23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I was assessed a {$27.00} late fee. I did not realize I was late because a trial subscription I had cancelled with XXXX XXXX kept billing for XXXX cycles. I immediately paid my bill. I am a teacher with a low income and also a loyal XXXX year card holder of AMEX including personal and business credit cards along with savings accounts. I got XXXX during the first week of school and neglected checking my accounts for any action items needed to pay. I have never made a late payment in my XXXX year history with AMEX nor in my history with any other card issuer. I contact customer service and kindly asked for a one-time courtesy late fee reversal considering my long history with the bank. A woman on XXXX told me she could not reverse it until after the statement was closed so I called back today, the statement closed yesterday, and XXXX different XXXX representatives said nothing could be done and denied reversal. This is the opposite of what the XXXX rep told me on the phone on Wednesday and goes against the goodwill nature of my 10 year relationship with AMEX. All I am asking for is a XXXX time courtesy late fee removal and it will never happen again on my end. I will also enable autopay on all my accounts as a preventative measure. Thank you in advance for your consideration.
Product: Consumer Loan

Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through
Product: Debt collection

Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification
Product: Debt collection

Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.
Product: Credit reporting or other personal consumer reports

I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 

I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 

Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA.

Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 

I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$4100.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXXDate Opened : XX/XX/2021 Balance Owed : {$760.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$370.00} ;
Product: Checking or savings account

Good morning! 

We signed up with Capital One 's XXXX High Performance Savings as they offered a promotion where if you move {$20000.00} and kept it there for XXXX  days, you would receive a {$1500.00} interest bonus. Today, we got our interest bonus and it was only {$300.00}. They stated that it was a tiered offer where if you deposited {$100000.00} then you got the {$1500.00}, but that is not what was on the page when we signed up. There was no mention of a tiered offer neither in the fine print, nor the main page. Basically, I believe they are trying to get out of paying the full bonus. What's interesting to me is that XXXX is suing Capital One right now for shady interest practices. 

Thanks!
Product: Debt collection

I XXXX XXXX XXXX MADE A CALL TO THIS COLLECTION AGENCY REGARDING A DEBT OWED IN THE AMOUNT OF XXXX IHAD SPOKEN WITH A GENTELMENT WHO WAS EXTREAMLY RUDE I EXPLAINED TO HIM THAT THE ADRESS ON THE LETTER WAS WRITENT IN TWO DIFFERENT WAYS.. 

THE REPRESEBTATIVE SAID I DONT CARE, .. HE KEPT STATING ARE YOU GOING TO PAY THIS DEBT YES OR NO I SAID IS THAT HOWXYOU TREAT THE PATIENT THAT OWES THE DEBT, I ASKED FOR VALIDATION OF THE DEBT AND FOR A MANAGER .. HE HUNGED UP ON ME
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, Trans Union and XXXX have refused to do update this account.

I am requesting that Trans Union and XXXX update this account to reflect a balance of XXXX   since the account has been settled and nothing is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I have tried to sign into my account, I received the message, Contact Please give us a call. We cant complete your request at this time. Please call the Customer Care team XXXX ( XXXX ). '' Ive tried to access my online account for several months. I have continuedly and tirelessly contacted the customer service line. 

Every time Ive called, I am told that it will be escalated. However, I never received any updates or confirmation. In the conversation with a representative prior to today, Monday, XX/XX/, I was told the best solution was to delete my account entirely and sign up again after ten business days. The rep. explained that they had put in a request to delete my account. Again, receiving the exact same message when attempting to log on. 

XX/XX/XXXX  Ticket number : XXXX XX/XX/XXXX  Ticket number : XXXX Today, I waited on hold for a supervisor for one hour, which I found is not uncommon. The conversation began and ended similarly : my concerns would be escalated and prioritized. The supervisor also stated that they did NOT have seen other ticket numbers, but later stated that they only found one other ticket number. The rep told me I should receive an email update within ten business days. I also requested everything in writing. 

Todays phone call took one hour and sixteen minutes to receive no new information, no solutions, or resolutions, just empty promises and the same responses that they are unsure why I can not log into my account, and it shows that my account works fine on their end. 

