23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was falling behind on my bills and reaching out to each creditors to enroll in a program to avoid damage to my account and credit reporting. I enrolled both Discover accounts on XX/XX/25. I was offered a new payment amount for the next few months to get through the hardship. I was alerted that my accounts were reported as delinquent and called to find out how it happened. The representative was wonderful. She did say that the payments offered came through but they werent enough to address the past due. The issue for me is that one account was a XXXX payment but it really should have been XXXX to avoid reporting. Since I didnt come up with the offered terms myself, I find this to be a little misleading. I certain would have increased my payment to avoid negative reporting.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/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

Company violated various US codes by reporting unverified debt by XXXX XXXX. I have not ever had any business with that company. No contracts or agreements were ever established to warrant a collection reporting on my credit report from XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I have paid for gas in XXXX near XXXX at the gas station {$30.00}, however at the credit card statement I found another transaction made at the same date and time amount of {$370.00} which I have not made and have not authorized. After investigation Chase Bank declined to consider second transaction as fraud and rebilled the full amount of {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has purposely tried to destroy my credit worthiness by not adding positive accounts on my credit profile. They are constantly violating FCRA guidelines and when I address them about their violations they replied by saying they don't care about FCRA and They will continue to violate the FCRA. 

I have positive accounts from other credit reporting agency but those were not posted on Equifax 's credit profile that I have attached. 

Equifax is displaying biased and unfair practices towards me. Furthermore I never agreed to a contract with them to Share my personal and private information with anyone. That is violation alone by its self. I have attached the violations and exhibits below to validate my complaint. 

EXHIBIT A- VIOLATION 15 USC 1681 ( 1 ) ( 2 ) EXHIBIT B- VIOLATION 15USC 1681 EXHIBIT C- VIOLATION 15USC 1681 ( a ) ( 1 ) EXHIBIT D- VIOLATION 15 USC 1681 ( a ) ( 2 )
Product: Checking or savings account

Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you. 

I am trying to temporarily lift my credit freeze with the three rating agencies in the US ( Equifax, XXXX, and XXXX  ). I was easily able to lift the credit freezes with  XXXX  and XXXX  using their online systems. 

My complaint is with Equifax. I can not access my account online, even after I reset my password, and received this message online : 'Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '. See my attachment. 

I called that number and provided all sorts of personal information and then the call ends with the computer voice saying no one can help you at this time. Then my banker gave me another phone for Equifax, XXXX XXXX XXXX and I have called that number five times and each time after going through the menu it just rings and rings and no answer and the call is cut off. 

I searched online for reviews of Equifax and others experience the same things, delays can't get through, comments about the company now using overseas call centers for our data??!!! I am EXTREMELY CONCERNED that this company continues to fail even after the data breach of XX/XX/2017. The government needs to step in and shut this company down or see what is going on because it is not working and if this is the experience from the consumer interface on the outside, then I can only wonder what is going on the inside and the risk of another breach. 

Please let me know you received this complaint about a hugely important matter to consumers and the US economy. I can not get a loan without all three companies lifting the freeze and Equifax is holding it all up due to incompetence or worse. 

Thank you AL
Product: Debt collection

I called earlier on in the day because I had XXXX copies of a bill. One from the original company, XXXX XXXX, and one from the debt collector. When I called I joked with the woman about the amount, {$6.00}, and she commented that she's seen much less. I asked her if I paid the original company ( which I submitted payment to prior to calling ) what would happen, and she said that they'd send them a letter confirming payment. 

Later on in the day I get an email saying that the statement was out of range and they were refunding me because it had already gone to collections, so I again called the debt collector, Advantage Financial Services, and a gentleman pics up. I explain the situation and how I'd like to pay the {$6.00}. He then tells me that is a higher amount and I ask him why, explaining that I spoke with someone this morning. He then proceeds to tell me that the person I talked to this morning told me that amount too, which was incorrect. He then started speaking to me very rudely and accusing me essentially of not being honest when saying I wasn't told. I asked him why he was speaking to me so rudely and asked to be transferred to someone else. He says I'm the only one available. I asked him to speak to a manager, he told me he's a supervisor. I asked him to have a manager call me and he said " I won't do that ''. He then proceeded to hang up on me. I attempted to call back, he answered, and it was the same. 

