23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.
Product: Mortgage

I was awarded two grants from a company called XXXX based out of XXXX, PA to help pay mortgages of families who have been behind from the pandemic. 
They sent two checks paying {$1500.00} each of my {$2300.00} mortgage payment. 

After 30 or so days of my mortgage account not being updated to account for the payments, someone reached out to me and said that they were able to locate one of the checks for XXXX and that the other was possibly submitted to another XXXX XXXX because it didnt have my loan number but that they would rectify the issue. 

On their website it is very difficult to submit a payment that is not in the full amount, whether one-time payment or recurring. I did submit a payment for {$700.00} and was notified later that this calculation was wrong and that I still owed XXXX something dollars. I couldnt Pay this on the website and had to send a money order to do so. This was very inconvenient at the time but I still did it and now they are saying they didnt receive that either. 

That has resulted in me being penalized on my credit report as the first ever late payment. My score went down 60 points. 

I have even had email communications with all parties and my mortgage company fails to give me the proper account credits.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I have no idea about them, and the company carried them out without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse. 
For the record I am the person submitting this complaint. I have not hired a third party nor is anyone helping me. Please see this matter is handled with a sense of urgency.
Product: Bank account or service

I closed my checking account with Wells Fargo on XXXX XXXX 2016. I did it online and got a message on the screen telling me all my remaining funds were going to be sent to me by mail. About a month after that I called the bank and they indicated that the check had been returned due to a bad mail delivery and that they were gong to try rensending it. I did n't hear from them anymore for a while. In XXXX I went to a branch located on XXXX XXXX in XXXX and talked to XXXX XXXX there. He called the Bank for me and was told to ask me If i was still residing in an address in XXXX. I have never lived in XXXX. So they said they were gon na see what options they had to finally send me my money but most probably they were going to send me an affidavit by mail to confirm my address and once I return it I will get my money. It 's already the XXXX and I have not heard from them at all or received anything. They owe me at least more than {$200.00}. I do n't know the exact amount. At this point I 'm suspecting they probably also create a fake account or accounts in my name because I have never lived in XXXX. Only in XXXX and XXXX.
Product: Checking or savings account

I saw a transaction through XXXX that I was not familiar with for the amount of {$150.00} First the agent stated that I've sent money to that person before. I told her I've never. Then she stated it was XXXX the XXXX. That was another lie. The transaction was due XX/XX/XXXX. I feel she purposely sabotaged my account unnecessarily. 
She proceeded to ask for my driver 's license number. I gave her the requested information. She was still not satisfied. I am the victim but was treated like the vlian. 
When asked my security question she laughed at my response. 
She was very unprofessional. 
I called navy federal for assistance and ended up having my account locked. Really for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX Bankruptcy Discharged Court - BK Reference - XXXX
Product: Debt collection

Receive money owed on credit report of something I don't know about from IC Systems beginning with XXXX XXXX XXXX
Product: Debt collection

Received letter dated XX/XX/year> from SIMM Associates XXXX XXXX stating I owe XXXX XXXX XXXX  {$260.00}. I asked for a copy of the original signed contract that I knew they could not provide whereas I have never done business with this company. I asked for payment history, again I have never done business with this company. Proof that they own the debt or had been assigned the debt. They never responded and I never heard from them again. I could only assume they gave up on their fraudulent efforts. I then discovered they have reported the unpaid debt to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Debt collection

0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax reporting old medical bills as collection items. Equifax reporting account XXXX and I never received any goods or services from this creditor. I was not allowed to dispute these items.
Product: Credit reporting or other personal consumer reports

XXXX XXXXWorld Acceptance Coorporation is improperly reporting a debt that they no longer own. They are in violation Under the FCRA, creditors and lenders are required to report accurate and current information to credit reporting agencies. If a lender has sold a debt, they no longer have an interest in that debt, and they should not report it as if they still hold it.

Here are some key points related to your question : Accuracy Requirement ( Section 1681s-2 of the FCRA ) : This section stipulates that any information reported to credit bureaus must be accurate and current. If a
lender sells a debt to another party, they can not continue to report it as their own debt. The debt should be removed or updated to reflect the current holder.

Obligation to Correct Errors ( Section 1681i ) : If a consumer disputes an item on their credit report, the lender or entity reporting that debt has an obligation to investigate and correct any inaccuracies. If a debt is sold, the reporting should reflect the new creditor, not the original one.

Transfer of Debt ( Section 1681s-2 ) : When a debt is sold or transferred, the original lender should report that the debt is no longer theirs, and the new holder of the debt should be the one reporting.

If a lender continues to report a debt after it's sold or transferred to another party, they may be in violation of the FCRA, and the consumer can dispute this with the credit bureaus. If the reporting continues improperly, consumers could potentially take legal action against the lender under the FCRA. 

