23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a single mom. The birth father of my XXXX son XXXX is deceased. I contacted Experion after they failed to remove my Chapter XXXX Bankruptcy as required by law, according to what was reported to me by both XXXX and XXXX. Both XXXX and XXXX removed the Chapter XXXX in XXXX XXXX. Both XXXX and XXXX explained to me that they had no choice but to remove the Chapter XXXX, that it was required of them by law. 
Experion has informed me that they want to hang onto the Chapter XXXX until XXXX XXXX. 
This causes confusion and financial hardship. The bankruptcy was the idea of my then husband, XXXX XXXX, who is not my XXXX son 's birth father and who became tired of being the step-father of an XXXX young man and rebelled by committing what seemed like financial suicide. He got his car free because I paid for it and he stood to get a free house because his parents were near death and he would get their house, so he did not care anymore about our finances. I actually ended up paying many of the debts because I did not agree that we should file Chapter XXXX but I could not talk him out of it. I paid in full for both my XXXX and his XXXX. I got power attorney and paid the home loan that was in his name and assumed it and it is now in my name, XXXX XXXX number XXXX. I have never been late on any of my debts since my divorce from XXXX XXXX. Having this Chapter XXXX stay a year longer on Experion on serves to make it harder for me to get a loan to pay for my XXXX son 's XXXX. ( My XXXX son suffered XXXX caused by XXXX he was given for XXXX when we had to go to court to fight to keep our home and car and were allowed to, but XXXX was very difficult for XXXX to endure ). XXXX may have to suffer from XXXX a year longer because Experion is hanging onto the Chapter XXXX a year longer than the other credit bureaus. I hope that Experion will use the same guidelines that XXXX and XXXX are using regarding this Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing with experian there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company XXXX XXXX and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in reference to complaint number XXXX. 
I sent a letter to Transunion on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not fixing the issue. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.
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 three 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 homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

In XXXX XXXX I entered into the following agreement with XXXX, a representative from XXXX XXXX : 5 installment payment plan that would reconcile my past due balance and keep my payments current. The agreement was to deduct {$130.00} on XXXX XXXX, XXXX and then {$110.00} every two weeks beginning XXXX XXXX, XXXX. After the completion of the payment plan, my account was suppose to be current and I would go back to making my regular monthly payments. Unfortunately, after the installment was complete, I received several calls from XXXX XXXX stating that I had a past due balance of over {$400.00} and that I had to pay it immediately or further action would be taken. I explained to the representative that I believe their information was incorrect and talked to her about the payment agreement I had just finished. She informed me that my agreement was only to take care of the past due balance and that I am still responsible for making my regular monthly payments. I explained to the rep that was not the agreement I entered into, and had I been able to make the regular monthly payments in addition to the installment agreement, there would be no need for the agreement. I would not enter into an agreement that I knew I could not afford. Since that conversation back in XX/XX/XXXX possibly XX/XX/XXXX, I have three particular incidents in which I had to escalate to a manager because the Representatives who continue to call me have been rude, unprofessional and threatened to take " other action '' which could result in damaging my credit and assets. In particular, i recall two phone calls one in XX/XX/XXXX and the other on XX/XX/XXXX in which the representatives were rude and unprofessional. Since I am a victim of identity theft, I explained to the Rep on XX/XX/XXXX at XXXX XXXX that I did not feel comfortable supplying/confirming my personal information to him since I could not verify his identity and his responses were " you did n't have a problem giving your personal information when you wanted this credit line '', " either make the payment now or else we will take further action that will hinder you in the long run '', " if you dont make this payment we will look into your assets and financials, you can avoid all this ''. Approximately 5-10 minutes after that phone call, around XXXX XXXX I received another call from a different Rep at XXXX XXXX asking the same questions. Back in XX/XX/XXXX, I had an issue with a XXXX XXXX Rep who repeatedly yield at me, threatened to take further action and actually hung up the phone on me and then called back and left me a voicemail which was unprofessional and very loud. I have asked XXXX XXXX to provide me with documentation regarding my installment agreement, I have yet to receive this. I 've made several complaints to escalate this issue to a manager, no one has contacted me and I continue to be in contact with rude, unprofessional representatives.
Product: Mortgage

The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys american express has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 three 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

XXXX complaint against FNBO, now it's time to sue for damages, thus this is their thirty ( 30 ) notice of intent to sue as per Superior Court guidelines. 