I asked him how he could speak that way as his job is customer service ( he's the one answering calls ) and he told me his job is not in customer service ... and then proceeded to hang up on me again.

I have one bill that has no statement date that shows me a balance of {$6.00}. I have no follow up statements or attempts of contact. I have no idea how long they've had this debt, they say I owe interest but there is no financial transparency. 

Without a statement date and record, adding and charging interest does not seem ethical. I called with the intent to pay my debt and was met with rudeness, hanging up in my face, told the bill was higher, amongst others.
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 name : XXXX XXXX # XXXX, XXXX XXXX OF XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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. 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: Credit reporting or other personal consumer reports

I wrote to the XXXX  bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to XXXX or other credit entities. 

I also sent 3 dispute letters to XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent XXXX a letter documentation of contacting XXXX  directly inquiring about their records, but received no response. 

XXXX responded claiming the information came from XXXX, despite XXXX XXXX failure to validate or deny the report to you directly as the natural person creditor. 
XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX and XXXX ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.
Product: Checking or savings account

BBVA USA owned Simple Bank. On Friday evening ( XX/XX/2021 ) BBVA USA converted Simple users to BBVA, however, the conversion went horribly wrong. Thousands, if not all, Simple customers, including me, were locked out of their accounts and unable to complete the conversion and set up access to BBVA. 

Thus far, BBVA has sent out no emails to their customers about the problems and what they are doing to correct them. The only means of communication they are using, that I'm aware of, is XXXX. 

Although they have extended their support hours it is still almost impossible to contact them. I have been trying since last Saturday and at some point, each of those calls was disconnected. 

BBVA states that all pre-set transactions are still working and that the Simple debit cards still work at their network of ATMs. However, the only ATM within a reasonable distance of my house is out of order, so I will have to drive miles to an ATM to check my balance and see if any deposits have arrived in my account. 

BBVA 's response to this fiasco has been woefully inadequate. 5 days in and most customers are still without access to their accounts and their customer support systems are still not up to the job.
Product: Debt collection

I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times,  offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections, hard inquiries, and personal information. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card with American Express in XX/XX/XXXX after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was 0 and the account was closed American Express has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.
Product: Credit reporting or other personal consumer reports

I would like to request reconsideration regarding a XXXX late payment reported in XX/XX/XXXX and XX/XX/XXXX on my account with Barclays Bank Delaware XXXX These delays were due to unexpected health issues, which temporarily impacted my ability to make payments on time. 

I have since made sure my account remains in good standing and have set up automatic payments to prevent a similar occurrence in the future. My overall credit history reflects responsible financial behavior and these late payments were isolated incidents. 

For this reason, I contacted Barclays Bank Delaware to request that they consider removing these late payment records as a goodwill adjustment as they do not accurately represent my financial responsibility.
Product: Debt collection

I have talked to a collection agency twice today and they just called me a third time asking for a payment even after I told them I didnt agree with the amount they are saying is due
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( XXXX, Experian and XXXX ) consumer reports and noticed that it is reporting my experience with XXXX XXXX  I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( XXXX ) on the following date ( XXXX ) : Account # XXXX last reported XX/XX/2024 Account # XXXX last reported XX/XX/2024 This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXXXXXX XXXX  ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXXXXXX XXXX XXXX making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

XXXX, XXXX, Experian and XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
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 name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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. 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: Credit card

