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

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an Equifax a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and Equifax. Never hear back from them. I recently called XXXX and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Product: Money transfer, virtual currency, or money service

I was told this person needed money and that he would pay me back but after I sent the money to XXXX I did not get anything back nor did they ever contact me. I am very upset about this and I wish it never happened since I am a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Ally Financial Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous XXXX late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a XXXX late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with Ally Financial. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the XXXX late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust Ally Financial values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE IT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Debt collection

This number ( XXXX ) has repeatedly called and I just received my number today, therefore I have no connection to this company. I called them back and they immediately demanded my name and social security number. I verified my phone number with them and explained that since this is a new number to me I have nothing to do with them. They continued to demand my personal information and became rude and aggressive when I told them to stop calling me. They still refused to say anything other than they were a debt collector trying to collect from me. I do not owe anything to them.
Product: Credit card

My complaint is about the charge back process, which favors merchants and does not provide enough protection against fraud. 

In XX/XX/XXXX, I rented a car and was charged a {$200.00} security deposit, which went on my credit card. By XX/XX/XXXX, the funds had not been refunded to my card, but there was no reason for the merchant ( the car rental company ) to keep my deposit. Attempts to contact the merchant were unsuccessful, so I issued a chargeback with my credit card company ( Citicard ). The merchant disputed the chargeback in a salacious manner, accusing me of trying to steal from them. I contacted my credit card company again, and they told me that I had to provide a valid credit slip from the merchant in order for the credit to be issued. This is problematic, as the reason I disputed the charge in the first place was because I could not contact the merchant to get an answer! I requested a " valid credit slip '' from the merchant three times, and each time was provided something that the credit card company would not accept. As a consumer, I was unfamiliar with what a " valid credit slip '' was and I had no way to force the merchant to provide me the correct documentation. After all, they already had my money. By the time they finally provided the correct documentation, too much time had passed in the chargeback process for them to intervene anymore. I now believe that the delay tactics were intentional by the merchant so that the chargeback would be unsuccessful and they could keep my funds. 

My complaint is that the chargeback process is set up to favor merchants, not consumers. I use my credit card because I believed it offered certain protections, but I do n't feel like those protections served me here. I was told by the credit card company that, per chargeback rules set by XXXX, after the dispute is made, ANY response from the merchant means the issue is sided in their favor. Even after I provided ample documentation proving I was due the funds ( including a signed letter from the company ), they were unwilling to assist me. The merchant is now refusing to return the funds via another manner. I 've already reported them for fraud, but I am making this complaint because i believe the chargeback process does not provide enough consumer protection.
Product: Credit card

JCPenney card holder for many years, inadvertently missed a payment or two over the past couple of years, but only by a day or two - I was travelling and not able to contact or be online. JCP/Synchrony charged {$41.00} late fee, more than the actual minimum payment due. Further, they increased the interest rate to an unconscionable amount. 

Yesterday ( monthly payment due date ) I called and asked for the late fee to be removed but was denied. The amount due was only the prior month 's late fee ( {$41.00} ). This morning I closed the account.
Product: Debt collection

I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.
Product: Payday loan, title loan, or personal loan

I have a installation loan, and payment are due XXXX of each month, I was late more than 10 days, so when I initiated payment, the associates said I need to come in and speak to the branch manager, I rejected because normally I make a payment by phone to using debit card. She then informed me I had to make payment for 2 months, in which I did. A fews days later I had a credit alert by XXXX XXXX, that account was closed and was was reopen. I didnt approve this, the company took it upon themselves to do this with your my knowledge. Normally if you are later you pay the late charges. Is this legal?
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to provide proof, that contradicts my evidence, as to why an erroneous bankruptcy is being reported by them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies Equifax, XXXX and XXXX I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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  XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to timely and properly apply requested due date change. They also did not process agreed upon extension for the months of XX/XX/XXXX and XX/XX/XXXX. 

When following up as I was alerted to credit delinquencies I was advised of employee error for which coaching has been provided and it would be remedied within 1-2 billing cycles. I received countless closures as a result of this not so much as an I'm sorry or monetary relief they simply kept giving me the runaround time after time. 

Then in XX/XX/XXXX they advised account is covered for covid 19 plan NO PAYMENT DUE. They advised interest would still continue to accrue so pay what I could during XXXX XXXX and XXXX the months initially processed for Covid 19 from certified XXXX XXXX XXXX letter that they accepted. 

Imagine my surprise when not only did they not fix the prior to as advised by several parties including XXXX XXXX office, XXXX closed accounts and countless other supervisors on a recorded line with CRA Execs. 

