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

I went into a financial hardship with Comenity Bank/XXXX in XXXX of XXXX that placed a late payment of 30 days, 60 days, starting in XXXX  30  days, XXXX 60 days, XXXX  60 days. XXXX  60 days, XXXX  30 days, then XXXX  30 days. I called this company and explained my situation that I was unable to pay my payment due to a financial hardship and they placed me in a hardship program paying {$40.00} per month without interest for a year. I have done that and also completed the hardship program and was placed back into payment status paying on time payments every month afterwards. In XXXX of XXXX I began to start regular payments. I began to seek Goodwill Adjustments to the late payments that was placed on my account with constant refusal to look into reasons. When I came off the Hardship program I was transferred to another financial company called XXXX XXXX  who is handling all payments at this time with continued on time payments with this company. I sent them a Good Will letter thinking that I can get an adjustment and they stated that if they did not place the late payments they would not be removed, I would have talk with Comenity Bank. So, I sent them another Goodwill letter about the late payments and how my paying this bill has been exceptionally good with no late payments just trying to pay this bill down. I received a letter from them stating they are unable to make any adjustments to my account. All I'm wanting is a chance to have a fresh start at making improvements on my credit so that I may be able to purchase a home in the upcoming year, and to show them that I can be financial dependable in my finances along with a chance to fix my credit ratings. Comenity Bank shows no consideration to their current or pass customers as to forgiveness for hardships and considering the blemishes these late payments has caused even after the consumer go an extra mile in satisfying a road to Goodwill.
Product: Credit card

On XXXX XXXX, 2016, I received an email from Bank of America suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway.
Product: Credit card or prepaid card

This is regarding the dispute for XXXX XXXX from XX/XX/31 in the amount of {$790.00}. I have provided enough supporting documentation to prove my case here. This business fraudulently charged my card for service which was not provided as advertised. They do not follow NJ law with respect to the service they are allegedly providing. I have done all I can to have this charge reversed and this is my final attempt. If there is no resolution after this, I will be winding down my spend on this card and across my other AMEX cards to almost nothing and will refrain from doing business with XXXX and Amex in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a pre-qualified offer for Citi AAdvantage Platinum Select Credit Card. 
Since I fly on the XXXX XXXX often and the card presented appealing benefits on par with some of my other cards, I decided to apply. 

On XX/XX/XXXX, I received a denial letter with the reason stating that my name came up as a match on a list administered by the US Treasury 's OFAC and that I am subject of sanctions. 

As an XXXX  who has lived in the United States for over 22 years, this caused a great deal of emotional distress as I had to call multiple federal agencies to confirm that I am not indeed on the OFAC nor that my name in anyway should have come up. 

I tried to call Citi to clarify this issue and was shifted between departments until ultimately the call was dropped. 

An accusation such as this is not only emotionally damning, but even any reference to this can negatively impact an XXXX  in the United States and the fact that the bank has no recourse for this is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loan under my name and cosigner, with Firstmark since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact Firstmart for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. Firstmark did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and Firstmark can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and Firstmark did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX  little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment to be updated.

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 th
an 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

CONTINUED FROM COMPLAINT XXXX JEFFERSON CAPITAL PURSUANT TO 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

I THE CONSUMER IAM AWARE THAT I AM ENTITLED TO MONTARY RELIEF UNDER CERTAIN CIRCUMSTANCES. HAVE SUSTAINED DAMAGES BECAUSE OF YOUR PRACTICES. I HAVE BEEN DENIED FOR CREDIT MANY TIMES DUE TO YOUR UNLAWFUL FURNISING OF COLLECTIONS TO CONSUMER REPORTING AGENCYS. I ALSO HAVE TO PAY HIGHER INTREST RATES WHEN I AM APPROVED. I HAVE NOT BE ABLE TO HAVE A GOOD RELATIONSHIP BECAUSE OF YOU. I AM DEMANDING YOU SHOW A GOOD FAITH AN MEET MY DEMANDS AND WE MAKE SOME TYPE OF AN AGREEMENT. 

YOU KNOW THAT YOU VIOLATED LAWS YOU REMOVED ACCOUNT FROM REPORT HOWEVER YOU DIDNT WANT TO PROVIDE MONTARY RELIEF. WELL DELETION IS ADMISSION OF WRONG DOING I RATHER SETTLE THIS MATTER WITH OUT LEGAL ACTION. IF SOME TYPE OF AGREEMENT IS NOT MADE LEGAL ACTION OR ARBITRATION WILL BE NEXT. 

AS I THE CONSUMER HASNT DONE ANY BUISNESS WITH THIS COMPANY THEY HAVE NOT PROVIDED NOR HAVE I SIGNED ANY ARBITRATION AGREEMENT WITH. IN THAT CASE I THE CONSUMER MAY USE ANY METHOD OF CHOICE. 

YOU CAN NOT DECLINE MY REQUEST FOR MONTARY RELIEF IF YOU BROKE THE LAW, I HAVE PROOF OF YOU VIOLATION. I HAVE PROOF OF YOUR UNFAIR AN DECEPTIVE PRACTICES. 

AS STATED ABOVE GOING THE LEGAL WAY WILL COST THIS COMPANY WAY MORE TIME AN MONEY HOWEVER, I AM WILLING TO FIGHT FOR MY CONSUMER RIGHTS I KNOW MY RIGHTS I INTEND TO ENFORCE THEM AT ALL TIMES. 

