Product: Debt collection

THE DEBT WAS CLEARED BY MY EX GIRLFRIEND THRU HER BANKRUPTCY.
Product: Checking or savings account

I had tried to cash a check for my sister by endorsing it to myself and it went through but bounced due to the first name being different. I had no problem with this. I tried to deposit a money order I paid for myself and had my account locked for over a week now. Unable to access my money or anything. If my account can't be unlocked then close it. I need my money for everyday life.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 on my account to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In my recent credit report, Experian has incorrect crucial information about me. For instance, they have two social security numbers, and one of them does not belong to me. Additionally, there are XXXX different names associated with my profile, and only one is correct. This is impacting my credit to the extent that a collection company called XXXX XXXX XXXX is demanding payment for an account that does not belong to me. 

The social security number ending in XXXX appears to belong to my deceased father, named XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX, and my social security number ends in XXXX. 

Attached is my credit report with the incorrect details highlighted in red.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave authorization to this company to run my credit.I have asked on numerous occasions for this to be taken care of and nothing has happened