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

HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.
Product: Credit card or prepaid card

In XX/XX/2023, I was issued two American Express Reward Virtual Cards. Each for {$25.00}. Each with an expiration date of XX/XX/2023. On XX/XX/2023, I attempted to redeem one card in full in an online transaction. The payment was rejected. I attempted to use the card in other transactions with other online retailers. All were rejected. I had the same experience with the second card. 

On XX/XX/2023, I was able to access the card details at amexrewardcard.com for both cards. I verified that both cards had a balance of {$25.00} each. I also verified that the cards are valid until the last day of the month of the expiration date. 

On XX/XX/2023, I called the customer service number at XXXX. I spoke with XXXX. She verified that card one had a {$25.00} balance and I should try the card at other retailers. I followed her advice. I tried to use the card in full and in transactions smaller than the full balance of the card. All were denied. 

I do have documentation and can submit as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft a security breach and a mixed file. I have mailed proof of my identity several times only to be told it was never received. I have uploaded the same information through the upload portal since I do not have access to my credit profiles only to be told by some reps they see it and others they do not. I have called and spent hours over day in excess of 8 hours on some days trying to get help with this issue so it can be resolved and I can monitor my credit and begin the road to recovery from this mess. Yet these 3 agencies have not been helpful in any way. Despite me telling them I have mailed in the documents needed and uploaded them which has put this correction to my report and deletion of any file that has information that does not belong to me, they refuse to assist me and continue to tell me to mail in forms that will take an additional 30 days probably to receive and another 30 days to process if they even get to them at all. So if they never get them and I have waited 30 days to check now I have to send in the forms via mail again and wait another 30 the same as I have been since XXXX of 2022. I have requested help to make my online profile and account accessible to me and that has not been done. My account is unable to be verified online since they have my information mixed with someone else 's so when the systems try to authenticate me the authentication is unsuccessful. Despite this being what these companies should be able to do no one has been able to resolve this issue and provide me access to my credit reports then when I ask for them to be mailed to me they never arrive. I'm not sure what is in the air these days but people are comfortable with not doing their jobs and have the nerve to get upset the the person their lack of follow through or know how is affecting in a negative manner.
Product: Credit card or prepaid card

Im desperately trying to get help with my Care Credit account. I used my Care Credit by Synchrony Bank for a medical procedure. Unfortunately, Covid hit and I lost my income. I called in and worked out a payment arrangement but could not keep it up because I was facing eviction and car repossession. I am now working and want to pay my bill but when I call in, Im told I never had an account. I know this is false because I used it for XXXX. Im frustrated because I want to begin paying my debt. Ive called numerous times and the reps I talk to are not helpful. I get transferred every where and no one will help me. I am begging someone at Care Credit to find my account and work with me to start making monthly payments
Product: Credit card or prepaid card

I have an XXXX XXXX Citi Bank Mastercard. This account is set on autopay and pays the FULL amount off every month. I used the card for some medical bills this month, so knowing i was getting within a XXXX  of my limit, I began paying onto the card as I used it. I paid {$2000.00}, then {$1000.00}, then another {$1000.00}. I am currently several thousand from my limit of {$11000.00} and citbank has decided to lock my account and refuses to allow me to make charges.I have spent over 2 hours on the phone arguing with them over this. I never had any credit card company do this. I hold a credit score above 800, have never had a late payment, and actually have an XXXX card with no limit, but citibank is very argumentative and aggressive towards me when I have tried to resolve this issue. Initially they refused to even tell me why they blocked the account. Then they said it is blocked since I made several payments. XXXX, what the XXXX do they think. If I make several large charges I have to make extra payments. So apparently I am being persecuted for being financially responsible. This is now the third day my account is locked, and I am several thousand away from my limit, with no money due, and no pending charges, and my account is still locked. They are clearly violating fair credit standards in their aggressive actions towards me. 

See attached document that shows : 1. account is prepaid, 2. I have no payment due until XX/XX/2020, a month from now, 3. I am almost 5000 from my credit limit, 4.  Available credit is XXXX proving my account is locked.
Product: Credit reporting or other personal consumer reports

My TRANSUNION credit report was accessed without my consent. Fraudulent credit inquiries are showing on my TRANSUNION credit report. 