A GOOD FAITH EFFORT WOULD BE GREATLY APPRICATED A GOOD FAITH EFFORT SHALL RESOLVE THIS SITUATION I THE CONSUMER AGREE TO SIGN TO ANY NON-DISCLOSURE AN NOT SHARE INFORMATION ABOUT RECIEVING ANY MONTARY RELIEF WITH RESPECT TO THE COMPANIES CURRENT CLIENTS. 

THE ABOVE ONLY APPLIES ONCE A MONTARY RELIEF PAYMENT HAS BEEN MADE OR ARRANGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Vehicle loan or lease

I received my loan through Santander consumer USA back in XXXX of XXXX. 
My husband lost his job back in the middle of XXXX spoke to Santander about payment arrangement had payment arrangement set was making monthly payments my last payment was XXXX XXXX XXXX  they closed my account XXXX XXXX XXXX have not received a phone call email or any kind of statements or bills in the mail from them since then my car got repossessed last night and I was informed that they reopened my account and put a repossession into effect without my knowledge. I also was under the understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I can not get anyone to give me any kind of information on how to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account
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 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.

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

XX/XX/XXXX and XX/XX/XXXX two fraud transactions appeared on my Citizens Checking account, both for the same amount and both {$5000.00}. I filed a claim on XX/XX/XXXX. I called back XXXX days later and was told that this was closed out and no reason why. I received nothing in the mail, no email, and no phone call. I asked to reopen the case. About a week later I called back and was told the same. This time i went into a branch and the branch assisted with the back office. Two weeks go by and no resolution, i went in again to a branch and they did they same thing again. This happened to more times at the branch and two online. Every time there is a big apology but no resolution and the cycle starts over again. It's now XX/XX/XXXX and my funds are still missing. It seems as if the claims department is remiss in their duties or my case is so unique the process is incapable of resolving this on it's own. I'm feeling helpless. I've logged 17 hours of time either on the phone or at the branch 4 times.
Product: Vehicle loan or lease

I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX
Product: Debt collection

SOLO FUNDS SENT MY ACCT ( PERSONAL LOAN ) FROM XX/XX/XXXX TO A 3RD PARTY DEBT XXXX XXXXXXXX XXXX XXXX. I FILED XXXX  XXXX BANKRUPTCY ON XXXX Case XXXX. On XX/XX/XXXX i received an email from XXXX XXXX XXXX stating they were COLLECTING XXXX FOR SOLO FUNDS AND I RESPONDED WITH AN EMAIL ADVISING OF BANKRUPTCY. THIS WAS THE LAST I HEARD FROM THEM. i HAVE NEVER HEARD FROM SOLO FUNDS DIRECTLY. MY BANKRUPTCY WAS XXXX ON XXXX oN XX/XX/XXXX SOLO FUNDS DEDUCTED XXXX FROM MY BANK. WIPING ME OUT AND MY CONTACT WITH THEM RESULTED IN AN ADVISORY THAT THEY WOULD BE IN TOUCH. THIS IS A VIOLATION OF MY DISCHARGE. THE FUNDS WERE NOT AUTH FOR REPAYMENT AND THEY WERE ADVISED OF THE BANKRUPTCY WHICH THEY IGNORED
Product: Payday loan, title loan, personal loan, or advance loan

I went through Mosaic lending to pay for the installation of solar at my residence. I was being charged interest from the time my loan was accepted, until I made my first payment, which was after installation. The details of the interest were hidden and not conspicuous. Had I known I was being charged interest from the day of approval, and not of actual installation- which was also the same time I received notification to make my first payment, I would have paid on the loan to avoid the interest accruing. 

Also, since interest is applied on a daily basis, the company delays the actual payment, or transaction date, for several days. Therefore I am paying interest on additional days that I should not, if the payment was applied at the time of actual payment, or even taking into consideration for time differences between business times. 

I have spoken to several representatives, but they are unable to apply the payments immediately, or even the next day. It appears that it is a systematic method of " nickle and diming '' or gaming the system to maximize their proceeds from interest. 

My Mosaic account number is XXXX, and I just paid if off completely, or so I think, since I'll probably get hit with interest since they don't apply the payments immediately.
Product: Mortgage

My mortgage is escrowed and the mortgage company is responsible for making the property tax payments. I have made all of my payments on time. When my loan servicing transferred to Freedom, they had my escrow payment incorrect. I called to correct the issue and pay a higher amount to cover my property taxes. I received a notice in the mail yesterday that the county has placed a tax lien on my property due to unpaid property taxes. I have a FHA loan, the property taxes should have been paid by the mortgage company. This is not only public record that my property has a tax lien against it, but it will affect my credit as well. When the mortgage company contacted me back about my issue, they said it was the prior servicer 's responsibility to pay those taxes even though they were due when the current company was servicing the loan. They also told me that it was my responsibility to notify the mortgage company that they need to pay the property taxes. Freedom Mortgage made a huge mistake by not paying my property taxes through the escrow account that I pay towards every month.
Product: Checking or savings account

Both chase and XXXX XXXX have wrongly accused me of having fraudulent activity therefore after placing these inaccurate false lies on my early warning system report and not removing them as asked. I have asked them kindly to remove this off of my report as I have been a victim of fraud and they refuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX Creditor : 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 an account without my written instructions. 

Based on my knowledge, I don't owe this debt collector.