23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The bank stated I was 94 days behind on my payments. The payments in question cleared by bank on XX/XX/XXXX in the amount of {$850.00} and payment of {$410.00} on XX/XX/XXXX Nothing was returned or refused by XXXX XXXXXXXX XXXX. 
I did receive my monthly payment statement showing that I was past due in the amount of {$360.00}. How is this possibly 94 days behind in payments when the payment was due XX/XX/XXXX 
After my car was repossessed, I was sent a payment history from the bank. The bank reversed my payments on XX/XX/XXXX and the reapplied them back to my account on XX/XX/XXXX 
Please, someone explain all this to me. The bank was very quick to dismiss my complaint and claims it has good customer service. Not according to the XXXX rating I've seen and all the negative comments I have read. 
Also, the bank said they repeatedly called me. That's all well and good. No messages were left for me and if this was as serious as it turned out, I would have appreciated a bit more effort on their part. 
I am attaching my documents to show what I am referring to. If the bank wants more documentation, please let me know. I would like an explanation of the processing of my payments and why were they credited back to my account if I was 94 days behind in my payments.
Product: Debt collection

I do not owe this bill, I contact the 1st party and the collection agency both stated will have disputed and closed out. This is now on my credit reported.
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$260.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : TRANSUNION XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is truly disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, Marcus Goldman, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that Marcus Goldman reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. Marcus Goldman will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Product: Credit reporting

My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was.
Product: Student loan

Contacted Navient XX/XX/2016 about changing due date for my loans. Date was changed to XX/XX/XXXX. Last paid balance XXXX/XXXX/16, discussed upcoming due dates of XXXX/XXXX/16 and XXXX/XXXX/16. Logged into Navient website XX/XX/XXXX and XX/XX/XXXX prior to XXXX/XXXX/16 showing no payment due and next payment due XXXX/XXXX/16 through AutoPay. All indications were that the account was current and that the next payment would in fact be XXXX/XXXX/16. There is no suggestion that the account is past due on " new '' Navient website or " old. '' Photos are attached to this complaint. Received via hardcopy dated XXXX/XXXX/16 that account is past due, there is a {$46.00} late fee, and I also note that interest rates are no longer being credited 0.25 % for AutoPay.
Product: Mortgage

Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan.
Product: Checking or savings account

An account was open in my name at Keybank in the State of Ohio without my knowledge. I found out about it while traitors open a bank account. 

It is NOT on my XXXX report but it is being reported on XXXX XXXX  reports. 

I have contacted XXXX XXXX and Keybank to no response of removal. 

XXXX XXXX  however provided these information to me. 

Key Bank ABA Number : XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

Using the app COINBASE I purchased a certain amount of tradable goods called XXXX. The purchase, as indicated by the purchase receipt, was a total of {$1000.00} USD in exchange for XXXX XXXX. Shortly after the purchase this good was " frozen '' and over the course of several days COINBASE changed the amount of holdings of XXXX to XXXX. While I understand the value of a holding will fluctuate the actual amount of said holding can not change without some action on my part. To date I have neither sold, nor traded away any of my holdings in XXXX. The amount has simply been altered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with Transunion and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX Transunion ) and reports as {$11000.00} to XXXX. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Product: Debt collection

I noticed that my ApplePay was blocked. I do not use this for transactions and wanted more information. It shows a transaction for Apple XXXX in XX/XX/XXXX which is did not authorize. I have never used Apple XXXX to download anything. Called ApplePay several times. Attempts were fruitless. I was told to contact Goldman Sachs bank. I explained and disputed the charge. Young female agent said she could not remove or refund because it did NOT meet the requirements. I repeatedly asked for explanation and what the requirements were. Girl agent after many delays said she could not release the formation to me. I contacted Apple again. Finally a helpful young man explained it was indeed an Apple XXXX charge in XX/XX/XXXX ( which I did NOT authorize ). He told me the app was preloaded on my XXXX. When I found the XXXX app is says welcome as of never used. I took screenshot. I have never used Apple XXXX and did not authorize the transaction. Neither Apple nor Goldman Sachs will remove the fraudulent charge or give me a reason why they will not. I have spent several HOURS trying to get this charge removed. They refuse. If I had inadvertently used the service, I would find a way to pay the charge. As I said, I did not authorize the transaction nor download any music I have sent the information to XXXX XXXX XXXX and our Ky XXXX of XXXX. I did not authorize this transaction ; my phone will prove I have never used Apple XXXX. This is theft/fraud and I can not get any resolution. My Apple account is XXXX. My phone number is XXXX. This is fraudulent and wrong. They are ruining my credit for {$12.00}. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX  : XXXX XXXX /XXXX XXXX XXXX XXXX. Experian : XXXX XXXX  : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian : XXXX XXXX XXXX XXXX
Product: Mortgage

There are late payments on my mortgage since XXXX XXXX. I have been paying every month and have been in contact with PennyMac regarding my payments. The late payments are as follows : 30 days past due as of XXXX XXXX to XXXX XXXX I wanted to see if there was anything that could be done about changing my due date and removing the late payments from my credit report. I feel that buy changing the due date, it will avoid any future late payments. I thought I was only about 21 days late and never 30.
Product: Mortgage

