23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been contacted XXXX XXXX 's credit card bank for months. I was finally refunded for the purchase that was sent to me in error from XXXX as well as all the late fees and shipping charges. However this institution has been reporting me as past due for three months now. I want this corrected and deleted from the credit profiles. Comenity bank has not replied or correct this reporting, When you call you can only speak with offshore contractors. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX, I disputed all transactions from my Citi XXXX XXXX credit card which ending XXXX cause I didn't purchase. Citi reverse credit in XXXX statement which have 6 transactions about {$300.00}. In XXXX statement, Citi only reissue me 5 transactions about {$300.00}. So Citi still missing me one transaction {$300.00} to reissued.Then I called dispute center more than 25times try to resolve this mistake, the phone call always cut off in middle or they misunderstand. Somethings, they said open new case for me then let me wait. Alright, I trusted them. The result is my credit score from XXXX to XXXX besause I didn't make payment for {$300.00}. I waited more than 2 months, I still not received my credit back.
Product: Debt collection

My original mortgage loan was with XXXX XXXX XXXX which XXXXXXXX XXXX filed chapter XXXX and split the with XXXX XXXXXXXX XXXX  XXXX I got lay-off and XXXX did a Home Affordable Refinance Program ( HARP ) which I got new mortgage with XXXX XXXX XXXX changed XXXX XXXX  XXXX Also I filed chapter 7 in XXXX due to XXXX split Mortgage Specialized Loan services
Product: Credit card or prepaid card

I pay my bill every month, but Citi will still charge me interest. I've already had the charge refunded twice, but they still continue to charge me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXXXXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry.
Product: Money transfer, virtual currency, or money service

XXXX IS CHARGING ME WITHOUT MY AUTHORIZATION. I invested in XXXX. I made a deposit, that went through. The continued take the SAME deposit over and over again until my account has over {$300.00} in fees! I have tried to contact them. I have emailed them. As of this morning, they are still withdrawing money. I removed all my money from XXXX via wire transfer, ( paying a giant fee ) and it was supposed to take 1-2 days. ITS BEEN 6 days and I have nothing but an empty bank account that XXXX is still trying to take money from and my bank is still charging me. HELP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I never recieved a response from three credit bureaus as I sent a letter to them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Please correct the following accounts as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I began a loan with XXXX  ( XXXX XXXX XXXX ).  I made my first $ XXXX+ payment on XX/XX/2018. The loan was supposed to be a 5-month title car loan. I HAVE MADE FULL PAYMENTS EACH MONTH since XX/XX/XXXX via the company 's mobile app. Occasionally I would receive calls from vendor, but rarely responded to their messages, as I was told at the beginning of loan by XXXX and XXXX that courtesy calls for payment reminders are generally made. On Saturday, XX/XX/2018 I spoke to a XXXX at the store and tried to explain to him I had never missed a payment and would come in and discuss the issue with him. I told him at the time I was ill ( had just been involved in a XXXX  car accident in Washington DC on business ). On Wednesday, XX/XX/2018 at approximately XXXX XXXX, I discovered a tow truck in my garage loading my car up. My husband and I immediately ran out, to no avail, as the guys liading the car were not aware of the payment details. I am so distraught, as I know I am in the right and have made copies of all my bank statements for past few months with all payments indicated, as well as copy of XXXX   's mobile app payment history, noting each of my payments.
Product: Checking or savings account

I purchased Insurance policy through Bank of America 15 years ago with XXXX XXXX XXXX XXXX XXXX   never filed a claim & all payments were deducted from my account monthly & I just received a cancellation letter from XXXX XXXX XXXX XXXX XXXX that the policy will terminate on XX/XX/2019 period. That is corporate fraud, Bank of America has told me they have nothing to do with the cancellation & whatever money I am out is too bad because of XXXX XXXX XXXX XXXX XXXX can cancel at any time they so desire, They simply generate enough revenue for a period of time & cancel whenever they choose.
Product: Credit card or prepaid card

