23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Comenity Capital / Children Place, I hope this message finds you well. Upon reviewing my credit report, I was surprised to find late payment entries for XXXX and XX/XX/year>, reflecting a 30/60-day delinquency. This information is both unexpected and concerning, as I have always made every effort to pay my account in a timely manner.

It is possible that a delivery issue or delay in processing may have caused this discrepancy. Given our previous positive relationship, I kindly request the immediate removal of these late payment entries from my credit report and a refund of any associated late fees.

Furthermore, under the protections provided by the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g, I believe this reporting is inaccurate. In light of these considerations, I ask for prompt deletion of these entries from all credit reporting agencies to avoid further action and effort on both sides.

Thank you for your immediate attention to this matter, and I look forward to resolving this swiftly so that we can maintain our positive working relationship.
Product: Money transfer, virtual currency, or money service

Between XXXX and XXXX of this year I sent myself several transactions to the XXXX XXXX worth more than {$4500.00} dollars, to pay for the treatment of my health problems affected by XXXX, the money transfer company in the USA, XOOM .COM always sent me notifications of available money, but his partner in the XXXX XXXX never gave me the money, under the allegation of confirmation of funds, this after seeing my documentation and the notifications of available money that I received from XXXX, The question is that they always marked the transfer as delivered, but I never received a single dollar, They XXXX took more than {$4500.00} dollars from my account in the USA without having a receipt that confirmed the delivery of the money in the XXXX XXXX, product of This when I return to the USA I opened a claim for this case, XXXX denied my claim without comparing the signatures on my documents and the signatures on the supposed receipts that his partner in the XXXX XXXX XXXX. XXXX, the question is that the signatures are not the same, not even similar, I made a second claim and it was also denied. I spoke with my bank in the USA and they managed to return about XXXX XXXX dollars to my account, but that is a process that can be reversed if XOOM.COM refuses to present evidence of the case. Now at this moment Xoom.com is charging me my own money and they threaten to damage my credit, I think this is unfair, because they denied me my own money to pay my health expenses and now they are charging me for money that I never received. Sorry if I made any spelling mistakes, it's that I don't speak or write much English.
Product: Debt collection

I have contacted XXXX and their fraud department to inquire about this debt thats being reported to my credit report as 2 separate accounts with them. They transferred me to ( ERC ) as they stated they could give me more information. I called ERC and they didnt give me information and stated " we dont have his debt anymore, we dont know where its at nor the company who has control of it '' ( XX/XX/22 at XXXX est ) call was recorded on their end so my inquiry wasn't responded to. Debt doesn't belong to me but is reporting to all 3 of my credit reports. please remove, advise
Product: Credit card

My Capital One Card was lost, and I have repeatedly requested a replacement card. Despite numerous calls to customer service, I consistently received assurances that the new card would arrive within 4-6 business days, with no explanation for the delay. Six weeks have passed, and I am still awaiting the card.

Capital One has threatened to close my account due to inactivity. However, their failure to deliver the replacement card effectively prevents me from using it, raising concerns about a potential attempt to force the closure of my credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

My Closing was rescheduled from XX/XX/XXXX, to take place this afternoon at XXXX XXXX CST on the purchase of my home. I reached out to Thrive Mortgage, who is the Lender for this transaction, and requested a copy of my Final Closing Disclosure so that I know how much funds I'm required to bring to Closing. I've requested this information since yesterday and I followed up this morning, XX/XX/XXXX, and they have not responded. Per TRID regulations, they are required to disclose any changes made to the loan within 3 days and they have not done so.
Product: Credit card

Summary of Complaint : I am disputing late fees and additional interest charged on my Truist business credit card over the past year due to an error in their auto-pay system. In XX/XX/XXXX, after noticing a late fee, I set up auto-pay for the minimum payment due to avoid future fees. Despite this, I was charged late fees every month because the bank 's system incorrectly set the auto-pay date after the due date. 

