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

In accordance with the Fair Credit Reporting act : XXXX  XXXX - Account # XXXX and XXXX  XXXX - Account # 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. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting

XXXX XXXX XXXX out of New Jersey placed a judgment on my consumer report that was false. I was told that the record would be removed, and was given a sheet of paper indicating that they would rent to me again, that all my balances were paid in full, and that I never had any Nonsufficient funds issues. The false judgments are still on my consumer report, and never once did I have to go to court for any judgments. It is preventing me from being able to rent from other places despite the document due to the public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in reference to Wells Fargo bank. Reference # XXXX. They illegally repossessed my vehicle and impacted my credit score for five years, exponentially driving interest rates on all aspects of my credit. Their fraudulent cpi program caused me grave financial and emotional harm and financial hardship. I have asked them to immediately restore my credit rating and remove their information on my credit report
Product: Credit card

I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. 
I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. 
My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account ( Account # XXXX. My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : XXXX. My payment history incorrectly reports late payments for XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Equifax immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting or other personal consumer reports

I was checking my credit and I saw collection account in my credit report that I don't recognize. I have been victim of identity theft and some one who has my personal information tried to open credit cards and so on. 
XXXX XXXX XXXX XX/XX/XXXX reported to my report collection account I called them I asked them to provide me a contract with my signature and they couldn't provide and I asked them to remove that collection from my account. they couldn't resolve my issue and I am submitting claim thru here. And some inquiries that I am not authorize that its shoes on my credit report XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX. 

And one more thing according to 15 USC 1681s-2A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment bellow
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX We sent registered mail to CAPITAL ONE to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). CAPITAL ONE reported 49 transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer CAPITAL ONE violated 15 U.S. Code 1666b ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program Shellpoint promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with Shellpoint in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, Shellpoint Mortgage reported to all three credit reports that my mortgage was 60 days late. Then recently, Shellpoint Mortgage reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on Shellpoint Mortgage website. Shellpoint Mortgage and the three Credit Bureaus XXXX, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on two accounts ( JCMB, GS Bank USA ) that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

I made a payment of {$14000.00} to my Barclays Credit card via cashier 's check. Barclays cashed the check but did not credit my account for the payment. I contacted Barclays regarding the issue. They stated it takes 24 to 48 hours for the payment to post to my account. After waiting 3 days, I contacted Barclays again regarding the issue. I was then informed that it takes 7 days instead of 48 hours for the payment to clear. Today is day 8, and still, no payment posted to the account. Again I contacted Barclays to request an email where I can submit a copy of the canceled check, and after being on the phone for an hour+ I was told that it might take 2 billing cycles for them to finish the investigation I started on XX/XX/XXXX. I requested an email or a supervisor above the person whom I spoke to she apologized and said there is no one above her and put me on hold, after a couple of minutes the called was dropped.
Product: Student loan

Back on XX/XX/2023, I applied for the government 's new income-based repayment plan, XXXX, and was almost immediately approved. Under the new XXXX XXXX, I would have a new, lower monthly repayment obligation. Nelnet still does not have updated information and is showing a much larger monthly repayment amount that does not reflect the approved XXXX XXXX  estimate. It's been almost exactly a month. It's impossible to get a hold of anyone in their customer service department, and I need to start paying back this month!
Product: Mortgage

PennyMac failed to pay my property taxes. 
They were notified the day I found out on or around XX/XX/XXXX. The taxes were due on XX/XX/XXXX. 

I was forced to pay the taxes myself because I could not get them to pay despite repeated phone calls. Including interest. 

They assured me that they would refund the money that they were supposed to pay the state/county. I gave them some time and leeway and they have failed to return the money. 

I currently have an excess amount in escrow - almost $ XXXX and they have failed to return it to me in a timely manner. 

I feel like their actions are a violation of law and I am submitting my complaint for this reason.
Product: Credit reporting or other personal consumer reports

There is a repossession being reported and it should not be. After reviewing my credit report I found there to be a major error. Credit Acceptance did not provide me in advance with the proper documentation prior to the repossession. I received absolutely no Notice of XXXX or any kind of XXXX Notice. This is has already caused me so many problems and now by incorrectly reporting it on my credit it is causing me more unnecessary stress.
Product: Money transfer, virtual currency, or money service

Deposited {$240.00} and purchased {$120.00} worth of bitcoin and etherium through a ACH transfer from my bank account on XX/XX/2021 and awaiting have been waiting for verification from Gemini finance for over a month. Money has already settled out from my bank weeks ago. 

Money is unable to be withdrawn or transferred from gemini as they show my account is still pending verification with the excuse that they are experiencing high amounts of new users, was forced to use other sites to accomplish what was needed and other sites have authorized in less than a week. All attempts to contact support have been met with automated responses and emails and provide no assistance to get verified so that account can be closed and money moved or withdrawn. Complaints filed with the site have either not been responded to or acknowledged.
Product: Credit card

I bought a bikini worth {$1100.00} from XXXX on XX/XX/XXXX and never received the package. I disputed the money in Chase. But it was rebilled on XX/XX/XXXX. I checked XXXX 's order website and it showed that the package was returned to XXXX and it would be refunded to my bank in XXXX weeks. On XX/XX/XXXX, I received a refund of {$580.00}. I contacted customer service to ask why the refund amount was not {$1100.00}. He told me that my return was damaged. I never received the package. I asked XXXX to give me proof of the damage, photos or videos. XXXX refused to give me proof and I went to Chase to dispute the bill. I disputed with Chase 4 times and provided all the customer service chat records and order information. Chase closed my dispute 4 times over the phone and told me that I had to bear the loss myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about XXXX XXXX 's potentially illegal practices and horrific customer service regarding me and my husband 's ( XXXX XXXX and XXXX XXXX ) mortgage on our property at XXXX XXXX XXXX, XXXX, VA XXXX. 