In late XXXX I received an automated e-mail from Home Depot asking if I recently made a large purchase using my Home Depot credit card, I replied no and called the next day to say it was not me. They told me not to worry about those charges and sent me a new card which was also hacked, I received a statement for XXXX XXXX. Since none of these purchases was made by me I called their fraud department and explained the situation. Their response was that my drivers license was used when these purchases were made which is impossible since it never left my possession. They requested a copy of my License which I sent them. On XX/XX/XXXX I received a letter informing me that I was responsible for these charges. on XX/XX/XXXX I received a statement for over XXXX XXXX. I did not pay even the minimum because these charges are not my responsibility and now my credit is getting hurt for no payment including late fees. I have had zero luck trying to dispute this with Citibank ( they run Home Depots credit cards ).
Product: Mortgage

I began a refinance process with this company in early XXXX : XXXX XXXX XXXX XXXX XXXX NMLS # XXXX Mobile : XXXX FAX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX We locked a rate, and during the process of the next two months the initially agreed fees changed, I paid {$600.00} for an appraisal, and then paid {$300.00} for a subordination to an existing HELOC. Ultimately the company did not complete the loan timely and rates changed creating a disadvantage compared to my existing loan. The company has taken no responsibility, not willing to reimburse me for fees. Completely unacceptable!
Product: Credit reporting

Despite my five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Transunion stated in writing that they verified that these items are being reported correctly. Transunion refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Transunion is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Transunion to post the accounts listed below is evidence that it does not exist and therefore is proof that Transunion can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Transunion 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX ( remove unverified account ) 2. XXXX ( remove unverified account ) 3. XXXX XXXX ( remove unverified account ) 4. XXXX XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified account )
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Transunion in reference to XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Product: Checking or savings account

A fake check with unauthorized signature was paid by truist bank on XX/XX/2022 for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 60 days from the transaction. This check has a totally different signature from the authorized one. We need to get the bank to refund money and need help on this matter. Truist bank is responsible to pay out check only with signature of owner of the account and legal paper. This was a fake check.
Product: Credit card

On XX/XX/2023, I booked a house in XXXX XXXX XXXX for a trip in XXXX. I paid {$4900.00} on my Citibank Visa. I received a notification from XXXX the following day that my booking had been canceled by the owner. I contacted the owner by text message to the number that was provided on the XXXX website. The owner stated that it was a mistake and the listing had not been canceled. I sent them a screenshot showing the listing on my end being canceled and they said they would contact booking and find out what was going on. we both contacted XXXX and they said that they pulled their listing because of the fees with XXXX being too high but I could book privately with them and avoid those fees. I said I would be happy to do that but I would need my refund first and they said they would start the process and I would have my refund within seven days. I stayed in contact with them for the next several weeks waiting for my refund that never came and at one point after not speaking with me for a week or so the person at that phone number claimed they didnt know who I was. I gave all this information to Citibank Visa, along with the text messages that verify this information. Citibank Visa notified me yesterday when I called them to find out the status of my dispute that it was denied because I couldnt produce a credit slip showing the transaction. I explained to them if the merchant was committing fraud how would I be able to get a credit slip? They said they only way they could move forward is if I was able to produce that.
Product: Student loan

This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Lost my job and unemployment ran out. I have been trying to pay something to card to lower balance. Since XXXX XXXX in late charges and not including interest. Called for a pay off and close account. Had amount taken out of my checking. I now received an additional XXXX plus interested. The payoff amount was given to me by Commenity Bank. I explained that I got a job in XXXX and after 3 weeks I wa s laid off due to Virus. I asked for assistance and they refuse to help.
Product: Mortgage

Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.
Product: Money transfer, virtual currency, or money service