Fact timeline : Went thru XXXX website to book a trip, promotion there was apply for XXXX XXXX rewards M/C and obtain XXXX miles bonus within XXXX billing cycles and pay a {$99.00} fee to obtain the card. I was approved card. 

Initial complaint was that I never received a M/C card after XXXX ( XXXX ) days, thus it's legally " unreasonable '' for FNBO to delay card XXXX. 

Called to complain, FNBO said they would cancel above card and mail me another one. 

In between I received the bill attached, with {$490.00} charge from XXXX and XXXX yearly fee. 

The address on the billing did not show my apartment number of # XXXX, thus I surmised that because of this I never received card # XXXX. 

I called FNBO and complained again, that they did not have my apartment number that XXXX had, thus we have negligence against FNBO and never will receive card # XXXX. 

FNBO cancelled that card and issued me another one with assurances card would be expedited ( card # XXXX ) Never received, thus we have damages to lawsuit. 

Negligence and fail to preform contract as provided for under third party ( XXXX ) Damages, {$99.00} fee for card never delivered. 
Damages to wit amounts to be approximate {$1200.00} for XXXX Guest reward points that I will never receive as can not purchase anymore XXXX XXXX as I do not have a valid card, in hand due to negligence by FNBO. 

Thus, will be suing for {$2500.00} which will be paralegal costs and amount to process the case as court of jurisdiction will be AR as contract was consummated here. 

XXXX XXXX XXXX Paralegal and Current Law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also have discrimination case against XXXX which will be filed in another venue, against a XXXX protected class of person that is protected by law.
Product: Checking or savings account

responding to complaint ID XXXX In a letter from XXXX XXXX XXXX XX/XX/XXXX XXXX he stated I will be provided refund by XX/XX/2022, but now he's saying no refund for you
Product: Money transfer, virtual currency, or money service

XX/XX/2021, my paypal account was banned from paypal, I cant withdraw my money, they will hold my money in 180 days, I don't have any violation, I hope you will help me to get back my money thank you
Product: Vehicle loan or lease

I bought out my lease from Hyundai on XX/XX/XXXX. Hyundais website stated I would receive the title within 20 days business days. After 25 days on XX/XX/XXXX, I called Hyundai to inquire about the title and was told it shipped out on XX/XX/XXXX. I called back on XX/XX/XXXX and was told it was returned to Hyundai as undeliverable on XX/XX/XXXX. When I asked what address it was sent to the Hyundai rep told me my street address but a different city and zip code. I have had the same address in their system for 10 years. I called back on XXXX and XX/XX/XXXX and was given the same wrong address answer with no change to correct the address or escalate my issue, each time they gave an additional 10 day window. I called on XX/XX/XXXX spoke to a supervisor who said he could see I had called but no action had been taken. He also said he was escalating to his manager and that it would take another 3 to 5 business days for that request to process before the title would be sent and then we would need to wait an additional 10 days for it to be delivered. It has now been 46 days or 32 business days since we purchased the vehicle and still the title has not been sent and it has been 8 days since it was apparently returned and Hyundai has made no effort to resend the title. This new 13 to 15 day process window is unacceptable.
Product: Credit card or prepaid card

Hi, today XXXX XXXX I called customer service of Capital One to ask them to remove the {$25.00} late fee that unfairly has been charged to my account even I paid on my due date ( XXXX XXXX ), The associate told me They were unable to do it due to the " system '' - I asked to speak with someone else and I spoke to a manger ( I do n't remember names ) but the same negative response. They say I have to pay within their time frame, and that this time they wont be able to do it ( I know they have waived other time XXXX sound like this time they want me to teach me a lesson ; and they did want to do that simple thing. 
I think their system should remove any late fee automatically when is paid on your duedate or at least XXXX no make a hard time to good paying people so why in the world they dont want to wave it? It totally unfair
Product: Debt collection

Around XXXX XXXX amount {$450.00} Sent debt validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, my FICO score was reported to my bank - XXXX XXXX XXXX as " XXXX. '' Since, that time, though I've paid off several accounts, that were " Never reported late, '' Transunion has repeatedly reported that my FICO has been impacted by delinquencies, high loan to income ratios, and pass due amounts - NONE OF WHICH IS TRUE!! As a result, my latest score reported by Transunion is XXXX - This is 31 pts lower than just over three months ago!!
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of imitation Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I just looked over my Credit Report and noticed XXXX accounts that do not belong to me. Those accounts are XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.