23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Called I. To pay off my current loan Ace said they had to wait until Monday because they already took a payment today and I would have to pay extra in fees based on the days. They said that because of my state they cant take more than one payment. If I authorize them to take the money now they should be but they said they couldnt and I would have to make extra payments it was all due to my state and not the company greed. After being upset I called back and asked if I could go into one of the stores I was told yes and the woman at the store said I couldnt because even though its the same company she could t see anything due to their system. I asked her to call that I was trying to avoid extra fees and she refused to even try. You should be able to make a same day payoff and they are refusing, I feel like its some scheme for the company to take advantage of people and this is what call actual. Lawsuits are about. Im more than sure Im not the only person having these types of issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, XXXX states I have made 2 Payments Beginning XXXX, 2019. They also state The date of first delinquency is listed as XX/XX/2019. I disagree. 

This would mean the date of first delinquency would be XX/XX/2019 instead of reported XX/XX/2019. 

This information reported to the Agencies is incorrect delaying the correct month and year this account would fall from my consumer report.
Product: Credit card or prepaid card

I was charged over {$5000.00} which was fraudulent. The police were involved, a police report was made, and spoke to many different individuals about the case. It took over 3 months for the charges to be considered fraudulent. I continued to receive bills in the mail. Continued to receive phone calls about making payments to the credit card when it was indeed found fraudulent. It was extremely difficult to get a hold of someone who could help. This is continuing to go on and is not yet settled. It was a XXXX XXXX XXXX XXXX XXXX XXXX. It has been a nightmare trying to figure everything out when this should have been taken care of when it occurred back in XXXX. I followed all of the correct steps of calling the police, cancelling the cards, and sending in numerous documents stating which charges were fraud. The individual that stole the card was even caught on camera at several locations using the card.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Product: Debt collection

To whom it XXXX concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that or I owed the debt. This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. 

I ask that you prove that I'm indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : XXXX ) Agreement that you have authority to collect on this alleged debt. 
XXXX ) Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
XXXX ) Complete payment history on this account to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected back in XXXX. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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. 

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

I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XX/XX/XXXX I was in XXXX, I went into a store and the man was selling me a bottle for {$20.00} usd. When he tried to run the card it was in XXXX and in paseos. But he said 3 times on two different machines It did not work, then finally asked me for cash. Right after I called credit card company because it seemed very odd. I found out two times he tried the exact same amount so one of these got denied. The 3rd one they ran for .XXXX XXXX more. I contested the entire thing. I got the resolution in the mail today XX/XX/XXXX saying they are reinstating it because there was signature 's on the line. I never signed for it? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I keep receiving unknown charges from Apple services to my apple card. I've called Apple Care to attempt to get them to find the account the charges are coming from and they are not doing so. I've called Apple Card support ( Goldman Sachs ) they are also not assisting. The charges have been happening for about a year. They first started at XXXX and now it's recently {$65.00}. These charges happen everyday either once a day or multiple times per day. The last attempt was today XX/XX/2023 for {$65.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union I have disputed an item 3 times and transunion always says it 's verified or updated I requested a method of verification and they refuse to send it and then sends out letters that I do n't quite understand their explanation but still send me their method of verification per fora 611
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX closed XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
Product: Mortgage

This is a complaint about XXXX  a mortgage processor. My account was transferred to them a few months ago. XXXX XXXX XXXX XXXX informed me a few months ago that they were unable to renew my homeowners insurance because of state restrictions. I had to find a new insurance co. The insurance was supposed to start on XX/XX/year>. I found a XXXX XXXX XXXX and asked them to send the bill to XXXX. They sent the bill by e-mail to XXXX  in mid XXXX. As of XX/XX/year> this bill has not been paid.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX 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 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 in months that are reported late 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. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

A credit inquiry made on my Transunion credit report on XX/XX/XXXX by XXXX. I did not contact on this date to establish any type of service. As of XX/XX/XXXX, I placed a fraud alert on my credit file because of all the different things going on with hacking and scamming. I contacted both Transunion and XXXX without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Morgage inquires withing 30 days should only be shown as one inquiry. On the credit report.
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately on my credit report, I did not open this account.
Product: Checking or savings account

On XXXX  My Chime account was hacked. My savings of XXXX was transferred to my checking .all my funds were drained .Chime returned XXXX But denied XXXX in XXXX transactions. They allowed 21 transactions to the same person. Within a 4min time frame.My phone number was change around XXXX XXXXChime did reach out about the number switch .At XXXX I was sleeping. I have ask who the person and were they located they refused to answer. Chime wouldn't tell were they customer service is located.I need my funds returned.
Product: Credit card or prepaid card

The Kay Jewlers credit card has a balance that included a promotional, zero interest balance until XX/XX/. I called before my due date and made a payment to fully pay this balance off. The due date came and I called again to make another payment towards the principal, non-promotional balance and found out they did not apply my first payment towards the zero-interest promotional balance and instead applied it to my minimum payment. This means I paid interest of 29.99 % on my promotional balance AND 29.99 % on my principal balance. When I questioned why they didnt apply my payments as I requested the representative changed their answer multiple times. First she said it was because my minimum payment was due ( this is untrue because I called BEFORE my due date ), then she said to apply any payments towards my promotional balance I needed to submit this in writing ( also untrue according to the terms ), finally she said they would escalate and respond. I never heard back from them. Next thing I know I have a late payment indication on my credit report. I called again and they gave me the same run around. I have disputed this with my credit reporting app and no one has been able to address the fact that I have them money, told them how to apply it and they didnt follow interruptions and did what they wanted with my money. It is the principle of the fact.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service Rep, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX. 

As of today, XXXX, XXXX and XXXX still have open status for MOHELA and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with MOHELA but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX XXXX Balance Account from MOHELA ; dated XXXX  and additional document dated XXXX directly from my know open, MOHELA account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

MOHELA was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Product: Credit card or prepaid card

On XXXX, spoke with XXXX, a supervisor with the customer service support team ( part of cardholder services assitance team ) re : my concerns over BHN disallowing debit cards from being able to be used via pin-based transactions in common retailers. Received request for callback within 24-48 hours.

Callback received ~120 hours later on XXXX. XXXX reviewed activity of 2x cards ( note : I currently have several hundred such cards in my possesion ). XXXX explained that the cards are active, but are currently disallowed from being used at my selected vendor for " security reasons '', which could not be disclosed. He explained that the vendor, a local grocery store which I attempted a transaction, has been temporarily suspended from all card transactions with BHN. XXXX 's solution was for me to use the card at a different vendor. 

I explained to XXXX that this was unacceptable, as I would like to use the card at the vendor of my chosing. I further explained to XXXX that my theory is that BHN is purposefully disallowing pin-based debit card transactions in a way to try to force users to run transacations as credit, which nets BHN more money per transaction. i.e., I believe they are purposefully circumventing governmental regulation that governs pin-based debit card transactions. I have evidence of this because the same cards will work at the " security restricted vendor '' when running the transactions a credit instead of debit.