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

I recently received a copy of my ( XXXX, Experian, XXXX ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX- ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting or other personal consumer reports

I have been working with a mortgage company in XXXX, NC, since XX/XX/year>. At that time they did a " soft pull '' of our credit. Since we haven't purchased a house yet, they require a " soft pull '' of our credit every 120 days from the XXXX credit reporting companies. XXXX and XXXX websites are extremely easy to log into and set up a temporary lift of our credit freezes. TransUnion is a nightmare. We can never get to the site where a freeze can be lifted. The message on their website is, " Sorry, we're having trouble showing the status of your credit freeze right now. '' When I call their XXXX service number I have to provide my full social security number and other information which I don't feel comfortable disclosing to an automated system. TransUnion doesn't provide a Live Chat service anymore. Finally, I was able to speak to a live person, but now we have to go through the whole call system again for my husband 's temporary freeze lift. XXXX and XXXX provide websites that work. Why can't TransUnion?
Product: Credit reporting or other personal consumer reports

I financed a used car purchase through Consumer Portfolio Services. I declared bankruptcy in XXXX of XXXX. The car, a XXXX XXXX XXXX was never included in the payment plan. I spoke with Consumer Portfolio customer service immediately because I was very upset that they refused to report my on-time payments, but they were extremely rude about it and told me to talk with my lawyer. I just left it alone as there were many other things going on. The payments were always made directly by me and on time and the car was paid off early about 2 years ago. I have submitted a dispute in XXXX, but still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX  is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order.

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out XXXX times over the last XXXX years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated XXXX XXXX. I have certified receipts of the mail being delivered as of XX/XX/XXXX, XXXX business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my disputes to Equifax on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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.
Product: Credit card or prepaid card

I paid my Torrid Credit Card balance to XXXX XX/XX/2022, to date the XXXX balance has not been reported to the credit bureaus. I called the company on XX/XX/XXXX to find out why and they told me they had a " system update '' that prevented the account from being reported properly and advised they would do a manual update in 2 days, as of this morning they card is still not reporting a XXXX balance. I've also had another XXXX balance statement generate since payment in full. 

If I was 30 days late, on day XXXX they would PROMPTLY be reporting my delinquency, I expect my payment in full to be reported JUST as promptly.
Product: Credit card or prepaid card

XX/XX/2020 at XXXX I called into capital one to have another card reissued and sent to my address. The previous card never made it to me by mail. When speaking with the agent and explaining that my card expired at the end of XXXX ( XX/XX/2020 ), the card they had sent never made it to me. She put me on hold and said that she will need to look into the account. 10 minutes later she said she would have to transfer me to speak with a specialty agent regarding issuing another card because it was considered fraudulent activity due to the card not reaching me. I was transferred and the next lady who didnt know a thing and I had to reexplain myself again. She too had said I needed to be transferred. The third person informed me that my account had in fact been closed and thats why he wasnt able to issue me another card. I requested to speak with a manger. I was transferred again. Spoke with someone who had me on hold for more than an hour to try and reinstate my card. He got back on the phone again to tell me that he had to put in a request to another department so they could investigate this and that the turn around time takes 7-10 business days. He said there was nothing else he could do and took my number down and said they would be contacting me. I have been a loyal costumer for 10 years. There was no fraudulent activity on my card and I never said there was. My account was in good standing and I just paid it off and all I needed was another card to start making purchases again.
Product: Mortgage

Roundpoint Mortgage didn't transfer my entire escrow balance to my new servicer when they sold my loan. They claim that they issued a check for the difference to me on XX/XX/XXXX. On XX/XX/XXXX, I reached out to Roundpoint Mortgage as i had not received the check. They said since it had been more than 30 days, they would reissue it. I called again on XX/XX/XXXX as I still had not received the check. The customer service representative said they would reissue the check and I should receive it by the end of XXXX. As of today, XX/XX/XXXX, I still have not received the check for {$110.00}. Roundpoint Mortgage has not provided answers as to why.
Product: Consumer Loan

I originated a Discover personal loan at {$4500.00} 6 or 7 months ago have made XXXX payments = $ XXXX on time never late and show owing $ XXXX bottom line is the interest being charged is shady. In review of statments some payments the bank took {$20.00} and applied to principal and the remaining {$95.00} is applied in interest? The on other statements its more evenly distributed. Is this fair? The bank can chose to randomly change the amount of principal and intrest applied from payment? Had i known it wasnt going to be an even and fair disribution of my payment i would of never took out this loan. There is no where to view the actual $ amount charged in interest on the loan. The bank only shows how much of the payment they applied to interest not how much was charged. Its shady and DISCOVER PERSONAL LOANS should be held accountable. I feel like ive paid an accessive amount of interest for only having originated this {$4500.00} loan 6 months ago
Product: Debt collection

south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. 

