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

Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX  to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. XXXX XXXX
Product: Credit card or prepaid card

I have complained to the Consumer Financial Protection Bureau that because of the coronavirus I am not able to make payments at this time to Discover Card. Nevertheless Discover Card has been harassing me with now FOUR ( 4 ) demands for payment within a couple of weeks! 

The United States Secretary of the Treasury had advanced tax date from XX/XX/XXXX to XXXX XXXX and has forgiven all late fees and penalties. Furthermore all student debt late fees an and penalties and payments are suspended! 

But Discover Card is being un-American and unpatriotic in demanding payment from me that I can not because of the coronavirus make at this time. 

I SHALL NOT MAKE ANY PAYMENTS AT THIS TIME. 

Let Discover Card sue me a court of law! 

But Discover Card may not impose any late fees or penalties and must stop harassing me!
Product: Debt collection

ABILITY RECOVERY SERVICES VIOLATED THE REQUEST I MADE FOR CERTAIN ITEMS TO BE GIVEN TO ME. I TOLD THE COMPANY WHAT NOT TO SEND AND TO CEASE ALL COMMUNICATION IMMEDIATELY IF THEY COULD NOT SEND ME WHAT I REQUESTED. THEY SENT OTHER INFORMATION ANYWAY, PLUS OTHER VERBAGE I REQUESTED NOT TO HAVE AND THEY BROKE THE CEASE ALL COMMUNICATION REQUEST.
Product: Credit reporting or other personal consumer reports

Bridgecrest/XXXX had been paid in full but will not correct credit report. The account is still showing a balance. XXXX investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Accounts : XXXX. XXXX XXXX XXXX  FL XXXX - Reference numberXXXX XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries : XXXX. XXXX XXXX  XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 





XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX- This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Product: Credit card or prepaid card

In XXXX I made A {$1000.00} payment and told the phone rep that the payment is for XXXX and XXXX I am having XXXX and I want to be ok as far as late Problem is citi customer service is in XXXX and XXXX they all have trouble understand English therefore they dont know what to do put u on hold too much lai make fun of laugh and pretend to be a supervisor So XXXX comes I keep getting call 3-4 times a day I call citi to find out what is going on and they told me I am late past due and delinquent Why they took this harsh un necessary action when I didnt do anything wrong After my complaint to executive office XXXX told me the person handling my issue will call me by friday XX/XX/21 And will stop the phone harassment Do to Texas cold No one called me so I called back left. Message phone harassment still going They are recking my credit for no correct reason and if they reck my credits file they will be sewed
Product: Credit card or prepaid card

I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.
Product: Debt collection

Last reported to Equifax on XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr ) Original Creditor Name : XXXX XXXX {$200.00} I've never had this account. 

Last reported to Equifax on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr, 10  mos ) Original Creditor Name : XXXX  Balance : {$6800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions I ask for proof of contracts, accounting history, taxes returns showing that I owe this.
Product: Credit card

In XXXX of 2023 I received a late charge of {$41.00} on my statement but did not notice this until the next statement as Citi card stopped sending me written statements which I had previously asked for. In noticing this I went ahead and paid off {$3900.00} which was the at that time full amount due on this card. I thought my card was then at a balance of XXXX then unfortunately there was an auto charge of {$4.00} placed on this card. Although I had asked them I again was not provided written statements and though I noted around the time the Citibank XXXX was due by the time I would go online and notice this charge I had another {$41.00} late fee bringing my account balance up due to late fees but not due to use on the card. This continued to occur for XXXX more months and I did not know this until receiving an e-mail notification finally that {$170.00} was due on this card. I again paid this off in full but I'm not understanding why they are charging interest on late fees which is basically a circle of late fees therefore charging interest therefore I can't seem to pay off the credit card in time period this is all from a {$4.00} charge. This has now severely affected my XXXX XXXX and affected my ability to buy a home. I don't even care about getting the money from the late fees back but I have significant frustration that they reported my card over {$4.00} and kept putting more late fees on my card to put me in a horrible circle. I will attach credit statements if needed to back all of this up. At this time my account is closed as per my request so that this stops occurring and they have an outside balance of owing me {$41.00} which they stated they would only send me if I had asked for it but did not offer this to me. As I also think that this is a possible illegal practice. Please assist me in figuring out how to get my credit report improved. I am awaiting hearing back from their credit dispute department but was denied being able to talk to them directly and they have yet to respond to me.
Product: Credit card

I signed up for a credit card with community financial. There was a 12 month interest free. Following the interest free there was a 22 % interest rate that would begin occurring at the end of the XXXX XXXX period. After the XXXX XXXX  period they applied a balloon interest fee to the account which nearly doubled the account balance. This fee was not advertised or explained in the contract or the enrollment process. I contacted the credit card company and they said there was nothing they can do and that I must pay the balloon interest as well as the balance and continue accruing interest even after I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect spelling of my name is still on my report after i sent numerous complaints to have it removed. I think i know how to spell my name. My name is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX Also i have 1 address. The Florida address should be the only address listed. I do not live in Michigan at those other addresses. I am a Florida resident. It is my right to have incorrect information removed. Can you please remove these incorrect addresses immediately?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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 These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to dispute hard inquiries on my credit report from XXXX  and equifax and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX we send XXXX XXXX from XXXX XXXX to XXXX XXXX our money wasblocked by a correspondent bank JPMORGANCHASE BANK Iwrote to them in the mail XXXX XXXX, XXXXand again on XX/XX/XXXX, but there is still no answerfrom them, for what reasons our moneywas blocked andwhether they have it. 