So, in essence, if a lender has no further interest in a debt they've sold, they should not be reporting it as theirs, and if they do, it's considered a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX 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 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: Credit reporting or other personal consumer reports

I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX XXXX  experience. I am requesting a cease of communications through email and letters from the said Bureau.
Product: Debt collection

XXXX XXXX XXXX XXXX {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

XXXX is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.
Product: Credit card

Synchrony Bank issuse me XXXX credit card ' after revived those card ' paying my account on time checking my credit report synchrony Bank running my credit report none stop over XXXX time, I was upset about it I call synchrony bank ask why were they running my credit and the actives had brought my credit score down ' I was n't request credit. I was told from synchrony bank upping my credit, you do not running my credit because I had not request credit extention ' I'requeted synchrony bank contact each credit beuars have it remove, and credit my Amazon account {$780.00} synchrony Bank never have, doing the dispute of charges synchrony bank close my stein mart card I went to pay on my account at stein mart store I was told my account was close, I had never miss a payment ; I call synchrony bank ask why was my stein Mart account close I 'm here at store trying make a payment 'oh we thought it was you stein mart card I replied not true the complaint was made on amazon card ' you have that card no # XXXX I wrote letter dispute charges, complainted with the close card on bank saying it was investigate, synchrony bank let this went on for months I could not make payment, synchrony have cause my account to be 10 months behind could n't make payment have increase dollars amount of intrest fees on my credit report showing 130 -160 days late, synchrony have not credit this information. not fair of this company running my credit after I was given card ' same with TJX credit gave me limit 0f {$300.00} ran my credit put credit at {$100.00} on my credit report came back put XXXX back on credit I never use but {$100.00}. in debt XXXX that unfair pratice it got to stop as hard as I worked on my credit. 
Synchrony Bank approve me for XXXX credit Card stein mart, amazon T J X in XXXX of last year I made a reported to Synchrony bank that there was over {$890.00} charger on my card I 'm dispute it on amazon card ', synchrony bank call me all day every day. want correct my accounts asking me pay {$200.00} and {$300.00} a month with lost month the bank close account continues charge interest as high as {$25.00} a day when payment could have been paid because of there investigation for long months did not allow payment to be paid'closing both account.
Product: Debt collection

We have tried to settle the debt owed for the pst week XX/XX/2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.
Product: Debt collection

I'm made an agreement with IC Systems to settle an account. I spoke with three different people and all assured me on a recorded line that the collection would be removed from my credit report within 30-45 days of the account being settled. I made The last payment on XX/XX/XXXX, on XX/XX/XXXX, IC Systems closed the account which now shows as " Settled-less than full balance ''. I have the names of the three individuals that I spoke with written down at home but I can remember one name off the top of my head, XXXX XXXX. I feel that I was like to and give him false promises to collect this amount.
Product: Credit card

In XXXX of 2015 my hours at work were cut from 40 hrs to 20 hrs per week. I could not pay the full payment on my Walmart Discover card and started sending only {$100.00} which was all I could afford. On XXXX XXXX I called the number on my statement and spoke to XXXX. I explained what happened and he said he would have to connect me to an account specialist. Twice I waited on the line for ten minutes and no one ever picked up. I tried calling the number on the Synchrony Bank letter I received in the mail only for it to be XXXX. I would like someone to listen to what I have to say and stop adding late fees to an account I can not pay off any faster than I am. They also charge too much interest. I have not used this account in over three years and it has not gone down. I even dropped the XXXX insurance hoping it would make a difference but it did not.
Product: Credit card or prepaid card

I applied for an AMEX platinum credit card this morning on my mobile phone, with the hope that both myself and my husband can use it ( adding him as an authorized user ). Personally I am sick of long covid and not able to really travel anywhere, but my husband will still be utilize all the travel benefits and perks, which is the main reason I applied for the card in the first place. And based on my experience with all other banks such as XXXX XXXX, XXXX and XXXX, there was never a fee for adding one authorized user. And when I scroll through the landing page for AMEX there is nowhere clearly that shows that adding authorized user will incur an annual fee of {$170.00}, and therefore I made the decision to apply for the card. Only after I got approved by AMEX, then they starts to ask me do I want to add authorized users for a fee of {$170.00}, which is when I got caught by surprise completely.

Now that I have already applied for the card, my credit score got pulled, if I again cancel it right after it will just hurt my credit score even further. And I have called 3 times talking to different people on AMEX team to make a complaint and no one want to help me at all and they just say they didn't do anything wrong.

However, based on my understanding, all of these are clear violations of CFPB regulations on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures and on 1006.18 False, deceptive, or misleading representations.

I also feel the mis-presenting of these information is a discrimination towards disabled communities and long covid people, which is definitely not good practice.
Product: Credit reporting or other personal consumer reports

MY CREDIT PROFILE IS INNACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT