23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I made a payment of {$670.00} which I thought was going to go towards my XXXX mortgage payment on XX/XX/XXXX. I made another payment of {$660.00}. These two totals equal {$1300.00} my mortgage payment was {$1300.00} instead of going towards that payment. These went towards the principal I was not aware of this. I called the bank. They reverse these payments and will put them towards XXXX payment however they are charging me a late fee because I didnt call them until XX/XX/XXXX because I was unaware of the issue until today when I asked them to please remove the late payment charge since I technically made my payments by XX/XX/XXXX. They proceeded to tell me that because they had already forgiven a previous late payment charge that they were unable to do this however, I feel that there should not be a late payment charge because technically my payment was made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS USING FALSE STATEMENTS AND IS CLAIMING THEY HAVE THE RIGHT TO FURNISH MY REPORT WITH INACCURATE INFORMATION BASE ON A CARD HOLDER AGREEMENT IN WHICH THEY BELIEVE THEY ARE PERMITTED BY LAW ( WHICH LAW ) TO DO SO? THE CARD HOLDER AGREEMENT DOES NOT HAVE ANY WRITTEN SIGNATURE FROM ME. IT DOESN'T INCONSPICUOUSLY GIVE ME THE OPTION TO OPT OUT OF SUCH REPORTING NEITHER. UPON REVIEW OF MY CONSUMER REPORT THE ACCOUNT HAS BEEN CHARE OFF MANY MONTHS AGO AND WHICH UNDER THE 1099C CANCELATION OF DEBT THE IRS STATES CHARGE OFFS ARE INCOME AND INCOME CANT BE REPORT TO ONE CONSUMER REPORT NEITHER CAN A CHARGED OFF ACCOUNT. THIS IS IN VIOLATION OF USC 15 1681S-2 ( A ) ( 1 ) AND USC 1681A ( 2 ) ( B )
Product: Credit reporting

Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/2023 : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.
Product: Credit card

I rental a car in XXXX. Chase told me my credit card provided insurance. They sent me a letter proving this prior to my trip so I could show the rental company. The car was damaged in a parking lot while I was renting it. When I returned the car the rental company demanded a hold on the credit card for the estimated repairs of XXXX. They literally would not drive me to the airport ( XXXX miles away ) until I let them put a hold on the card. I almost missed my flight. 

The rental company told me they would email me the actual bill and final charge. They never did. I asked multiple times and they refused. I disputed the hold charge with Chase and they said it was valid, but they also said I can't file an insurance claim because I don't have an actual bill, just the hold charge. The rental company has no incentive to send me the actual bill because Chase is letting them keep the full hold XXXX.
Product: Debt collection

I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

Due to the XXXX XXXX XXXX, my personal information, my social security number, and my addresses have been exposed. I recently noticed items on my credit report that were opened fraudulently by perpetrators. I have no knowledge of these accounts. This accounts have ruined my life, it has negatively impacted my character and is stopping my from obtaining credit. I have reported this to government officials, my lawyer, and law authorities to get this issue resolved IMMEDIATELY. Please remove this account within XXXX business Days! Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX  business days of receiving a complaint of the information below : XXXX. XXXX XXXX XXXX - XXXXxxx Date Opened : XX/XX/year> Balance : {$970.00}
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiry : XX/XX/XXXX - XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX  account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX Sincerely, XXXX XXXX
Product: Student loan

I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you
Product: Credit card or prepaid card

I was promised XXXX miles on Delta skymiles credit card by American Express if I spent {$1000.00} within a month of subscribing for the card. I spent more than that and per their criteria I qualified ( which their customer service representatives also acknowledged ) but I never received the miles. Now it has been almost four months since I opened that card and I still have not received the promoted miles. I contacted their customer service representative and they said they do not know why that is, but they said they filed a complaint/ investigation. I have contacted them three times at least several weeks apart and I still get the same answer. Now they tell me they " updated '' the complaint and that I should wait 6-8 weeks!! That was per a supervisor! I feel that they are trying to procrastinate until I forget the topic.
Product: Credit card

