23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The following address is listed on my Experian credit report and is inaccurate : XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

I get a financial assistance from Hospital what cover ALL other procedure I did, including wall radiology services. 
Because of the pandemic took a long time to receive a response from hospital about the financial assistance. When I received the letter from XXXX XXXX  XXXX I called them. At this time all services in United States was stopped and communicated with all companies was hard, especially because most of them are closed by government decisions. Wasnt my fault. The company didnt wait because they just wanted to danger my credit and sell the debit. They didnt have any respect for paciente, people sick, in a Pandemic that destroy many lifes. 
I already did a dispute what was removed from my credit in XXXX  and XXXX, but they dont remove from XXXX. I called them today and they told me they will put in collections again in XXXX and XXXX  again, what I think is at least imoral. I never had credit problems in my original country and here I dont understand why companies are so abuse.the company is GLA Colection COMPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO ALL COMPANIES NO LESS THAN THREE TIMES. COMPANY HAS FAILED TO VALIDATE THE DEBT EVEN THOUGH THE DEBT IS REPORTING INCONSISTENTLY ACROSS CREDIT BUREAUS. THEY HAVE IGNORED MY REQUEST AND VIOLATED MY CONSUMER RIGHTS. PLEASE HELP AS THESE OUTRAGEOUS REPORTINGS ARE STOPPING ME AND MY FAMILY FROM OBTAINING HOUSING. PLEASE HELP ME TO REMOVE THESE ACCOUNTS IMMEDIATELY.
Product: Credit card or prepaid card

To whom it may concern : I am having a completely poor customer experience with the XXXX XXXX barclay 's MasterCard. I have been complaining for over a month about the card, the customer service, the website, etc. 

I want to pay off the card and completely close/cancel the account, however your website will not allow me to log in nor will it allow me to reset login name and password. 

I've called into Customer Service at XXXX and the Customer Service Reps are totally lost on resolving my issue. In additional sent letters to Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX and still no response after greater than 30 days. 

Note : If this account goes past due, I will not pay any late fees. I've complained so many times over the past month, without anyone emailing me or giving me a call in attempt to help. I am also turning this into the better business bureau. 

I did not have any of these issues when XXXX XXXX card services were with XXXX. The migration to barclays has been a total failure. 

I need this business to contact me so that I can pay off the bill and close the account. 
I NO LONGER WANT TO DO BUSINESS WITH MASTER CARD/BARCLAYS/XXXX  XXXX XXXX I ALSO WANT FOR MY REWARDS POINTS TO BE TURNED INTO CREDIT ON THE ACCOUNT OR CASH PAYOUT. 

Last Four of Account : XXXX Exp Date : XX/XX/27 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian requesting them verify 3 alleged debts they have reporting on my credit report 30 days ago. They have not furnished any documentations or responded to my request within 30 days. I have also asked them to remove alleged accounts due to no proof that the alleged debt is validated. I have referenced the FCRA which clearly states that any information known to be false or can't be verified must be DELETED from my consumer credit report. Please see attached documents that displays my communication with Experian.
Product: Credit card or prepaid card

Continental financial reported a missing payment of 30days Late for the month of XX/XX/2022. I paid the creditor on time and I doubled the payment. I was never 31 days late with this creditor. I even disputed the creditor and sent payment documents that I wasnt late and paid in timely manner. The dispute reported accurate from creditor but its incorrect and I need further investigation with this creditor.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX being duly sworn, depose and state as follows under penalty of perjury : 1. My name is XXXX XXXX XXXX XXXX, and I am presently XXXX XXXX XXXX. 

2. My current address of residence is XXXX XXXX XXXX, XXXX, LA XXXX. 

3. The purpose of this affidavit is to attest to the fact that I have never co-signed for a vehicle, specifically a XXXX XXXX XXXX XXXX  with ending account number XXXX, despite claims made by Ally Financial Bank stating that I did.

4. Upon further investigation, I discovered that my signature was forged in connection with this alleged co-signing, which constitutes a crime under Louisiana law ( La. R.S. 14:72 ) regarding forgery.

5. I was the CEO of a company that may have been involved with this vehicle, but I have never co-signed for any vehicle, and I am no longer the CEO of that company.

6. Ally Financial Bank is claiming that I owe approximately {$15000.00}, which is false and unsubstantiated.

7. The credit bureaus, including XXXX, XXXX, and XXXX, are responsible for damages, as they allowed this inaccurate information to be reported on my accounts. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, they have failed to do so in this case.