XXXX reports to me I don't owe them anything
Product: Credit card or prepaid card

OnXX/XX/2023, at XXXX XXXX XXXX. I loaded {$400.00} onto a Visa Vanilla Gift card, with the activations receipt included informing me that it was activated on XXXX end. I attempted for 20 minutes to activate and check the balance on their phone system and website. When I finally got through to customer service after 30 minutes, they informed me that my card was not activated correctly, but XXXX informed me that everything went smoothly on their end to activate the card. Vanilla could not manually activate my card and told me to send in my receipts and drivers license to make sure everything matched up. They also informed me it could take 30 days to receive any kind of answer or response from the company ( XXXX ) that handles these investigations. I bought this gift card in good faith that I would receive my money immediately after purchasing. I have attempted to contact my bank to see if they can issue a charge back, and submitted a complaint on the Better Business Bureau website. I am just looking to get this situation fixed and my money back.
Product: Debt collection

Wakefield and associates are out of XXXX XXXX. I have a feeling that its medical bills, but I had insurance during this time so I dont know why I have an outstanding balanceXXXX {$610.00} account number is XXXX XX/XX/year> {$750.00} account number is XXXX
Product: Credit card

XX/XX/year> I gave company my signature for a approved bank credit card account and they keep giving me a denied bank debit card account with a legal name error of approved bank credit card legal name. A bank credit card account comes with equal scale, ledger, and gold coin when you had me listed as a denied bank debit card account database by legal name error you need to correct your balance sheet as I am a bank credit card account with equal scale, gold ledger and coin. I need my stuff! I'm illiterate and I have to have a bank credit card account or else thats inhumane to an registered illiterate person than there's a bank denied debit card account XXXX blocking my access to finances from XXXX XXXX XXXX name rule & format. Bank debit card XXXX XXXX XXXX is denying my bank credit card legal name.
Product: Credit reporting or other personal consumer reports

Upon thorough review of my report, I have identified several discrepancies and inaccuracies that I believe are adversely affecting my creditworthiness. 

I recognize the importance of maintaining an accurate credit history and am fully committed to rectifying any errors. Therefore, I kindly request your assistance in investigating these discrepancies and, if found to be inaccurate, promptly removing them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Falsely reporting to my credit report {$10000.00} as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report {$14000.00} as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {$26000.00} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

XXXX XXXX XXXX - Falsely Reporting to my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX XXXX reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.
Product: Debt collection

In XXXX of XXXX I set up automatic deductions from my bank account to United Consumer Financial Services. The payments were scheduled for XX/XX/XXXX {$610.00} ( payment confirmation number XXXX ), XX/XX/XXXX {$610.00} ( payment confirmation number XXXX ) and XX/XX/XXXX {$600.00} ( payment confirmation number XXXX ). 

In XX/XX/XXXX, United Consumer Financial Services drafted {$600.00} from my bank account again. When I contacted United Consumer Financial Services they stated that there was a glitch in their system and they are just noticing, a year later, that payment was not confirmed. I contacted my banking institution and had the charge reversed. I contacted United Consumer Financial Services again asking why it would take a year to notice a glitch and never received an answer. 

United Consumer Financial Services has reported the non payment to all three credit bureau 's and my credit score has fallen by more than 160 points. I disputed the negative reports but United Consumer Financial Services continues to erroneously report me to the credit bureaus. United Consumer Financial Services has reported the alleged debt 3 separate times to the credit bureaus. I have the print outs of the payment confirmations as well as the emails that United Consumer Financial Services sent to me when payment was made. I am unable to purchase a home, car or move to a new apartment because of the impact to my credit score. I need help please.
Product: Student loan

I had an income based repayment and now they are stating that they can no longer to it ... I cant get a job in the field I went to school for because this school wasnt accrediated ... I dont understand why I'm even needing to pay these back when they should be forgiven.
Product: Credit reporting or other personal consumer reports

Improper use of consumer report. Please review attachments.
Product: Checking or savings account

will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. please help
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT WILLIAMS AND FUDGE XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : XXXX I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called and made a payment on my Citi Best Buy card of {$50.00}, on Saturday XX/XX/XXXX, it cleared my bank on Monday XX/XX/XXXX. They show no payment being made. They said I have to fax proof of my payment, not just a statement, it must be an electronic transmittal form that I pick up from the bank. 
It may take 7-10 days to settle the dispute, which means my payment will be late and I will get a late fee. This card is also part of a fraud dispute, someone got ahold of my number and tried to charge {$1000.00}, which didnt go through, only because I didnt have the funds available. When I called them they said to check my account for other charges that I may not have done. I did find one other charge for {$99.00}. The representative that I spoke with on Saturday said she credited my account for the {$99.00}, and that my new balance reflected the credit. When I called today, I was told it is not instantly credited to my account and may take 7-10 days. So Im sure you can understand my frustration of finding out my card has been hacked, and being told it was credited instantly to my account, and then today when I call, my balance does not reflect the credit or my payment!
Product: Checking or savings account

I was recently charged a {$3.00} " Paper Statement '' fee on my Key Bank Checking account. 

I am not worried about the {$3.00} ; however, to ensure this fee was legitimate, I contact Key Bank ; and requested they provide me with the terms and conditions of my account as this was a new charge. They said that they previously mailed it. I requested this in mail, again, -- -but they said that they could not do this ; as it was online.

I asked them to show me, where on my online account, it was ; and after being disconnected twice- they finally directed me to a public page -- -that had some information; but said nothing about the {$3.00} ( There was a different page that actually said 1 statement a month was free ; and additional requests were {$6.00} ). 

When I attempted to contact them again, I reached the same chat representatives ( XXXX and XXXX I tried multiple times to re-connect ; but they disconnected me each time. 

It appears as though Key bank is not being transparent with fee schedules and other terms and conditions with my account ; as they will not send me this by mail ; at my request -- and they have been unable to show me how to access it on my online account after several attempts.
Product: Money transfer, virtual currency, or money service

I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately.