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

On XX/XX/XXXX I submitted a payment amount for the total of {$140.00} to Best Buy Credit Card Master Card. This is the first day of the new billing cycle for this account. I submitted the minimum payment as outlined by the website when I logged in to my account. Over the course of several weeks I continued to check the website. It reflected the minimum payment was made and then on XX/XX/XXXX when I logged in it showed and new minimum payment due of {$130.00}. 

On XX/XX/XXXX at XXXX XXXX  I spoke with a representative and customer service supervisor regarding this. They explained to me that the payment made would count as an early payment because I made the payment before the bill was posted to my account even though the payment was on the first day of the new payment cycle and that the website had been updated to reflect the new balance due. 

I was then transferred to a representative in another department. You stated the only solution they have would be to have the payment reversed and then complete the payment again. The representative stated she would do as described and that the process can take up to 7 business days. As of the filing of this complaint the payment has not been reversed, nor has the issuing bank, Citi, for this credit card applied the payment made on XX/XX/XXXX in such a way that fulfills the minimum payment due on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX my CREDIT!
Product: Credit card

My Citi card offers a flex pay plan where you can take certain purchases and move them into the flex plan. I made a purchase online from XXXX XXXX and moved it into the flex plan immediately, thinking I was going to keep the purchase. I found a better deal and canceled the order. I verified via phone with both XXXX XXXX and Citi that the item was credited back to my card and that Citi would reverse the flex plan. I pay my bills every month without question. Huge mistake because I noticed after the fact that I was still paying on the flex plan that was supposed to have been canceled. We spoke to Citi and had them rise the inquiry up to management level. They are telling us that we actually weren't charged and the we weren't paying on the flex plan at all. We have our statements and payment records with the bank that show we did pay monthly on the flex plan that supposedly was credited when the return happened. Citi insists that these charges never occurred. My payments and statements show otherwise. I don't know what they are looking at on their end but they should at least have access to our payment and statement info. This is extremely frustrating. We, like millions of other people struggle month to month. When we buy anything of significance it is a thought out decision. We shouldn't have to pay for something we never bought. I am contemplating legal means but thought it prudent to start here.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/XXXX.
Product: Credit card

XX/XX/XXXX I sent for a credit report. When I got the credit report it stated that my balance with Military Star Credit Card was {$6600.00}. Since I never charged anything around that date ( XXXX XXXX ) I was sent to the Military Star Fraud Dept. The fraud rep told me that he would be sending me copies of the transactions and I would be able to prove, with a signed photo ID, that the signature was not mine. That was the last I heard from Military Star. No mail. No calls. nothing. My son got very sick XX/XX/XXXX. I had much more to do than worry about Military Star. My son, age XXXX, lost his battle with XXXX in XXXX XXXX. In all my new credit reports I noticed that I had an outstanding balance with Military Star for {$6600.00}. It also said " account closed '' " no payment due ''. In XXXX of XXXX I called Military Star to ask about this posting on my credit report. They took the opportunity to update my contact info. I heard nothing from them. In XXXX of XXXX my credit scores drop by more than XXXX points. In checking my credit card I saw where Military Star had listed my account as 90 days overdo. Please keep in mind I had heard nothing from them. I called Military Star, sent to the fraud dept. where I was told to call my congressman and I was obligated to pay the outstanding balance of {$6800.00}. If I did not they would garnish my V.A. XXXX payments. I spoke to a XXXX XXXX XXXX ( head of the fraud dept. at Military Star ). He stated he would investigate my allegations and get back to me. Of course, he did n't. I waited several days after trying to contact XXXX XXXX and one of his assistants that XXXX XXXX had prepared but never sent to me. The assistant told me that XXXX XXXX had decided that my fraud claim was not valid and I had to pay the {$6800.00} that was charged fraudulently. No reason. No explanation. I then sent an e-mail to the fraud dept. stating I was XXXX, on a XXXX, the day the XXXX where made. From XXXX to XXXX XXXX XXXX did not try to communicate with me by any of the means they could have contacted me with. I tried XXXX XXXX and they too ignored me. Due to the late payment on my charge account in ( with Military Star XXXX XXXX XXXX ) I was listed as 90 days late on my payments. Again I was never told by Military Star that I owed this money ( no Billing statements, no phone calls. After I called Military Star I was informed that if I did n't make the payments my Veterans Comp would be garnished throuh my months deposit of my Veterasns Admin XXXX Comp. I paid what I could and transferred the balance to another credit card. No amount of reasoning with Military Star yielded a result. I was not aware of your services until yesterday. I hope the can get some positive result. My name is XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX, SS # XXXX. I am a XXXX service W/connected info at I was would proceed I always contacted person.COULD with no certain outcome. # contact me at XXXX. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a repossession on my credit report by Experian. My name is XXXX XXXX and I am deeply concerned about the negative impact this erroneous information is having on my creditworthiness. 

Upon reviewing my credit report, I discovered that Experian has listed a repossession from XXXX under account number XXXX. However, I want to clarify that I did not receive proper notification about this alleged debt. As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to rectify the situation. 

I am aware of my rights as a consumer, and according to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations, creditors are required to provide proper notification before taking actions such as repossession. This notification should include an acceleration notice, an opportunity to cure notice, and a post-repossession notice. I have not received any such notifications regarding the alleged debt from XXXX. 

In light of the above, I kindly request that the CFPB investigate this matter and compel Experian to provide evidence of the notifications they claim to have sent me. Specifically, I ask for the certified receipt with my signature on it, demonstrating that I indeed received proper notification about the debt and subsequent repossession. Without such proof, I believe that my rights as a consumer have been violated. 

