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

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts.

1. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report.

3. US DEPT ED Account # : XXXX 4. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : - XXXX XXXX XXXX incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX XXXX XXXX XXXX incorrectly reports " DELINQUENCY '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and XXXX XXXX XXXX. was the lender. 
- I set all my auto mortgage payments through XXXX XXXX XXXX website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, XXXX XXXX XXXX sold the loan to another lender ( XXXX XXXX ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still in the process of getting this inaccurate data removed m=from my profile. XXXX XXXX and experian has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : RGS Financial acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Original creditor ( XXXX XXXX  ) Never had this account, didn't sign for it or authorize this account to be issued.

XXXX XXXX Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX original creditor ( XXXX XXXX XXXX  ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. XXXX XXXX, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
Product: Credit card

this amazon synchrony card is running a scam. it is entirely unclear from their user interface on their website or with the help desk to determine your payments and current balance. everything posts on massive days delays. it is impossible find out how much to pay in order to bring balance down to zero. they are operating trying to catch people with late fees and such due to poor, inacurate, and delayed data.. what a nightmare. they should not be in business. they do n't even understand the balance due, how can a customer.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from a group called XXXX XXXX XXXX, the main person being XXXX XXXX, who states that he could help me have total debt elimination to Chase Bank whose interest rates were outrageous. He stated that there is a law : Fair Debt Collection Practices Act, which was found to have a " loop hole '' ( XXXX ) which allows his company to assist senior citizens as myself. 

He stated that his Agency was recognized by the 3 major Credit Bureaus. My amount owing was about {$5700.00} ; they would charge that card an additional {$6000.00} for legal fees for debt elimination by their attorneys ( was labeled : XXXX XXXX XXXX ).. He stated that the 3 Rules were as follow : 1. Do not pay XXXX anymore 2. Do not speak with Credit card or Bank employees 3. Call XXXX XXXX anytime XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Their Agency is listed as being in XXXXXXXX XXXX. This last item was good for a few months, but have been unable to reach anyone for about 3-4 months ; the " leave a message voice '' says that the " mailbox is unable to receive further messages at this time. " ... .then a " goodbye. '' I have a very " bad taste in my mouth '' about this scenario ; it stings terribly like a fraudulent action has occurred in my life. 
I would be forever grateful for a strong intervention to assist with my dilemma. 

Gratefully,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against my cash app I was using Cash app ( Block, inc. ) due to inadequate customer service and the unfair service, which violate the consumer Finacal Protection Act ( CFPA ). Specifically, cash app failed to show me timely and effective measures to prevent and address fraud on their platform, Leaving my account unprotected and unsecured Furthermore, their dispute resolution process was unsuccessful and deceptive, as they did not comply with and other requirements under the Electronic fund transfer Act ( EFTA ) and regulations E. These actions have cause me insufficient funds an finacial loss as well, I just would like justice to seek help the appropriate way to help for these problems they caused.
Product: Debt collection

On XX/XX/year>2025 I paid {$1200.00} to Chrysler Capital to settle my account paid in full for account XXXX in which till this Day XX/XX/year>2025 the debt is still reflecting my credit negatively impacting my score. I have provided a letter of satisfaction I want an immediate removal of the debt from the bureaus
Product: Checking or savings account

XX/XX/XXXX Saturday at XXXXXXXX XXXX I tried to withdraw {$800.00} cash from the XXXX ATM located at XXXX XXXX XXXX in XXXX Ohio. The door on the ATM was unlocked and my ability to grab the cash from the issuing door was limited and I was only able to receive {$220.00} of the {$800.00} cash debited to my checking account XXXX. Police were called and police report XXXX was filed with the XXXX Police Dept. Turns out the machine was wide open and someone had left it open. I filed a concern immediately with the Required dept at XXXX. My case # filed with XXXX was XXXX. Provisional credit was issued, and even though the ATM has been active everyday for the last thirty days since that event, XXXX has done nothing. They have failed to provide any writing any documented updates, and blame a third party vendor who they claim hasnt comfirmed the balances of that day. This is the second time in two years this has happened, and once again Huntington bank is an absentee landlord. We emailed to them video evidence of the event which was reviewed and is available and published on the internet. Yet they do nothing. Please help me get my {$580.00} funds back. Questions please call my cell XXXX. This bank either doesnt maintain its atm network or the vendors it comtracts with to manage that system.m Regardless it is the consumer who loses! cc XXXX XXXX XXXX XXXX, file Signed- XXXX XXXX
Product: Student loan

I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. 