Earlier we wrote you a request for information and we received a response to it. But today we have received an unblocking license from OFAC and we ask you to make a payment to our counterparty XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to login to my Equifax account but recently had to reset all my passwords, so I need help getting into my account. I keep getting an error page that states " We are temporarily unable to complete this request. 
Please try again later. '' I've cleared my cache/cookies/etc. I've searched online for solutions and found out that filing a complaint with this agency is the only thing that has worked for several other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went XXXX and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX and XXXX call them to confirm that i didn't owe anything to them the insurance company paid them off. The amount is XXXX 2nd Global Lending XXXX and XXXX made a call to them as well. Insurance company paid my car off because i had Full coverage through XXXX  the amount for this loan is XXXXThis was paid off.
Product: Mortgage

In XXXX / XXXX I had trouble making my mortgage payment. I did not have a job and was out of work on a XXXX. I entered into a loan modification program with bank of america in XXXX. The mortgage had not been paid from from XX/XX/XXXX until the modification in XX/XX/XXXX. So it had been twelve months without making a mortgage payment. The mortgage was backed by XXXX XXXX. In XX/XX/XXXX my mortgage was transferred / sold to XXXX XXXX. My complaint is that Bank of America performed mortgage fraud. They were paid for the total mortgage amount that I had owed by the insurance company or XXXX XXXX 90 days after I went into default. So Bank of America did not own my mortgage. So that also means that XXXX XXXX has been taking my mortgage payments and is also performing mortgage fraud. Please perform a Forensic Securitization Forensic Mortgage Fraud Audit.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX  : Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Prepaid card

I have filed multiple complaints regarding American Express gift cards. I had XXXX of them and American Express already issued XXXX checks for the XXXX XXXX seeming to finally agree that these gift cards can not be used everywhere American Express is accepted as advertised. 

I filed a XXXX complaint for the XXXX gift card as for some reason American Express would not cut a check for all XXXX at once and on request they cash out XXXX they responded denying and providing the same response they provided in the past when I filed XXXX  complaints stating that these gift cards can not be used at ATMs or for recurring bills which I have never tried to do. 

As stated in prior complaints and again here, I have XXXX {$750.00} gift cards remaining and I CAN NOT use these everywhere American Express is accepted and the only place I was able to get the XXXX card to be accepted was XXXX! 

I will once again attach the last XXXX gift cards to this complaint and once again I ask that they cash me out as they did on the XXXX XXXX therefore acknowledging my complaint that they can not be used everywhere American Express is accepted or in the alternative I ask the CFPB to do their job and demand American Express stop advertising these gift cards can be used everywhere American express is accepted. I would be more than happy to have CFPB contact me so I can show that these gift cards are not accepted everywhere American Express is accepted and thus they are guilty of false advertising! 

I am trying to mitigate this issue but if American Express does not want to cash out these last XXXX gift cards I will have no alternative but to file a small claims case and I am pretty confident that cashing out the XXXX prior gift cards ( by sending me checks ) will be sufficient for a judge to determine American Express agreed that these gift cards can not be used everywhere American Express is accepted and will award judgment to me but if I do this I will ask the judge to reward court filing fees and my time to me as well so attempting once more to resolve this before going that route.
Product: Debt collection

XXXX XXXX XXXX was shown as a debt collection on my account for {$170.00}. It is from a bank in XXXX. I have never had a bank in Georgia as I reside in XXXXXXXX XXXX. This collection was opened XX/XX/year>. I disputed this unknown collection with transunion twice and the results say the information was verified as accurate with no documentation to verify it was mine. No letter in the mail no phone call or email just a random ding to my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing this account since XXXX of XXXX I've been a victim of identity theft. I contacted the bureaus about this account they took account off. XX/XX/XXXX I receive a new credit report and discovered the original company sold the debt and put it back on my credit report i contacted the company and told them about my issue and it still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated this account 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 Account Balance : {$32000.00}.
Product: Debt collection

XXXX Account XXXX I purchased a cell phone from XXXX in XXXX or XXXX, 2023. I am an XXXX old XXXX woman who forgot her user name and password and locked the phone. I went to XXXX and they were adamant that there was nothing they could do and I would have to pay for a phone I can not use! I wrote Corporate and got the run-around from them saying there was no way they could unblock the phone. I have been paying on this for several months now and my balance is {$350.00} for a phone that does not work. I feel this is entirely unfair, plus now they have a debt collection agency sending me bills. My credit rating is most important to me and if you will check, it is in the XXXX 's. Is there any way you can help me? I feel I have been treated very unfairly!