Moreover, I urge the CFPB to instruct Experian to remove the inaccurate account of repossession from my credit report immediately. This incorrect information is unjustly damaging my credit score and financial reputation, which can have severe consequences for my ability to secure loans, housing, and employment opportunities. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX XXXX DBA XXXX XXXX DBA XXXX XXXX  with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.
Product: Vehicle loan or lease

In XX/XX/2016 my daughter and I purchased a XXXX XXXX XXXX XXXX from a dealer in Nevada. WE were never allowed to test drive the unit but were told that what we wanted was there. Had to have rear air, I am XXXX now and XXXX when we left with the car I ended up in the XXXX that night so nothing was checked. They had the other car the keys were turned over to them. We did not find out until we had to go to XXXX that there was no rear air in the car. It was so hot and we had our service dogs in the back. It was so hard on them to the extent we almost lost XXXX of them and then the car broke down half way there. I had my daughter put on it on XXXX and the car was replaced with what we were told was there. We signed papers once again that everything was ok. Then we ended up a third time having to sign papers once more. All this time they had our old car in there possession. Then 3 month later we find out it was not a trade it was a repo. We have never had a repo on our records ever. We have once again put them on XXXX. The managers states if we go back to Nevada he will get us a car but I am very afraid of this man and what they have done. I can't go back so we tried to get a XXXX that will help my daughter get the my scooter in the car and also have the service dogs with us safe. The way it is now it is an Issue. She is XXXX and cares for me did not put me in a home she is always there. Because of all of this we lived in the car for 8 months sleeping sitting up. ended up in the hospital and she slept in the cold outside of my hospital bed room. The XXXX we need is very important to our survival. Plus they should not be allowed to cheat the elderly like they did us now it is hot and really uncomfortable I will post this any place I can. We are good people and do not deserve this. I have sold or given away everything I have my moms chair and my bed that I have had since I was XXXX XXXX XXXX. Throwing more and more out just trying to get the XXXX that will help us survive. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.
Product: Credit reporting or other personal consumer reports

XXXX I have no knowledge of this account. it showed on my credit report on XXXX XXXX.
Product: Mortgage

I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is XXXX/XXXX/XXXX ; I have made the XXXX payment on my loan. The MIP asked for in the payoff docs were {$530.00} My MIP monthly amount is {$270.00} so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the XXXX closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. 

In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.
Product: Debt collection

I am writing to dispute the validity of the debt that Monterey Financial Services LLC claims I owe. I want to clarity that I have never entered into ANY agreement or contract with Monterey Financial Services LLC. I believe that the collection activities being pursued by your agency are in violation of federal regulations, specifically the following codes : 1. Code : 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This code states that a debt collector must provide me with a written notice containing specific information about the debt within five days of their initial communication with me. I have not received such a notice from your agency, and appeared on my consumer report without notice, which raises concerns about the accuracy and legitimacy of the debt you are attempting to collect.

2. Code : 12 CFR 1006.34 ( d ) According to this code, a debt collector must provide me with written verification of the debt if I dispute it within 30 days of receiving the initial notice. I hereby dispute the validity of the debt and request that you provide me with the necessary documentation to verify its accuracy.

3. Code : 15 USC 1681-s2 ( 7 ) ( a ) This code states that a debt collector must cease collection activities until they have provided me with the required validation of the debt. In light of my dispute, I request that you immediately cease all collection efforts until you have provided me with the requested documentation. 

I request that you investigate the matter and provide me with a written response within 30 days as required by law. Please ensure that any further collection activities related to this debt are halted until the dispute is resolved and the debt is verified. 

Additionally, I would like to remind you that I have certain rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any violations of these acts will be reported to the appropriate regulatory authorities. 

Please provide me with the necessary documentation to verify the debt, including but not limited
Product: Consumer Loan

XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting, XXXX XXXX XXXX, with the original creditor being XXXX bank incorporation, and XXXX have violated my rights. Both of these accounts are not my accounts. 

15 USC 1681 section 602 states I have the right to privacy and the right to fair and accurate credit reporting.

15 USC 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open-end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out an auto loan 6 years ago with XXXX XXXX XXXX but loan was later bought by Westlake Portfolio Management. Loan was initially reported as being late during the transfer process due to typographical errors from the parent company which made my payment to be reported late. I made a complaint to Consumer Financial Protection Bureau and they tried their best but report still remains on my Credit. Now again, when the final payment was due as I always make my payments on or before the XXXX of every month, this same company did not hesitate to go ahead and report a final late payment again. I made the final payment of the principal loan of {$420.00} on the XXXX XX/XX/2023 which should have been {$410.00} and I made payment of subsequent late fee of {$86.00} on the XXXX of XXXX which should have brought the total payment to a XXXX balance. I called Westlake and I spoke to a lady by the name XXXX and she was very unprofessional, rude and aggressive with me. There was no communication as to when, how or what I needed to do as to the maturity of the loan and how I would proceed to obtain my Title or any information or paperwork. I have never been late with my payments even though I sometimes get close to the due dates. Right now, the balance is still showing on my credit report as {$500.00} still owed when it has been paid off. This is the only company that has a negative report on my credit history. It seems to me that they are out to get me for reporting them the first time. Please help, thanking you in anticipation.
Product: Credit reporting or other personal consumer reports

i have reached out to the fraud dept with bank of america and XXXX XXXX XXXX in regards to these fraudulant accounts that are currently reporting as bad accounts on my credit report, which are not my accounts and i have uploaded multiple times supporting documents stating they are not my accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/00 Balance : {$86000.00}, DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.
Product: Debt collection

XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Opened XX/XX/XXXX Credit Coll Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I did not open these accounts nor did I approve anything from XXXX XXXX XXXX XXXX XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR XXXX  YEARS XXXX XXXX XXXX XXXX. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY XXXX  ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY CREDIT SCORE IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.