This problem has hindered me financially, as I have been unable to see or dispute disparities on my credit report. This particular Credit Bureau continues to show a drastic decline, and I do not know why. This process has been draining, unsettling, and confusing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Account # XXXX is reporting inaccurate information.

FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following t
he Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate.

pls remove or delete account
Product: Mortgage

XXXX Mortgage Loan " Home Affordable Modification Program ( HAMP ) Agreement '' in place since, XX/XX/XXXX was Transferred to MR. COOPER AKA NATIONSTAR on, XX/XX/XXXX.

Ive contacted MR. COOPER AKA NATIONSTAR a Total of 27 XS ( between Calls ; the MESSAGE CENTER ; EMAIL 'S ; FAXES & US MAIL with, EVERY one of these Contacts Ive SUBMITTED OVER 80 Pages of DOCUMENTATION dating back to XX/XX/XXXX ) since, XX/XX/XXXX in ATTEMPTS to gain assistance d/t the MULTITUDE of PAYMENT REVERSALS/FEES CHARGED/ LATE CHARGES/ PROPERTY INSPECTION FEES ( My Account was PAID TO DATE on XX/XX/XXXX Nationstar Statement & by, XX/XX/XXXXMr. Cooper Statement Mr. Cooper had me listed with, Overdue Payment of {$1000.00} & were Assessing these Charges to My Account ) then, on XX/XX/XXXX with, no explanation they stopped taking my Monthly Payments that, have been AUTO-DEBITED since, XX/XX/XXXX. It was VERIFIED by, XXXX XXXX XXXX via a 3-way Call on XX/XX/XXXXbetween Myself, Nationstar/Mr. Cooper Customer Service Center & XXXX XXXX XXXX that, Nationstar/Mr. Cooper have been RECEIVING Payments on or about the XXXX of the Month with, NO PAYMENT REVERSALS on XXXX XXXX XXXX end ).

All I get in return from, Contacts made are MULTIPLE Letters/Emails stating They received my correspondence ; take all matters seriously & are in the process of reviewing concerns then, NOTHING IS DONE to CORRECT there Errors in Regards to my " On-Time '' Monthly Payments & there " FAILURE '' ( upon my Loan Transfer from, XXXX ) to Honor my Home Affordable Modification Program ( HAMP ) Agreement in which, I have had in place since, XX/XX/XXXX without ANY ISSUE 'S ( i.e. Late Payments, Threats of DEFAULT, etc.. ) as, EVERY PAYMENT was PAID " ON TIME '' by, AUTO DEBIT & I was RECEIVING the INCENTIVES for making these payments until, Mr. Cooper AKA Nationstar became involved with, there Unethical Business Practices ; " FAILURE '' to Respond to Inquiries/Correct Mistakes theyve made then, they INTENTIONALLY STOP taking my MONTHLY Payments as, Set-up by, Auto Debit & now are Threatening me with, DEFAULT! I've made by, U.S. Mail & Online all 4 Payments ( XX/XX/XXXX. ; XX/XX/XXXX. ; XX/XX/XXXX & XX/XX/XXXX ) since, they stopped by, Auto-Pay. I was Eligible & to receive an " XXXX {$5000.00} incentive in XX/XX/XXXX '' that, I completed Paperwork for with, XXXX  & MR. COOPER AKA NATIONSTAR are in possession of but, are now stating " Your loan exceeded 90 days past due. Therefore, you are no longer eligible to receive Pay for Performance incentives under the Making Home Affordable Modification Program '' which, I believe with, No doubt that, they intentional failed to respond to complaints since, XX/XX/XXXX & stopped my Auto-Pay to avoid my receipt of this {$5000.00} incentive.