Our mortgage servicer, XXXX XXXX XXXX XXXX, reported a delinquent payment to a third party by means of a verification of mortgage. The payment in question falls within a 60-day RESPA period that occurred during a transfer of mortgage loan servicing earlier this year. The mortgage servicer acknowledges this but has declined to modify the verification of mortgage or provide a written explanation to the third party. This appears to be a violation of Reg X, 12 CFR 1024.33 ( c ) ( 1 ). which states that a during the 60-day RESPA period following the transfer of servicing of a mortgage loan, " a payment may not be treated as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid the debt off. I never received any calls, letters, or notices about this debt and that violates my 30 day right to dispute. I have paid and would like these collections off of my credit especially since i was not notified about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and Equifax for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Product: Credit reporting or other personal consumer reports

Called company and sent letter by certified mail requesting debt verification never received a response from Santander.
Product: Mortgage

Called wells fargo as they are charging me a whole months of interest and FHA is charging me a whole month of MI for XX/XX/XXXX even though I am refinancing and closing on XX/XX/XXXX. It is {$4800.00} dollars total that I am being robbed off ... this is completely absurd, unfair and ridiculous that these companies even get by with these kinds of things. FHA loans are for people who are already tight on money and to top it off, these companies want to steal peoples money for no reason. I am NOT paying 23 days of interest and mortgage insurance as it is not being serviced for those days and I will need to pay those on the refinance side. The wells fargo person I spoke with is XXXX XXXX. Her number is XXXX and her extension is XXXX. Please resolve this matter ASAP. Consumers should NOT be treated like this ... what kind of an unfair and terrible system is this where by companies are allowed to charge money to consumers as they please. Ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name : XXXX. Account number : XXXX. The account name and number above has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX i noticed my phone and wallet had went missing and XXXX next couple days as i contacted all my cards and everything i lovged in and seen a charge for the amount of {$1000.00} dollars from a merchant called XXXX XXXX  i did not make this charge i reported it to the authorities as well thr company cash app and they said the dispute was denied but this is wrong!! My pin number and everything were on the corner of the back in XXXX  because i would forget please belp me with this situafion i can not afford to lose that much money and i dont know if i need to get a lawyer or not.
Product: Debt collection

We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX has a late payment from XX/XX/year>, I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XX/XX/year> or remove this unverified late payment. ACCOUNT XXXX # XXXX Has a incomplete and inaccurate payment terms Please delete immediately Please see attached
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had opened my credit card in XXXX of XXXX. It was a personal credit card, not a business credit card. The name of the credit card is know as XXXX XXXX. Wells Fargo Bank closed out my credit card account on XX/XX/XXXX. My credit card was never paid late, not even once. I also never went over my credit limit. I opened a business checking account in XXXX with the same bank and my business itself did suffer throughout the year in XXXX, but I never used my credit card for that business in any way. I noticed in XXXX that once the business checking account had fallen into the negative for about {$300.00}, a few months later the bank closed out my personal credit card and then sent me a letter to my home with no descent explanation. Even when I called the bank one representative had told me he could not find any real explanation as to why the bank had closed out my personal credit card with them. I put in a request to speak to someone such as a manager and even when I did get that call a few days later from a manager, they still gave me generic info with no specific reason to the closure of my credit card other than they have the ability and right to close out any account at any given time. Closing out my personal credit card hurt my credit rating and was so uncalled for unless I had not taken care of that particular account in which again, I know I did. To resolve the problem, my request is that the bank reopen that account, or I will also file 2 more complaints. One with XXXX XXXX XXXX XXXX  and one with the NJ Attorney General Office.
Product: Debt collection

I have recently ( In XX/XX/2022 ) learned that an account ( XXXX XXXX XXXX phone ) was opened in my name. That phone bill was ran up to {$1600.00}. That account was later sold to CREDENCE RESOURCE MANAGEMENT ... ... .I have sent letters of denial and recently filed an Identity theft report with the FTC XXXX attached ) as well as sending CREDENCE RESOURCE MANAGEMENT the same. I have recently received notification from CREDENCE RESOURCE MANAGEMENT that they have investigated my previous denial letters and requests and have reached the conclusion that this account was validated and verified to be mine without actually providing ANY of the requested documents that are needed to complete their " INVESTIGATION ''.
Product: Credit card or prepaid card

Fraudulent charges from XXXX were made on my Citibank Sears Gold Mastercard. These {$14.00} charges began occurring in XXXX of 2018 and were turned into Citibank 's fraud investigation department. Three fraudulent XXXX charges of {$14.00} were made on this account totaling {$42.00}. It took about six months and numerous calls to finally learn that these charges had been deemed fraudulent and all associated interest and fees were to be removed from the account. Each time I called Citibank, I was assured the charges would be removed and the account would be cleared. However, the account has continued to accrue late fees and interest charges. After about 10 months, all charges and fees remained on my account and Citibank took steps to turn the charges they had deemed as fraudulent over to a collection agency. During my most recent call to Citibank I was informed that they could not make sense of the charges and would have to send the issue back to the investigations department for further review. It has been over a year and this issue is now in the hands of a collection agency and is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find incorrect accounts on my credit report, and I have no clue how they got there. I check my report regularly, but this time, there were errors that hadnt appeared before. Thinking it might be a glitch, I refreshed my browser, but the inaccurate accounts remained. Because of this issue, I ask that my submitted documents be carefully reviewed to ensure I never have to face this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

my wallet was stolen. someone tried to open several credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection 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
Product: Credit card or prepaid card

I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. 

The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. 

Is it really possible they would mail out a statement coupon with the wrong address?