Wrong information on credit report, requested verification from card company no response as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Creditor Contact : Not Available add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed out debt validation letters to Franklin Collection Service in XX/XX/XXXX through USPS Certified  Mail. The collection agency received my request on XXXX XXXX 2017. In my letter, I requested for both accounts to be validated. I did not receive a response for account number XXXX. The collection company is allowed 30 days to respond, but I still havent received a response. IT has been well over 30 days. However, Franklin Collection Service did respond to the other account that they have on my credit file. That account number is XXXX. Although they responded, they have directly violated my rights. I was sent a bill with a list of procedures that was performed. This was a direct violation of my HIPPAA rights. They had no right to have access to my personal medical information. I will provide the paperwork that was sent to me from XXXX XXXX XXXX. I have already contacted them to try to resolve this issue. I want something to be done because this is not right.
Product: Credit card

On XX/XX/2015 I received a call from Citi Card advising that I was late on a payment. Having just reviewed my end-of-the-month bills, there was n't one from Citi Card. She looked at my account and saw that I always receive the statements electronically and pay on time for any balance. I asked her what email address was it sent to and she said " XXXXXXXXXXXX? ( example, only ) I told her, that is NOT my email and gave her the correct one. I asked why through XX/XX/XXXX all the statements arrived problem-free and she said someone had re-keyed it in incorrectly. She said that she would fix it and I told her I 'd be happy to pay the bill. 
This morning, I went to pay the bill, but noticed a {$25.00} late fee. I called Customer Service and advised them of the issue from last evening. Since it was not my error as I had not received any bill from them whatsoever, that I would be happy to pay my full balance, but please remove the late fee. She said she would submit it, but I should not expect it to be approved. It was not. 
My payment record with the XXXX companies who cards are managed by Citi Card proves my good standing as a customer with prompt payments. Since this error was not one I made and it occurred through a mistake of Citi Card, I should have that {$25.00} refunded to me. Imagine the hundreds of thousands of dollars they make on these trumped-up charges.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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 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/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 than 21 days before the payment due date.

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

XXXX XXXX XXXX 
I received a copy of my credit report and I see that this erroneous information is still on my credit report. I am reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$12000.00}. According to FRA, I have the right to an accurate credit report. This is stopping me for getting ahead in life and hindering me from job employment and getting a home. 
I sent this to all 3 credit bureau and they didnt do anything to help me
Product: Checking or savings account

I contacted PNC To dispute transactions because someone fraudulently took my card. They processed the dispute and refunded {$200.00} in applicable fees. Then PNC Denied my dispute and debited my account {$400.00} for fees when they only originally refunded {$200.00}. PNC stole {$200.00} from me and when I contacted them to request this be resolved and to redispute my fraudulent transaction they said I had to wait 10 business days for the money stolen from me by the person who stole my debit card AND by the bank that stole my money. UNACCEPTABLE. PNC Stole my money and it will be over a month before I get my money back.
Product: Credit card