8. This inquiry never appeared on my credit report, nor was it reported as if I were co-signing. I did not become aware of this issue until it reached charge-off status.

9. Had I co-signed, there would have been an inquiry on my report, and my credit score would have been affected accordingly, but this has not occurred.

10. There exists a conflict of interest, as I have a personal account with Ally Financial Bank, and they improperly shared my personal information to benefit themselves regarding the charge-off of the business account 11. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) illustrates the responsibilities of credit bureaus to ensure the accuracy of reported information. The court ruled in favor of the consumer when the credit bureau failed to investigate a dispute adequately.

12. In XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ), the court found that credit reporting agencies violated the Fair Credit Reporting Act by failing to correct inaccurate information after being notified, leading to damages for the consumer.

13. I have never received any Form 1099-C regarding the charge-off. According to IRS regulations, a 1099-C is issued when a debt is canceled or forgiven, which would indicate that the debt was written off for tax purposes. The failure to provide this form constitutes a potential violation of IRS regulations and suggests fraudulent activity on the part of Ally Financial Bank.

I hereby swear or affirm that the information above is true accurate and complete to the best of my knowledge, and that no relevant information has been omitted.
Product: Mortgage

I have been dealing with Simmons Bank for over 2yrs to close a HELOC that should have been closed in XXXX ( it's XXXX! ). Simmons Bank held both my primary mortgage and HELOC in XXXX, TN from XXXX. The local team who handled all my banking needs were excellent. They provided support that I felt was above and beyond what I've experienced dealing with numerous banks over the years. During my XXXX career I moved 12 times and have owned many homes in the process so have some experience dealing with banks. I sold and closed on the home in late XXXX at which time both the HELOC and primary mortgage were closed out. In the year following the closing of the property I received several blank HELOC statements and made numerous calls to Customer Svc to ask them to close out the line of credit. On every occasion, I was told it would be handled. In XXXX during a refinance on my current home, I was informed from my lender that I have an active HELOC at XXXX. I called Customer Service and once again was told it would be handled and they asked me to sign and forward a form to complete the process. I immediately signed and forwarded the form. Today, XX/XX/XXXX, I receive another statement and late fee for my XXXX annual fee ... yes people, you can't make this up! I called immediately and spoke to a Customer Service rep who couldn't assist me but wanted to put me in touch with the local branch that I dealt with back in XXXX. I asked to speak with a Supervisor and was told she wa n't permitted to do so. She asked for my contact information to have the Loan Officer reach out to me which I provided. I asked for the Loan Officer 's name and number which she informed me she could only provide their first name. Now that's customer service!! At this point, I'm concerned about their poor administration and handling of this matter. Especially since they are showing a late payment and likely may or have reported to the credit agencies. So, impact to my credit rating? Let alone, there's a HELOC in my name against a property I haven't owned in 2 1/2yrs which could easily be subject to fraudulent activity.
Product: Credit reporting or other personal consumer reports

I've recently had my XXXX and Equifax accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Product: Credit reporting

A unpaid medical bill showed up on my Equifax credit report. The problem is I never received those services from XXXX XXXX. I have never been to XXXX of their locations and it is possible someone stole my information. The bill is for XXXX dollars and the date of the charge was XXXX XXXX 2015. This is not me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. Experian on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing
Product: Credit card or prepaid card

On XX/XX/2021, I took advantage of a balance transfer offer from Capital One. I transferred {$9800.00} and was assessed a balance transfer fee of {$190.00}. I didn't receive this {$9800.00}. I called to check on it a week later as it had been deducted from the card even though I hadn't received it. The representative I spoke to didn't understand I hadn't received it it, just continued talking about what the offer was. She finally got me to a superior, who upon looking into it told me a check had been mailed ( rather than a direct transfer into the account ). I cancelled the balance transfer. This was on XX/XX/2021. They removed the balance transfer but not the {$190.00} fee. The agent told me it would take a billing cycle for the fee to be removed. I spent nearly and hour on the phone getting this taking care of. 

It is now XX/XX/2021. The {$190.00} fee has still not been removed. So I called customer service again, only to get caught up in some medical alert advertisement. Twice. So I called technical online support in order to access customer service somehow. The agent there researched this for a period of time and then sent me over to a transactions department, who needed all this information again. Then, upon her researching it, she acted as if the fee were supposed to be assessed. I finally got through to her that I had reversed the balance transfer. She had me on the phone over half an hour looking into this and discussing it with an " account specialist. '' Then she transferred me over to an account specialist! It turns out she couldn't do anything herself and simply wasted my time. The account specialist went over this, for a third time, with me, and is right now having me on hold as she, well, I don't know what she's going to do. I am writing while having to wait on hold, now nearly an hour into this call. 