I applied though XXXX for a job, and was offered to be a XXXX XXXX to a CEO. I was told my first task was to deposit a check for {$6200.00} and take the funds and disperse them to orphanage for a medical procedure. I did exactly what he asked cashed the check that was in my name, and send the money get money orders With the cash and send to the given address. I woke up to negative thousands of dollars in my account. I have called Wells Fargo to file. a claim immediately with police reports, emails, texts, the XXXX  application to show I was a victim of fraud/being stolen from. They would not even look at the police report, or talk to the detective, or look at my proof. They denied my claim and refused to give back the money that was stolen from me. The banks job is to put a hold on a check with large amounts of money, and idtenfiy a fraudulent check, They did not do that, They gave the cash right away without making sure the check would clear or was legit. I was truly under the impression I was hired to work as a remote assistant for someone and doing my job thinking this was for the greater good. I have emails, and job descriptions texts to show proof of this. I also filed police reports etc. This has impacted us greatly financially leaving us with our bank account drained.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency has stated that it has ceased all collection efforts, yet Equifax is continuing process and persist updated derogatory information for the account/tradeline. The XXXX XXXX has stated they have CEASED ALL collection efforts for the account. Moreover, the collection agency is not licensed to collect on debt in my state. That means the collection account/tradeline should not be on my credt file -- period. An account can not legally be reported as a collection account with a collection agency if the collection agency can not legally collect on accounts in my state. Moreover, they can not engage in actions that violate the XXXX, which happened in this particular instance. The reason my particular state requires licensure to collect is to PROTECT its residents from unfair and unlawful practices. XXXX XXXX XXXX discrimination is unlawful. Collecting on accounts without a license to do such within the sovereignty of a state that requires a license to do such is unlawful. It then follows that furnishing information that is/was generated in comission of unlawful actions is a material violation of a data furnisher 's responsibility under Regulation V. Likewise, a Consumer Reporting XXXX , that knowingly and willfully persists information generated/obtained/and received as a result of unlawful activity is a violation under Regulation V.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX bankruptcy reporting on my credit bureau report that does not belong to me. I have made several attempts to reach out to the credit bureaus so they can perform a thorough investigation to remove this error. The credit bureaus have verified the bankruptcy every single time without providing me with any documentation that ties me directly to this erroneous blemish on my report. I contacted the courthouse because that is where the public record should be stored. They responded that they do not share information with the credit bureaus. I am confused as to how the credit bureaus can verify an item without have complete access. I feel that my rights are being violated. Furthermore, this error in reporting is hurting me financially. I am writing your organization today hoping that you can help me in getting the credit bureaus to perform a thorough investigation so that this negative bankruptcy account can be removed for my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score.  Collection company is using Trans union as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Trans union is not doing their do diligence, as they would have known this was part of a litigation.
Product: Checking or savings account

I received 3 savings account bank statements from Marcus by Goldman Sachs bank. I have never heard of them nor did I ever create an account. I asked for information on when they were opened and was told they can not give me that information and I would need to file a police report and a report to Id me. 

I did not open these accounts and do not want to be held responsible if anything happens due to fraud. I want these accounts closed immediately and to prevent further accounts being opened in my name.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX XXXX XXXX for {$1000.00}. I called this company 4 times and asked for these people to change my bank account information. They didn't change it, instead they continued to try to take the funds out of an account that had no money in it, causing it to go into an over draft status, thus, generating even more fees from my bank. Also, after receiving the loan, I realized that I was being charged an excessive interest rate, I looked up my state law and read that the cap in my state is 36 %. This company is charging me 515.35 %!!! This loan will cost over {$4000.00} with that interest rate. 

They are deceptive payday lenders that are hiding behind a tribal affiliation. They say that their tribe laws over ride state law? How is that? How do they legally charge over 500 % interest?! 

Never again, especially with this company. Its criminal that they take advantage of people that are clearly already struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from Experian, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX  bureau reported the exact same way. These items have already been updated and dropped from my XXXX bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XXXX XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX  and XXXX XXXX in my XXXX for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XX/XX/XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Product: Credit reporting or other personal consumer reports

This inquiry was conducted by the creditor without my consent, and it must be promptly expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00}