I received no paper or digital statements, alerts, or notifications about these charges. When I contacted Truist, the representative acknowledged that the system previously allowed auto-pay to be set incorrectly, and they confirmed that they have since updated the system to prevent this error. However, Truist has refused to refund the fees or the additional interest that accrued as a result. 

I also faced issues accessing information on the Truist app, which crashed repeatedly. When I visited the branch on XX/XX/XXXX, the Branch Lead struggled to identify the issue due to its complexity.
Product: Payday loan

I was contacted by High Point Asset, Inc. pertaining to a pay day loan that I knew nothing about that I owed anything. XXXX asked me if I ever had a pay day loan my response was yes years ago. From there the company stared charging me fees that I had no knowledge of. I asked for the Loan company name and they would no provide me with a name. They forced me to give them my bank information with threats. I have not used a Pay Day Loan institution in over 10 years and when I was done I do n't ever remembering owing them money. I have checked my Consumer Credit Report a year ago and nothing was on there from any Pay Day loan institution.
Product: Debt collection

I had a ticket that was issued back in XX/XX/XXXX from XXXX XXXX court for the amount of {$1600.00} it went unpaid so the court sold my debt to a collection agency who happens to be XXXX XXXX XXXX. He and his company has been garnishing my checks even taking my state income tax return in XX/XX/XXXX {$820.00}, and XX/XX/XXXX {$330.00}. He has taken well over the ticket amount which was XXXX. I have wrote letters/emails to him and also contacted my employer and it won't stop nor will the company speak with me. The company will not give a reason why they have taken over 3,000.00 and the ticket was only XXXX. I called XXXX XXXX and was told that the ticket has yet to be paid off. This company has taken over 3,000.00 and counting from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I gave XXXX over 20 Promissory notes and they arm harming my credit, trying to collect money off me after they made millions and they are comitting security fraud.
Product: Mortgage

I have been trying to low my rate and morgage amount for since XX/XX/2019 I have been sending them documents and they state they have not receive them. 
I sent the document over four times.XXXX XXXX XXXX to help still the same thing Still they say they have not receive them as of yet.
Product: Mortgage

My mortgage company SLS ( Specialized Loan Services ) keeps reporting my payments as late and even has put on my account serious delinquencies even though we have always paid on time.

This has caused our credit score to drop and other companies to deny us loans or credit card.

This began at the beginning of this year. On XXXX we made a payment over the phone. A month later we got a notice on our credit reporting agencies saying that our mortgage was over 30 days late. 

In XXXX SLS offered us a chance, because of Covid, to skip a payment. We applied for this and got it approved. We have documentation of that.

The next month we paid on time and SLS was fine with that and did not report it late.

We contacted SLS on XXXX and told them this and they said it was because my payment on XXXX was for XXXX and I was month behind. When I sent them my bill payment that I made in XXXX they for some reason had taken my payment but never accredited it to my mortgage. Then they demanded that we pay two mortgage payments to get back in current status.

When I showed them the letter stating that they had approved of us skipping a payment they then corrected our account and placed it as current.

The problem was the delinquency was still showing on our credit. This has stopped us
from getting any further credit like car loans and could even affect us getting a job.

I have attached as proof the delinquencies that have shown up on credit even though we have always paid on time every month.
Product: Credit card or prepaid card