After making arrangements with other cards ; I went to the account that I hv filed regarding both Capital One cards ( XXXX ) with you already. I saw that Capital One has not responded yet. After calling them on XXXX XXXX, XXXX and speaking to XXXX ( Collections Manager in Virginia ) did not respond to allow my account to be charged off. Let me explain : I spoke to XXXX in the collections to set up payment arrangements and she documented my account and stated I can pay {$20.00} month starting on XXXX XXXX, XXXX via mail, bill pay, XXXX XXXX, or XXXX. I was transferred to XXXX ( Collections Manager ) to speak about why they have not responded on here. XXXX saw the notes on my account to set up a payment arrangement and he stated that if I did not pay {$25.00} in eights days ; the account will be charged off. I explained I already set up payment arrangements in this department with XXXX and he stated I am unable to wait until XXXX XXXX. I explained to him that I called Capital One starting in XXXX XXXX, I mailed a letter XXXX XXXX, XXXX and Capital One has yet to enroll me in a hardship program like I asked. I explained to him that I could mail {$20.00} preferably but I can mail {$25.00} on XXXX XXXX, XXXX. XXXX stated my payment wo n't make it in time and the account will be charged off. I am requesting your department to investigate Capital One for purposely not enrolling me in a hardship program ( which would have allowed me to make low montly payments, prevented my account from being charged off, and I would have been on a regular monthly payment plan to pay off my cards ) I am also requesting that your office investigate Capital One for not responding to my original complaint ( Case number : XXXX ) so that my account can go in charge off status to lower my credit score. Capital One did this out of retaliation because I filed with you. They should not be allowed to prevent any consumer to make payment arrangements under hardship reasons ( I would qualify ) especially when I called before it was delinquent. When I called Capital One ; I was less than 2 months late.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX XXXX XXXX  XXXX, USBank RE : XXXX XXXX XXXX XXXX Dear XXXX XXXX : My business was started just as COVID-19 struck us in XXXX of XXXX. 
The equipment I leased in XX/XX/XXXX was sitting in the warehouse of XXXX XXXX. It was installed in XXXX of XXXX, and according to the terms of the Lease, I was to get XXXX months grace period after installation not from the date of signing the agreement. The Dental office was immediately shut down until XX/XX/XXXX. We had no business and no income! 
I never got the XXXX months of grace period after the installation of the equipment. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX demanded payments immediately in the middle of the Pandemic. XXXX XXXX unfairly listed me as a high-risk defaulter when in fact I have enough asset to back up the loan. 
During Covid-19 Pandemic, XXXX XXXX was supposed to work with me and provide me with all the options to get relief, reduce payments and or postpone payments. He transferred the loan to USBank so so he could hide his mistakes and deny me a fair deal moving forward. 
During the second wave of COVID-19, My office was again closed between XXXX and XXXX except for a few emergency visits. I was unable to conduct business as usual. I had Pandemic related financial hardship and desperately needed and deserved additional Covid-19 relief. I had the right to request additional forbearance for at least 180 days. Based on the COVID-19 relief offered by the government, I had requested additional relief based on the medical emergency with myself and my family As a XXXX XXXX XXXX during the midst of COVID-19, you should have been more understanding and strived to help me recover and get back on track. 
Good Lenders are always willing to work with their clients to resolve the situation. As a good commercial lender, you were required to work with me and inform me about all my options during the COVID-19 before slapping me with property insurance charges and late charges. I complied with the USBanks requests and provided all the documents you requested and made payments as was arranged despite the Pandemic hardship that we are facing to this day. 
This information on Insurance charges and late charges was not disclosed to me from the beginning of the loan. Please take off these unfair late charges and property insurance charges when in fact I have had the XXXX XXXX for business property for the entire office and equipment since XX/XX/XXXX. 
Your equipment has never been uninsured since it was installed in XX/XX/XXXX I was shocked to learn it had late charges and legal fees added to the account without informing me. I had requested COVID-19 relief to make partial payments as is provided by Federal Law.

I am kindly requesting that the ALL-late charges and the Insurance property charges be removed from my account, and I am willing to pay off the entire balance. 
Please send me a final pay off bill. 
Thanking you, Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies Equifax, XXXX, XXXX and I was not able to get any assistance.
Product: Debt collection

XXXX opened an account in my name they didn't verify if I was the person nor did they ask for identification, my name etc was spelled incorrectly and I wasn't ever associated with the address, my cousin called paid account in full amd they said they sent for the bureaus to update report also be removed but yet they are still reporting and not updated by transunion accurately