I was then informed they would not speak to me nor accept payments because account was coded cease and desist and litigation they froze my portal for payments in XXXX after dispute and nothing works to this day over 2 years later. The old account was paid off and I acquired a new loan through only because it was further guaranteed account would be rectified and portal fixed yet it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus ( XXXX, XXXX, and TransUnion ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, TransUnion, XXXX  ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 accounts reporting on Experian are not my accounts. Please remove them. I am not a credit repair company nor a mortgage company. I provided you my personal documentation. Thank you.
Product: Prepaid card

Through my employer I won a {$100.00} gift card and I was allowed to select the card ( SEARS ) that I wanted. My intent was to use the proceeds to make a payment on my Sears Card. There were no disclosures or limitations on used listed at my time of purchase. When I received the card later that day electronically, there was a list of limitation applied. I would not have selected their card had I known what I know now. I went to the my local Sears store and the manager advised me I can only use for purchases. 
I believe this is a deceptive practice and that it should be investigated.
Product: Mortgage

On or about XX/XX/XXXX, Loan Number # XXXX serviced by Specialized Loan Servicing, LLC ( hereafter called SLS and corporately owned by XXXX XXXX XXXX XXXX Specialized Loan Servicing, LLC ) was paid in full by wire transfer. Forwarding address was provided at the time of payoff thru the Settlement Attorney. SLS claims to have sent a check to the former property and the forwarding address. 

An overpayment of in excess of {$650.00} was made and the refund ( as of this complaint ) has never been received. Many attempts have been made with SLS and without any follow up. Recent attempts include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Other calls have been made and can be research if needed. 

The reply given today is that the refund is too old for SLS to provide a refund but that they would continue to research the matter. Supervisors have been requested but are never available and the Corporate Office has an endless phone transfer system. 

Lenders and Servicers are required under both Federal Law ( 12 US Code Cite 2605 and 1024.17 Escrow Accounts ) and in the Commonwealth of Virginia ( Chapter # 16,6.2-1618 ) to refund escrows and provide a timely accounting. 

Help is needed to secure the overpayment and returned to the borrow without further delay. Also, the original recorded Release or Satisfaction of Mortgage was never received ( although a copy was provided by email ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 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 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 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 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, 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Chase Credit Card company reported my account as delinquent. However, my account is not in delinquent or late status because my bill is due the XXXX of each month and was in process of being withdrawn from my bank account on XX/XX/2020.
Product: Vehicle loan or lease

My vehicle is a XXXX  XXXX XXXX, yes I got behind but continued to make payments, I would deliver payments to one of the Wells fargo banks in person, made payments above the installment agreement. Wells Fargo kept hitting me with fees and extra interest as well as late payment charges. I have paid over 50,000 dollars to this bank on this trunk, remaining money owed is less than 4,000, the truck would have been paid for if not for Wells Fargo 's attempt to " take '' my asset. Yes, I am in financial trouble but I had been paying for the truck. Wells Fargo uses the credit/personal information bureaus to determine easy targets to take people 's assets I believe. This past summer I made extra payments every single month and then Wells Fargo auto finance began to send me " bank '' checks back to my address as if I would cash them, they transferred my account to another account and I only have a telephone number, they will offer me NO written correspondence as to how I can safely proceed with finishing this loan out. Eventually I had them to agree to put almost 2,000 dollars back against my loan that they had tried to send me payment checks back for. These are payments I made at the bank that they accepted and cashed my check payments. I would just as soon they give me my title as the payoff should be XXXX at this point! I will burn the asset before I give it to them! Wells Fargo is facing a XXXX dollar fine at this point with the FTC, it should be XXXX XXXX dollars and they should be stripped of the ability to steal from consumers ever again. I was one of the people when I had plenty of money they opened new accounts for without my permission and when the so called " opening balance '' fell below what they had opened these fake accounts at they started charging me added fees for my balance being below 65,000 dollars? I don't have much any longer, I'm about to go bust bankrupt wise but I need help and I want these people that orchestrate these criminal acts prosecuted to the fullest ability of the law! I want my title to my asset and this mess closed. I am not alone in this mess, hundreds of thousands of Americans have been taken for a ride with Wells Fargo. When I bought the truck, my credit score was XXXX on the XXXX scale, after I got the truck Wells Fargo would do credit checks to lower my score every single month until I caught on to what they were doing to intentionally lower my credit score and of which I filed one of these reports and they were forced to stop because they knew if they could lower my score I could not get a better finance rate as they well know when someone with a high score is paying 8 % interest at the time that many will come knocking to refinance your rate. It's not just me, they do or did this to everyone! XXXX XXXX XXXX, he owns and controls this bank.
Product: Checking or savings account

Chase closed my account with no notice and zero communication and only says wait wait wait with no answer even now. Just told to wait and call back next week. For MANY months now.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit report. 
Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} Inquiries : XXXX. XXXX XXXXXXXX  o Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX XXXX  o Date : XX/XX/XXXX
Product: Debt collection

On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Equifax is required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.