On XX/XX/2023 I paid/spent {$1100.00} worth of Chase XXXX XXXXXXXX XXXX XXXX book XXXX ( XXXX ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. Transaction was predicated on Terms and Conditions that allowed FREE CANCELLATION. 
On XX/XX/XXXX ( email ) and again on XX/XX/2023 ( hard copy letter ) Chase AFFIRMED there was a " system error '' by them which had caused the change in Terms and Conditions after booking. As corrective action, Chase stated that " We have issued a full refund... we've credited your account ... points available for refund ... ''. All of these statements are FALSE as none of the owed points are in my account. 
I have called Chase XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX  XX/XX/XXXX to inform Chase that the Refund is NOT in my account. I have called their contracted Reward 's vendor ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In total I have spent over XXXX ( XXXX ) hours on the phone with NO corrective action. Refunds still not in account. 
I am starting a new complaint since Complaint XXXX  XXXX is still open and uncorrected. 
All suppporting documentation is attached
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, delete them from my report immediately.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I contacted American Education Services ( AES ) in reference to three delinquent payments that have been reporting as a negative item on my credit for the last three and a half years. I have submitted verification requests for this information previously to no avail. I 've also submitted " good faith '' letters asking that this information be removed because ever since the loan reached maturity I 've made full on-time payments. AES never removed the information so I decided to try to get to the bottom of it today. After reviewing my payment history the floor supervisor I spoke to said that each reported delinquency was reported while my APPROVED forbearances were going through THEIR processing system ( I would also like to add that all forbearance request paperwork was submitted on time so there was no processing delay on my end ). Once the forbearances were approved it voided the bill and there was no longer any payment due however AES still reported to my credit that I was delinquent on said payment and never corrected the issue. Nor did they correct the issue when I requested they do so in good faith. They also never properly looked into the issue when I requested verification -- had they looked into it properly it would 've been obvious that my account was actually in forbearance during these dates and the information would 've been deleted. This is THE ONLY negative account on my credit reports at all XXXX bureaus. It is egeregiously irresponsible for AES to report inaccurate information and then proceed to be negligent when it comes to correcting their mistakes. As a consumer and an American who relies on the credit system for verification of my 'worthiness ' for just about every product ; this has negatively effected me unfairly for over three years. 

Furthermore, AES did not inform me of all of my repayment options. There was a borrower discount program available for my loan that would be assessed after 36 on-time payments. I was disqualified from this program without my knowledge -- I 'd like to reiterate that I was not made aware of this program AT ANY POINT. AES disqualifying me from a program with stipulations they never made me aware of is another egeregious and deceitful practice that should be addressed. All consumers should be made aware of repayment incentives and certainly not disqualified from potential money saving programs without their knowledge. 

In summary, AES has mishandled my loan repayment process from day one and I expect the situation to be reticfied or I will take legal action against them.
Product: Debt collection

On XX/XX/2021, I received notice that a new collection account was added to my credit report. Upon calling the collection agency, I discovered this account was never mine and was fraudulently opened. 

The account was originated by XXXX XXXX with whom Ive never had an account. Additionally, the address used has never been my mailing address, place of residence, or familiar to me. 

The collection agency, Sequium Asset Solutions recorded my dispute and will investigate. I contacted XXXX and placed a fraud alert on my credit report and initiated an investigation. They asked me to file a report with the FTC. 

Dispute information : Sequium Asset Solutions Amount : {$460.00} Phone : XXXX XXXX Dispute reference number : XXXX Fraudulent partys address : XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX
Product: Mortgage

I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, XXXX XXXX, XXXX, XXXX Bank ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX XXXX was taken from my bank account through cash app. A lady posted on XXXX a question and I answered then she ask if I had cash app and I said yes, next thing I know my money is gone, I'm overdraft, my XXXX account was hacked and I couldn't even get on it. They used my name to try and get other people to scam into cash app, they ask me for XXXX to get my XXXX back and they apologized for doing what they did to me on cash app and said if I would give them the code to get back onto my XXXX account they would give me my money back..this is why I think they are working with the cash app company. When I filed a XXXX there were so many people that had complained about the same thing happening to them and was always denied there money back..I 've been trying since XXXX to get my money back ..Even tried to fake being a XXXX XXXX to get a code to get back on my XXXX after it took me forever to get XXXX to shut it down XXXX I figured there must be something on there they needed to hide, I couldn't even get back on it because they had it set up somehow that my phone wouldn't receive the codes I needed..there 's more pictures but I can't find them, she said her name was XXXX XXXX but I'm sure it's fake
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to transunion ask them to provide proof of where the bankruptcy was provide.