I have NEVER missed a Payment since, having my Home Built in XX/XX/XXXX& the treatment I've received d/t there Unethical Business Practices since, XXXX   Mortgage Loan Transfer has been absolutely disgraceful.
Product: Bank account or service

On or about XX/XX/XXXX or XX/XX/XXXX, an online company called " Myscore '' charged my Visa Card for {$29.00} unauthorized. 
XX/XX/XXXX while I was searching online to obtain legal counsel, in electronically agreeing to the terms and conditions for legal counsel, I inadvertently agreed to " Myscore '' as well. Immediately after discovering my error, I sent an e-mail to " Myscore '' demanding they close my account immediately. Unfortunately, they had charged my Visa Debit card immediately upon my agreeing. I advised them because it was my oversight, they could keep that fee but, close my account immediate and never charge my card again. " Myscore '' agreed to my demand and sent an e-mail confirmation to my e-mail address stating my account was closed XXXX XXXX, XXXX at XXXXest. 
" Myscore '' is an online service company with NO mailing address or US state location that, offers credit monitoring, credit fraud protection, unlimited credit bureau access to your own reports and alerts participants if their credit is being used by someone else unauthorized or may have stolen your identity ; " Myscore '' provides these services for an annual fee of {$29.00} until the participants requests their account be closed in writing or via e-mail. 
Coming up to XX/XX/XXXX, " Myscore '' charged my card again almost a year after I closed the account and received confirmation from them that my account was closed. 
I immediately informed my bank of this problem and they immediately closed my debit card, put the amount in dispute and issued a temporary credit to my checking account in good faith, hoping the company would credit the {$29.00} back to my account. Unfortunately, after 6 - 7 attempts from XXXX XXXX to XXXX XXXX the company has continued reneging on its promise to credit back the {$29.00} to my checking account. 
My bank stated that the company, " Myscore '', has abused their charging privileges and my rights as a consumer. 
Everyone I have spoken with, with the exception of XXXX individuals at " Myscore '', the customer service reps spoke with XXXX foreign accents and each one promised they would process my credit of {$29.00} ... each customer service rep was blaming another rep for my credit not being processed ; and with each promise from XXXX XXXX to XXXX XXXX, I was advised to wait 4-5 business days before the credit post back to my account ... which, to this date has not be done.
Product: Credit card

This is about Apple Card ( Goldman Sachs ). 
I noticed in the morning of a day between the XXXX and XXXX of XXXX that during that night there were some notifications of charges from an app that I do not have or recognize. They were made during the late night, I imagine that whoever did it did so I couldn't lock the card immediately. 
I called Apple Card support and they proceeded to review them. 
I received the result of their review on XX/XX/XXXX, they are not keeping those charges in my account despite clearly being fraudulent. 
I proceeded to close my account with them. 

The transactions and dispute number are : XXXX {$24.00} XXXX {$15.00} XXXX {$27.00} XXXX {$14.00} XXXX {$14.00} XXXX {$15.00} XXXX {$27.00} XXXX {$15.00} XXXX {$27.00} XXXX {$14.00} XXXX {$24.00} XXXX {$24.00} XXXX {$24.00} XXXX {$27.00} XXXX {$14.00}
Product: Debt collection

XXXX XXXX  has added to my report .. i have never had any dealing with first tech credit union in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

Cadence bank uses XXXX XXXX score. Neither XXXX, XXXX, XXXX, nor XXXX will provide a XXXX  XXXX Score. The bank refuses to give me copy of the XXXX XXXX score saying it is illegal for them to provide me a copy of this report showing this score. Decisions are being made about my access to credit, while simultaneously being denied access to this very information. Most customer service personnel at this bank or at ANY of the credit bureaus DO NOT even know or understand what " XXXX XXXX '' is.
Product: Debt collection

Independence Capital Recovery illegally accessed my personal information and provided it to XXXX XXXX XXXX for a collection of a debt I do not owe. I requested validation of debt and instead of providing it, XXXX XXXX XXXX choose to make fun of the way I requested it and never actually addressed my concerns by providing the proof. I am in no way financially obligated to either of these companies and for this reason they should both cease and desist as it goes against US Consumer Rights.
Product: Debt collection

The collection agency recently started reporting a collection account on my credit report. I have no recollection of ever doing business with the company they are collecting for, and requested a detailed itemization of the debt. It has been over 30 days, but I have yet to receive a detailed itemization of the debt.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

I downloaded the app and when I got to where I had to put my social security number my credit card number and when I got to pay it wouldn't let me pay so I feel like it's a scam they just wanted my all of my information then I went to the comments and complaints with that's what I should have did at first but everybody says that it's a scam
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 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 remove these files : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXXXXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my credit report.