23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

The payoff design for the website makes it so that overpayment is way too easy to do. I clicked pay off amount, they gave me no feedback that the button was pushed. I pressed it again, and then I got an email. I overpaid the loan amount by {$3200.00} on XXXX XXXX, and they are currently holding that money hostage. They say that I will receive a check within 30-45 days, but there are multiple reports that months goes by without any response from the company. They sometimes respond to others stating that, " A check has been issued on XXXX or XXXX '', but the person is waiting for an additional month to two months before saying they never received it. I am currently waiting on day # 32 after overpayment. I have sent them two messages on their website and those got 0 response. I got on a chat window with them and they replied that I will get a paper check. It's my current belief that they are harboring overpayment and holding it hostage from many borrowers and using this money to gain interest. Banks have to reissue overpayment on credit cards within 7 business days. Why is this company holding money for months on end?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : 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
Product: Consumer Loan

The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

The Accounts are in the attached documents
Product: Credit reporting or other personal consumer reports

Didn't authorize this company to pull my credit reportXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Mortgage

My wife called Mr. Cooper, our mortgage company, several months back, during the height of COVID, I believe to set up automatic payments, but while on the phone they sold her on the idea of accepting their Forbearance plan. They sold it as something they were offering their clients to help during this financial crisis during COVID. An opportunity to skip several payments and then make those payments after the original life of the mortgage at no additional cost throughout the life of the loan, a deferment. Now the forbearance period is over, they are harassing us and trying to intimidate us into signing a loan adjustment, that would potentially add $ XXXX to the life of the loan. When I search for Mr. Cooper 's Forbearance plan online, I find the following : https : XXXX It claims there are four possible methods of repayment. The deferral that was sold to my wife, and three other methods not mentioned to my wife including the aforementioned loan modification, a reinstatement ( pay all missed payments up front ), or a repayment plan ( pay missed payments over several months ). 
They are calling me several times everyday trying to get me to sign this loan modification, costing us an additional ~ $ XXXX, or the reinstatement. They will not honor the deferral option promised to my wife.
Product: Credit reporting or other personal consumer reports

Failure due process, violation of Color of law, federal thefts, identity theft, Paternity Fraud. Violation of separation of powers, parental alienation, IRS fraud, Racketeering Charges. Ada violations XXXX XXXX XXXX under the new XXXX program Childsupport was started during marriage withing the household. Childsupport office failed due process, no federal court or family court involved in the case. Procedures were not followed by state and federal law. No federal seal on any judgments. No federal judge signatures. Childsupport is not a credit transactional process ( XXXX XXXX XXXX  ) ( Miller vs Experian ) Other court cases proved that childsupport uses a non judicial seal to Duress thier victims An associate judge may not enter a ruling on any issue of law fact if that ruling could result in dismissal or require dismissal of a pending criminal prosecution, but the associate judge may make findings conclusions, and recommendations on those issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Product: Credit card

I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.
Product: Mortgage

I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?
Product: Debt collection

I began receiving calls for a young lady that I dont know, and has never owned my phone number around XX/XX/2020. Alliance Recovery would send and automated message for this person stating that they had a judgment against that person and they needed to resolve it prior to serving this person with papers. I followed the prompts to speak with someone to be removed from the callin list, as I was NOT this person. The First Lady I spoke to around XX/XX/XXXX stated she would remove me from the list and apologized. But yet, I kept receiving phone calls, several times a day, everyday. Each time I answered, and attempted to reach someone, but would get a weird voicemail stating that I reached they after business hours, although it was the middle of the day. I would leave a message stating that I was not the person they were looking for and to remove my number from their list. No such luck. Yesterday, XX/XX/XXXX, I finally got ahold of someone when they called, yet again and was meet with a ver combative woman, who was not willing to remove my phone number and kept stating that she wasnt going to help me because she didnt have time to deal with me right now. I told her that a I have left several messages to stop calling, advising that I would notify my attorney and CFPB if this persists and she became hostile, saying they ( CFPB and my attorney ) would be able to get the calls to stop.
Product: Credit card or prepaid card

On XX/XX/21 I was on XXXX website to purchase plane tickets. At checkout I was offered to apply for the credit card. With the card came a statement credit plus bonus points. Also it would be 6x the points so I agreed and filled out for the card. It was approved. I was supposed to be redirected back to checkout where the card information would be inputted in the spot to pay. That didnt happen. I called customer service. They said they could not give me my card number but said not to worry about it. Pay for it now with a other card and when I get my new card they will switch it over. They said they do it all the time, no problem. That day came and they denied it saying they could not do it because I paid with points. It did not say that anywhere and I tried not to pay with points seeing it was only {$20.00} but their website was such a mess i could hardly get through to put my order in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/year> I was scammed out of XXXX transactions cash app refused to reimburse the money in violation of FDIC which cash app supposed to reimburse all accounts up to XXXX. The folks at cash app informed me to call XXXX to do the dispute which was fraud!
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account 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. 