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

In accordance with the fair credit Reporting act XXXX Account # In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Received collection notice from Progressive Management System in XXXX of 2019. Contacted agency immediately to inform them I had applied and been approved for financial assistance from XXXX XXXX Hospital for whom they were collecting. Told them the amount my bill should only be 50 % of what they were showing due. The representative I spoke with told me " O.K., we will look into this and if we need anything else will be in touch with you. '' Shortly thereafter I received a bill directly from XXXX XXXX XXXX for office co-pays which I knew I had paid at the time of service. The gentleman from the hospital billing dept. explained to me that since I had a past due balance they had been applying my payments to the oldest balances I had open which I assumed included the past due balance with the collection agency. I paid the hospital bill at that time and thought that was the end of it. Recently while paying bills through my bill pay I decided to check my free credit score since I had recently open a new credit card. I have not had a negative mark on my credit report for over 10 years. My report will also show that I have made my payments when due 100 % of the time. I take great pride in making sure my credit rating is not damaged by late payments or failure to pay. When I checked my score I noticed it had dropped almost 50 points. I discovered that PMS had reported the original debt, at the original amount to my credit report. Had I been informed that PMS had failed to investigate I would have gladly paid the full amount just to keep it from not reporting. I disputed the amount of this debt when I received the collection agencies notice and expected them to investigate or at least direct me to supply them with written proof. According to the Brady Decision collection agencies are, at the very least, required to report a disputed debt as so. PMS did not. I do have documents stating that I was and am still approved for financial assistance with XXXX XXXX Hospital. 
The reason I had applied for assistance was because I was off work due to a XXXX. 
I have also included that paperwork.
Product: Payday loan, title loan, or personal loan

You ( Exeter ) stated that you do not communicate with or negotiate with borrowers. I am not a borrower ; I am, in fact, the true creditor. You also stated that you couldn't provide any evidence on the phone call concerning a repossession. I have the time and date of the call and also a recording of the specific incident that will, if possible, be used during litigation. My wife received the call while on her way to work, being that her number is on file. She was coerced into making a payment so the vehicle wouldn't be repossessed while she was working. The contract that I have with you is fraudulent, and I have sent legal documents with federal laws to you ( XXXX XXXX XXXX XXXX, XXXX XXXX ) that were violated. What I was signing was not made clear to me. I am demanding that you ( Exeter Finance, LLC ) remove this from my credit report ( XXXX, XXXX, and XXXX ) along with compensating me for each violation made in my contract. If this is not resolved within the next 15 days, I will file a 3949-A form with the IRS due to fraudulent activity, as well as sue for my mental distress, financial hardship, and violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I contacted Transunion about various accounts appearing in my credit report that I dont recognize. This indicates that my Identity has been compromised and my personal information is been misused. I dispute these accounts through their platform, uploaded an Identity Theft report and my driver license and proof of address. I request them to block all information resulting of identity theft however they failed to do so. Apparently they used an automatically system to respond. I need help. Please someone help me to resolve this issue.
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 XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


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 XXXX 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: Student loan

My federal student loans were all under the servicer XXXX. I had been signed up for an income-based payment plan since at least XXXX. Every year around XXXX or XXXX I would resubmit to stay within the plan. The history of that can be seen on my studentaid.gov account. The last monthly payment amount I was assigned to was $ XXXX. 

My loans have recently been transferred to Mohela. During that switch I received a notice dated XX/XX/XXXX that said my repayment plan renewal date has been extended. It said that I would not need to recertify until after XX/XX/XXXX. 

The first invoice I received under Mohela 's newest platform said I owed $ XXXX. I contacted the servicer and was able to speak to an XXXX on XX/XX/XXXX. She verified that my Mohela account was automatically set to standard repayment plan without me selecting to do so. She also verified and confirmed that she could see that my old account showed that I was enrolled into an income-based payment plan and that I had been paying {$350.00}. She said she would put the account on an administrative forbearance where the company would investigate what happened, but it would still accrue interest. She also said that per her supervisor, any minimum payment made would not count to my loan forgiveness. I would need to pay the entire amount that was said to be due. 

I received a new invoice in XXXX for the payment due XX/XX/XXXX and that payment said I owed {$5200.00}. Every time I have tried to contact the servicer back the lines are always a long wait. I have used the " request a call back '' option and never received XXXX. I have even emailed them and there has been no response. I paid what I could, but I don't make {$5000.00} a month. And if I did, I still have other monthly expenses that I need to cover such as my private student loans that unfortunately are now handled under this same servicer as of XX/XX/XXXX. 

I just received a new notice in the mail for XXXX 's payment stating I was past due and the payment still appears to be set at {$5200.00}. I have not received any notice of an update on the status of the investigation of the error to my account. Just a new notice. Now in addition to being stressed about this, I am now stressed out about my good credit score being marked for something that I didn't do. I pride myself on working hard and paying my bills on time, especially because I am trying to complete the repayment of my student loans.
Product: Vehicle loan or lease