After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checker is soliciting fuard information to the public basic identity theft shocking and extortion pattern and practices I contact them is the pass about file a disclosed because my court proceeding but they are still sealing that fuard information. 
and the pull up them charge intuition to block and deny opportunity.
Product: Debt collection

I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX  on the same day. I called XXXX and was directed to Comenity Capital Bank since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX  XXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on Comenity Capitals side in 7-10 days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in 2-3 days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from Comenity, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help
Product: Credit card or prepaid card

About 5 years ago I applied for a Credit Card XXXX Bank of America because they had a promotion going on for a Bonus after meeting the minimum spend amount. But Bank of America didn't honor that promotion for my account. I tried finding a solution with the bank 's Customer Service but they still denied the promised Bonus. The Bonus amount advertised was for {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with XXXX XXXX about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
Product: Mortgage

My wife and I have had a Home Equity Line of Credit on our primary residence located at XXXX XXXX XXXX, XXXX XXXX, NJ with Citizens Bank of PA since XX/XX/XXXX. I have received statements from Citizens Bank each month which I track how much I owe and have been able to balance my statement correctly with the information I have until the XX/XX/XXXX statement. See attached statements from XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX statement information ( last months previous balance minus payments plus interest/insurance/fees ) did not add up to the New Total Balance. The New Total Balance was {$50.00} higher than what it should be with no information as to what the {$50.00} discrepancy was on the statement. 
I called the Customer Service phone number several times and spoke with representatives ( each time escalating to the next line in management ), the final conversation with a Customer Service Manager ( XXXX XXXX ) who stated that the {$50.00} was added to our outstanding balance which represented the approximated cost of the Recording Fee ( s ) when the loan is paid off. After much conversation in which I tried to make them understand that the fee had not happened yet they insisted that the {$50.00} fee would remain in the outstanding balance. 
I am financially astute and understand how to check the Daily Periodic Rate as well as the Average Daily Balance which is how the interest charged on the monthly statement and have found that Citizens Bank is charging me for interest on the {$50.00}, which they say is not being done. I dispute this as the Average Daily Balance includes the {$50.00}, so I am being charged interest on a transaction that has not taken place. 
While the {$50.00} incurs a small amount of interest for me, if the total number of accounts that Citizens Bank has possibly done this to adds up to quite a nice amount of money for them.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B obliges us to eliminate incorrect accounts from my credit report. Could you review the documents? Some accounts have been inaccurately reported, with errors in amounts and dates.
Product: Credit card or prepaid card

I applied for an American Express XXXX XXXX XXXX credit card through XXXX on XX/XX/20 with the intent to transfer my balance from another credit card. The introductory offer was 15 months at 0 % APR and a 3 % balance transfer fee. I received my card today and called American Express to do the balance transfer, however, they rudely informed me that they no longer accept balance transfers for any of their cards. The associate on the phone assured me that they do not advertise balance transfers anywhere and I must have been mistaken when I saw this. She offered no resolution. I am extremely frustrated as this is the only reason I applied to open a new line of credit. 

I included a screenshot of the offer below. I double checked and there is no fine print that says they no longer accept balance transfers. This was misleading and false advertising. American Express mislead me into opening a new account under the impression that I could issue a balance transfer at a 3 % fee. They offered nothing to solve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Wayfair Card Services for violating my consumer rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

More than XXXX years ago, Wayfair Card Services canceled my account with a balance of only {$500.00}. Since then, I have made consistent payments toward the balance. However, the company continues to add exorbitant amounts of interest, making it nearly impossible to pay off the account. Despite my efforts to meet my obligations, Wayfair Card Services has also falsely reported late payments to my credit report. 

These actions are not only predatory but also violate my rights as a consumer. Specifically : Under the Fair Credit Billing Act, creditors are prohibited from applying unfair or excessive charges, particularly when a good faith effort has been made to resolve the balance. 
Under the Fair Credit Reporting Act, creditors are required to report accurate and fair information to credit reporting agencies. The late payment reports are erroneous and detrimental to my credit history. 
I kindly request that the CFPB investigate Wayfair Card Services practices and intervene to ensure compliance with federal laws. Additionally, I respectfully request that this account be removed from my credit report to prevent further financial harm, as their practices have made it unjustly impossible for me to resolve this matter. 

Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries that do not belong to me when I checked my credit report
Product: Credit reporting or other personal consumer reports

I keep disputing the same mistake and maybe fools to take it off of my credit report I sent in a letter from XX/XX/XXXXXXXX expressing what I owe them. How is this company allowed to charge me more when I do not owe that so I do not owe this account for them, holding up my credit for years now with misinformation and will not take it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXXFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXXo15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This it is a debt on a charge off from a auto loan that is been paid already and still show up on my credit report I need to be delete from my credit report the creditor name it is Westlake financial svc XXXX and also XXXX XXXX it is been paid off and still on my credit report as a charge off paid and I need to be remove from my credit report XXXX
Product: Debt or credit management

Want to know if it was a class act lawsuit on Lexington Law firmbecause I never got conversation for the loss and the inconvenience that I was put through. My credit never got straight and I paid for the service over two years and never got compensated for my loss. Also, Ive been reaching out to the services and no one has responded back to me on any updates.