Well actually, they have just now hung up on me. Probably not intentionally, but they have not called me back. This means I'm going to have to call and go through this whole hour plus process again just to get money they are supposed to have automatically returned to me. And risk the same thing happening again... 

Clearly Capital One had nothing in place to remove this balance transfer fee. It was not going to happen automatically. They were quite content to keep {$190.00} that was not theirs. This balance transfer fee refund should have happened immediately. ( Had I cashed that check, which I destroyed as promised, they could have immediately reassesed the {$190.00}. ) Instead, I have had to call to get a series of runarounds and put significant energy and effort into getting back money that I do not owe. 

This has gone from feeling like a series of mistakes to intentional fraud. I'm not sure how they're allowed to get away with this. Capital One still has {$190.00} of my money that does not belong to them. I have no idea what it is going to take to be successful in having it returned to me. How are they allowed to do this? Is this not akin to theft or fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with XXXX XXXX. When they pulled my credit report from Experian, they released my contact information and the fact that I had applied for a mortgage to many many other brokers. I have received 60-70 unsolicited calls. It is harassment to the highest degree and I did not authorize any release of information.
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.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The Experian ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Product: Checking or savings account

I applied for Valley National Bank XXXX XXXX Account on Monday XX/XX/XXXX. I called into customer service ( XXXX ) XXXX on Saturday, XX/XX/XXXX to confirm that as an existing customer with an existing account that I would be eligible for this new account promotion where I would receive {$200.00} for opening a new Premier Checking Account and setting up direct deposit. The customer service representative informed that I was indeed eligible because there were no terms that required me to be a new customer. Since I was having problems submitting the application, I called customer service to help me with the application on Monday XX/XX/XXXX. After a long hold, in which I had successfully submitted the XXXX XXXX Account application online, they informed me that I was not eligible for the account because it was only for mortgage and new checking customers only. However, this was not mentioned on the page promoting this account or in their terms and conditions. They went to investigate this and called me back 10 minutes later. The customer service directed me to another page that conveniently had this language that the account was " available to mortgage and new checking customers only. '' This two different pages did not even link to each other. I attached a copy of the terms and conditions that did not mention that I had to be a new customer to receive the bonus ( under XXXX ) and the page I was sent to after calling them that had their new customer requirement ( under XXXX ) both with today 's timestamp so they can not claim it had been there all along.
Product: Credit reporting

Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX account number XXXX, date opened, XX/XX/XXXX. 
Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated because in accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Product: Credit reporting or other personal consumer reports

I requested for the credit agencies to dispute the information back in XXXX got response in XXXX stating accurate response from creditor so asked the creditor to send the info never did told the credit agencies never got a response and they simply ignored it so I need help to get both companies to listen to me XXXX, XXXX XXXX, XXXX XXXX which never got a response the credit agencies wont gispute information If I do not get a letter from these reporting agencies need help
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a victim of XXXX, and the following account information, which appears on my TransUnion consumer credit report, is a result of identity theft and fraud that occurred during this period of trafficking : * XXXX XXXX XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/ I do not recognize this account as reported. It was not opened, made, or initiated by me and is the result of identity theft and fraud. Per TransUnion 's request, I have attached the following documents as proof that the aforementioned account is fraudulent and a result of my XXXX XXXX  : 1. Official Police Report 2. FCRA Section 605C Self-Attestation Form 3. Notarized Identity Theft Affidavit 4. Notarized FTC Identity Theft Criminal Complaint XXXX XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 
These documents confirm my identity and substantiate that this account was created without my knowledge or consent. I am requesting immediate action to block and remove this account from my TransUnion consumer credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to XXXX US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACHXXXX XXXX XXXX XXXX XXXX XXXXXXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

account was paid in full and citi continued to close my account and reported negatively to my credit. They refused to update status as paid in full.
Product: Credit reporting or other personal consumer reports

I opened an account with BOA when my daughter was a minor. She is the sole user of her account. The end of last year my daughter was a victim of theft. She was contacted by a group of people on social media, Pretending to offer her a job only to get her information and steal from her. I will attach a police report that we made explaining the whole situation. This is still an ongoing investigation, and just the beginning of this year the people have been tracked down. Like I said this is still an on going investigation. My daughter did go to BOA and set a payment arrangement to pay off the debt that in reality shouldnt even be hers she is a victim. She went in to BOF spoke to the fraude department and BOF still reported this. This is completely unfair and their report should be removed.