On XX/XX/2024, I called a Citibank services for Home Depot and Home Depot and spoke with representative and asked him have they received my settlement and payment for an old account. He stated, " yes '' and I asked him will Citibank report any of this to the credit agencies ( XXXX, XXXX, and XXXX ). I advised him that Citibank is still reporting to the credit agencies that I am delinquent, and I am still past due on my account. I asked the representative for a payoff or settlement letter and report my information to the credit agencies. I also advised the representative that the credit agencies advised me that your company ( Citibank/Home Depot ) is still reporting wrongful information to the credit agency. I requested my information be corrected. He advised me that he would do something is 60 days. I asked him if he could email me a payoff letter and he advised no, and I would have to just wait on that too. I also called Home Depot representatives and they all passed me off to Citibank because they refused to look into my case or provide me with information about my account. In all I called Home Depot and Citibank approximately or close to 12 times just to get help. This is unacceptable.
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/XXXX that a new PayPal account had been created in my name. One minute later, I received an email saying the email address In my account had been changed. Two minutes later, I closed out my account and received email verification. I thought we were safe. We took no other action at that time due to having received that email from PayPal that stated our account was closed. On XX/XX/XXXX, we had two ACH transactions pulled from our checking account in the amounts of {$1100.00} and {$50.00} from PayPal. They also set up a " Pay in 4 '' on my Paypal, where {$50.00} comes out of my account every two weeks. I immediately alerted the bank for fraud and called PayPal. PayPal went in and changed the login and gave me back access to the account and alerted it for fraud. The scammer took out a Paypal credit card in my name ( on XX/XX/XXXX, after i had closed my account ), and had been running up charges. I called PayPal credit on XX/XX/XXXX and reported the fraud card taken out in my name and they stopped the account and are allegedly reviewing it. Paypal refunded me for partial charges and the bank refunded me as well. However, Paypal is now saying all the remaining charges ( {$2600.00} worth left on the PayPal credit card in my name ), are consistent with my transaction history and are not fraud! I've called every day and spoken with multiple supervisors to escalate this case. The scammer was using my personal mailing address and shipping items to a warehouse in Florida, as well as multiple random people picking up these items from the XXXX in XXXX XXXXXXXX, XXXX All shipping tracking numbers clearly show i never received these or picked them. This is clearly a well organized crime ring, and all three supervisors i've spoken with at PayPal have said this. XXXX, XXXX, and XXXX. However, when they escalate this to the " back office '' team, who will not take any calls or emails, keeps repeatedly denying it. I filed a claim with PayPal on XX/XX/2024, again on XX/XX/XXXX, again on XX/XX/XXXX, and again today, XX/XX/XXXX. On Saturday, XX/XX/XXXX, i spoke with a supervisor named XXXX who stated on our recorded call, that she could see the high level fraud scam. She sent me a link in my paypal messages to upload documents. At that time i uploaded the email verifications stating the account was closed on XX/XX/XXXX, as well as our FBI and FTC report we filed, as well as police report and bank letter showing the bank classified it as fraud. Paypal continues to give us the run around and denying the case. They give very vague information, but one issue they state is that it seems the transactions all came from our IP address. Clearly, our IP address was spoofed, and the supervisor, XXXX, could see this as well. We desperately need help and are very close to filing a lawsuit in this case.
Product: Debt collection

CALLING MULTIPLE TIMES A DAY FROM ATLEAST 2 DIFFERNT NUMBERS. ALREADY ASKED THEM TO STOP CALLING ME DURING MY WORK HRS BUT THEY WONT. ITS CAUSING PROBLEMS WITH MY JOB WITH MY PHONE ALWAYS RINGING
Product: Student loan

Hello, I am in the process of trying to get a house and the lender states that my student loans are being doubled on the credit report that they pull. My student loan servicer is MOHELA and I have tried to call them and they can not remove the double reporting. I have confirmed with them I only owe around XXXX and the credit bueras are showing XXXX being reported. This is extremely frustrating and I am not able to get a house. I dont know where Im going to live if this doesnt get sorted out. MOHELA is doing nothing to help. Please help.
Product: Mortgage

Postpone sale date on our home We are interested on the different options that we have available to us. 

Let us know what we qualify for. 

Relocation assistance Deed in lieu of foreclosure Short sale. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account # XXXX XXXX XXXX pm
Product: Credit card or prepaid card

Ref # case XXXX on XXXX, XXXX several items was bought on line from XXXX XXXX XXXX some was kept some were returned. XXXX item a suit {$430.00} was returned but no refunded received. My son called the store manager to report that they said it was refunded but not the correct amount check you XXXX statement for the refund in a few days. A week later we got {$35.00} but not full amount. I called XXXX XXXX XXXX several time they said I need to speak with the store XXXX I did but he was not welling to assist because he couldn't access on line orders and he referred me back to XXXX XXXX XXXX. 
I called my Bank Citibank and I open a dispute for the amount of {$400.00} by phone on XXXX # case XXXX XX/XX/2023. A few weeks I received a letter telling me the dispute was closed because there was not a detail explanations for return. This is was a surprise request since when we have to gave a reason to return an item. I responded in writing to reopen the despite. 
Then they requested evidence of return which I never got XXXX for this item. I called Citibank and a spoke with XXXX manage with the name XXXX and asked him why you need evidence of return is the store denying they received the suit back he said yes. I requested to get copy of the merchant letter more than XXXX time but I got nothing. How can they denied they got the item back and at same time they refunded only {$35.00}. 
He said the Citibank will not contact the merchant at less we have evidence of return. Here after tow months going back and forward, my bank done nothing to help me with my dispute. 
Please let me what else I should do to get this resolved.
Product: Credit reporting or other personal consumer reports

I have 5 new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores.

The five fraudulent inquiries and the dates they were added to my report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID 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