Both of our TransUnion and XXXX  credit reports ( as of XX/XX/XXXX and XX/XX/XXXX respectively ) have our mortgage account for XXXX  listed as delinquent. There is no such error and all payments were made as scheduled ; XXXX XXXX XXXX received the full payment I made for XXXX ( which was due on XX/XX/XXXX ) on XX/XX/XXXX ( see explanation below ). My husband and I have attempted to contact XXXX about this via email numerous times throughout XXXX and XXXX ( case number XXXX ) and never received an email response. We also spoke to the company several times on the phone and were informed that everything was marked as paid and that all was fine. Customer service told us they would be sending a letter confirming this but we never got one. 

In XXXX, we received a letter from XXXX XXXX XXXX stating that our mortgage was being transferred to XXXX XXXX as of XX/XX/2019. We had automatic deduction payments set up for the first of every month. Our XXXX payment, which was due XX/XX/XXXX, was deducted from our bank account on XXXX XXXX the transfer had already occurredbecause XX/XX/XXXX fell on a Sunday and the next day was a holiday. Our XXXX account did not reflect this payment having been received, probably because XXXX had already fully transferred the mortgage to XXXX XXXX. Im enclosing a letter from our bank, XXXX, confirming that our full mortgage payment plus an additional {$100.00} to principal ( total of {$3000.00} XXXX was deducted and sent to XXXX on XX/XX/XXXX. XXXX then did send that money to XXXX XXXX, which was credited to our account in early XXXX. Were also enclosing proof of that transaction. The supposed delinquent payment also occurred during the 60 day window when transferring to a new mortgage provider, where XXXX should have not been legally allowed to report anything as delinquent. Nevertheless, this happened, our credit scores have dropped over 100 points, and all while we have shown them proof of payment over two months ago.

Given our pristine credit reports ( never missed one payment on anything ), the fact that  XXXX did deduct this payment as scheduled ( see proof of payment ), and our numerous attempts to contact the company and resolve this issue for the last two months, we would like these derogatory remarks to be removed from our credit reports immediately. We have disputed these payments with the credit bureaus. We have also reached out to XXXX again as well to attempt to resolve this dispute, but have seen hundreds of complaints from other customers in these exact situations who say that the issue has never been resolved to the detriment of their credit long-term. We are concerned that we are similarly falling victim to this company with very malicious business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, Experian, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a complaint with you and nothing happen company still has not removed inquires it has been well over thirty days and nothing is done
Product: Credit reporting

I have been trying for months to remove false and inaccurate comments reported on an account with Experian. I have contact XXXX XXXX XXXX ( the account in question ), and have asked them to remove the incorrect comments on the tradeline stating the account was disputed previously. The account was never disputed. XXXX XXXX XXXX has informed me the have removed the comments to accurately reflect the fact there should be no comments on the report at all. The comments remain however. I have disputed the comments with Experian several times, and each time they have refused to remove the false comments. This account was never disputed and this is plainly false. Experian has been steadfast in their refusal to correct the mistake. Again, there should be ZERO comments in the XXXX XXXX XXXX tradeline. Anything suggesting otherwise is not accurate.
Product: Checking or savings account

Unresolved Savings Account : I requested Citibank to close my savings account XXXX months ago, but they still haven't taken action. This has left my account in an open state, causing me considerable distress. 

Held Balance : Additionally, there are still a few dollars remaining in my account that are being held, meaning I am unable to access this money freely. 

Blocked Phone Number and Email : Apart from the account issues, my phone number and email have been blocked by Citibank, preventing me from using XXXX Pay functionality at a new bank. This limitation has significantly inconvenienced my daily life over the past XXXX months. 

Unsatisfactory Branch Visit : When I visited the Citibank branch in XXXX XXXX, XXXX, seeking assistance, I received a perplexing response from an employee. She suggested that I ignore the remaining balance of a few dollars and simply leave the account as is. This advice left me puzzled because, as a bank customer, I expected them to take my concerns seriously and provide solutions, rather than dismissively suggesting I ignore important details. 

Furthermore, I was dissatisfied with the excessive time the employee took to assist me during my scheduled appointment. She had already exceeded the allotted time while serving the previous customer. After only servicing me for half an hour, she claimed her schedule was full and asked me to leave. I had waited for half an hour during my scheduled appointment time and ultimately did not receive effective assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Product: Credit card

I calculated the amount of interest that I was being charged on my last month 's statement and I believe I am being overcharged by around XXXX % based on my calculations. I believe the payment I made was not accounted for when calculating the daily interest and this resulted in the XXXX % higher interest charge. If the credit card company is doing this to thousands of people that would be a problem and I think it should be looked into.
Product: Money transfer, virtual currency, or money service

Without admitting their error,  Telecheck Services ( w ho processes orders for  XXXX   ) sai d that " your account has been updated '' and re-submit the order in  XXXX  to  XXXX  days and it will be processed. For years, I have paid  XXXX  through my preferred bank account with    XXXX   XXXX    XXXX  -- and orders have arrived to my address. I placed an order yesterday and  XXXX  said it would be arriving between the  XXXX  and the  XXXX  of  XXXX . This morning I received an e-mail from  XXXX  saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from  XXXX , that  TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get  XXXX  and  Telecheck  to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to Experian, XXXX or XXXX. Additionally, I would like to bring to your attention that under the XXXX XXXX Transfer Act ( XXXX XXXX XXXX ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in XXXX of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and Experian in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX XXXX XXXX XXXX