XXXX XXXX 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: Consumer Loan

Customer made a timely payment to Ford Motor Credit on Thursday, XXXX XXXX, 2016 before XXXX eastern time. Payment was made by telephone ACH - bill matrix with confirmation number # XXXX. Ford did not credit the account correctly until XXXX XXXX. The account now reflects 31 days past due when it is not past due.
Product: Debt collection

This debt collector called my family member and talked about my debt when they didnt have a power of attorney. They told them I had debt I was unaware of and I want it taken off my credit report now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect and derogatory information reported on my consumer credit report by XXXX and the lack of response by all three credit reporting companies in clearing this matter. This issue pertains to XXXX  loan account XXXX, which inaccurately shows a balance due of {$3800.00}. This loan has been paid in full, and the balance must be corrected to reflect {$0.00}. 

This misinformation is harming my credit report and, as a result, my financial standing. The loan was fully satisfied on XX/XX/year>, and I have attached the necessary documentation to prove this, which includes : - A copy of the final payment receipt showing that {$3800.00} was applied to the principal and interest on XX/XX/year>. 
- An account statement confirming a XXXX balance.
Product: Credit reporting or other personal consumer reports

Investigations were not conducted on these accounts ( XXXX XXXX XXXX XXXX  ). Experian is claiming to have investigated and verified this debt within 1-2 days of my dispute being submitted.
Product: Debt collection

I owe no one my credit is excellent Resurgent capital services XXXX XXXX XXXX XXXX MI XXXX saying I owe XXXX XXXX XXXX XXXX XXXX 2007 account this is not true. 

I have no collections on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of 2020, I started a quest to lower my TV and internet costs. I made a call to XXXX XXXX. I was very clear with the channels I needed and I was assured that I could be accommodated. The conversation continued involving various packages. I was told that they needed personal information to make sure that I got the best rates but no consent was given for a credit report inquiry at all. I am very protective of my information. Some 20-30 minutes later the salesperson finally admitted that they could not offer the only channels that I wanted. I was done with XXXX  ... or so I thought. It seems that without my knowledge they ran my credit report. And it is a hard inquiry. I am on the phone now being told that I " should not worry about it '' but I am worried. They ran a hard inquiry without my permission. I do not have an account with XXXX. And now I have bigger concerns about the integrity of XXXX and the person that used my social security number without my permission. This hard inquiry will remain on my Equifax credit report for possible two years. XXXX  is refusing to help at all. This will be on my credit for two years.
Product: Checking or savings account

I'm attempting to link debit cards from PNC Bank to XXXX  and PNC is not allowing it. My cards were linked but PNC did a security update and the accounts were removed from XXXX. I've contacted PNC and XXXX, both could not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX, XXXX, Transunion because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Product: Debt collection

I am a member of XXXX XXXX and received a bill for {$20.00} from a collection agency. I followed up and found out that the debt was for my grandson who is on my policy. He did not pay his copay and so it was attached to my account. Not of the reasons listed applied so I used the closest I could find. The mgr was rude and wanted to tell me how this situation was going to go. So yes, I found it threatening. 

When I called to tell the collection agency and XXXX that they should correctly report that it was because I was responsible for my grandson and not myself. 

These type of errors harm everyone especially myself who was unaware of the debt and was unable to rectify it directly with XXXX and USCB America staff needs training on debt collection. When I tried to pay the {$42.00} I had to give them way too much information. As a result, this debt was not paid because the manager would not take my debit card without me giving him my name, social, etc. I do not want this to AFFECT MY CREDIT REPORT!
Product: Prepaid card

Funds were transferred to an inactive rushcard by mistake, the reason it 's inactive is because it was never ordered by me and was sent to a completely different address the more than 4 years ago. When I called to have them void the transfer they told me it was impossible without reactivating the said card. When I explained in never even had the card nor do I know who does, they told me thy would send me one but would take 10 business days. Who could wait 10 business days for their own, oney. Why would a transfer be able to complete on an inactive card but not one going out on card. Because it only benefits RUSH to keep the money longer .... finally had one. Rep tell me they can send one overnight but would cost ME {$30.00} for their incompetent system and customer service.