SINCE XXXX WHEN I BOUGHT THE XXXX XXXX XXXX  XXXX. I HAVE BEEN MAKING EXCELLENT PAYMENTS ON MY CAR. IN XX/XX/XXXX, I STARTED TO FACE PROBLEMS MAKING PAYMENTS SO I SET UP AUTO PAYMENT WITH BY XXXX  XXXX XXXX ACCOUNT. PRIOR TO THE START DATE OF THE TIME I SET MY BANK TO START MAKING PAYMENT, I MADE PAYMENT ON XX/XX/XXXX VIA XXXX XXXX BILL PAYMENTS. ON XX/XX/XXXX PAYMENTS WERE MADE VIA MY XXXX  XXXX XXXX AUTO PAY, ON XX/XX/XXXX PAYMENTS WERE ALSO MADE BY XXXX  XXXX XXXX TO CHRYSLER CAPITAL ON MY BEHALF. NON OF THOSE PAYMENTS WERE CREDITED AS A RESULT I BECAME CONFUSED AND FELT CHEATED. I MADE SEVERAL CALLS BUT THEIR STAFF WERE VERY UNPROFESSIONAL. AT THAT POINT, I DECIDED TO STOP PAYMENTS UNTIL MY TWO PAYMENTS ARE CREDITED. I ALSO INFORMED THEM TO STOP CALLING ME UNTIL THEY CREDIT MY ACCOUNT. IN SUMMARY, I FEEL THAT SOMEONE IS TRYING TO FRAUDULENTLY TAKE MONEY FROM ME, DESTROY MY CREDIT AND STANDING AND MAYBE EMBARRASS ME WITH A REPOSSESSION
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report, which has been wrongfully verified by XXXX, XXXX, and Equifax as accurate, despite prior disputes. The continued reporting of this incorrect information is damaging and unjustified. I have included attached documentation that clearly disproves the information being reported.

This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623 ( b ), which mandate that credit bureaus and furnishers ensure the accuracy and integrity of the data they report.

Given this evidence, I am requesting the immediate removal of the inaccurate information from my credit report. The ongoing failure to correct these mistakes is unacceptable and must be resolved in compliance with the FCRA.
Product: Mortgage

I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.
Product: Credit card or prepaid card

This complaint is about the updater services that all credit card companies use. Visa is working on resolving this in good faith, but there must be some better regulation of credit card updating services. 

In mid XXXX, 2019, my son who shares my credit card, received an email from the virus protection company XXXX telling him they were renewing his yearly subscription and would bill VISA for {$100.00}. He had not had a yearly subscription with them in at least the past 5 years, if not longer. 

I immediately called the VISA who checked and could find no charge by XXXX on my VISA card for at least 5 past years I'd had that card number. But, to be safe, they issued me a new card which I received end of XX/XX/2019 with a new number. 

Saturday, XX/XX/2019, XXXX charged us {$100.00} on my NEW credit card number. This is exactly the problem I had tried to avoid. So I called VISA again. At first, when I called VISA, I was told that getting a new card could not stop recurring bills. 

When I called back, I was told that recurring bills should only be able to charge for up to a year. Since there was no record of a XXXX charge as far back as the Visa representative could look, this meant that XXXX had committed a fraud on VISA and on me. 

VISA updater service had given my new card number to XXXX and allowed them to charge me, even though there was no history of XXXX, and I had gotten the new card to stop this fraud. 

These updater services are insidious and must be better regulated or they are nothing more than free and unbridled access for every merchant to the consumer 's pocketbook. 

Visa is now sending me a new card and going to stop payment to XXXX. I don't blame them, I think the updater services are at fault.
Product: Debt collection

I am making my payments online XXXX XXXX. Maybe are received by company but not posted timely and I am being charged a late fee. 

Company had a change in address about XX/XX/XXXX and delays in posting payments. 

Please help me get a credit for the late fee charged by NewRez for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit card or prepaid card

Vendor : XXXX XXXX XXXX : Barclays VISA Uber   Credit Card Transaction Date : XX/XX/XXXX Amount : {$790.00} Planned date of travel : XX/XX/XXXX Panning date of return : XX/XX/XXXX XX/XX/XXXX - Initiated email contact with XXXX  for initial refund, but no response from 2 people due to the COVID-19 pandemic. 

Called XXXX XXXX and confirmed that the flight has been cancelled. 

XX/XX/XXXX - XX/XX/XXXX - Called Barclays VISA Uber credit card customer customer support regarding this dispute and only gave a conditional refund. 

XX/XX/XXXX - XXXX did a rebill and appeared back on the customer credit card. 

XX/XX/XXXX - Called Barclays regarding the transaction and wanted to resolve it but they are refusing email communication and only letters/fax for evidence of cancellation. 

XX/XX/XXXX - XXXX stated that they are not responsible for our refund and that we need to contact the bank - but stated we should receive a refund from XXXX which was very confusing. Called Barclays bank but never picked up ( assumed due to holiday ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately. 

The credit reports are attached showing these inaccuracies. 

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Today on XX/XX/ I am currently in XXXX visiting and woke up to my vehicle missing. I called the police to make a report only to find out that my car had been repossessed. I asked for the contact information of the company that took my vehicle to find out how did they know where I was and why did they take my vehicle. I was informed by XXXX XXXX that they ran my plate ( which was done without my knowledge nor consent ) and seen that it was in repossession status reported to their system by Exeter Finance. I spoke to Exeter asking them to release the car back to me due to an illegal repossession. They have refused and they are requesting over {$7000.00} to release my vehicle back to me.