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

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXXdischarged Reference XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Mortgage

XX/XX/2020 I made a payment in the amount of {$560.00}, through online banking, designated as the P & I monthly payment for XX/XX/2020 in the amount of {$430.00} and {$120.00} additional principal payment. These funds were misapplied as {$560.00} to principal curtailment. 
The first week of XXXX I emailed the mortgage lender to correct the payment, no response. 
XX/XX/2020 I had to hold for XXXX hour and XXXX minutes to speak to an associate on their customer service line, the representative had me on hold another XXXX minutes, in total over a XXXX hour phone call. I asked if they had done the reversal themselves versus opening a task for it to be done and they lied and told me that they had since it had been a XXXX minute hold for them to do it. They advised it would be correct within XXXX business days. 
I emailed again when this wasn't complete and received the below response on XX/XX/2020 : We received your inquiry pertaining to the principal payment applied on XX/XX/2020 in the amount of {$430.00}, intended to be applied to the XX/XX/2020 payment. We are in the process of obtaining additional information to address your service request number XXXX, which was submitted on XX/XX/2020. We appreciate your patience while additional information is gathered to further research your request and apologize for any inconvenience this delay may have caused. 
I called back again the last week of XXXX and held for 45 minutes to speak to a representative, I spoke with a male from Connecticut he told me it would be done in another XXXX business days. 
I called back again in the beginning of XXXX when this wasn't complete waited over half an hour got a rep XXXX on the line asked to speak with someone who could reverse and reapply the funds Panill id XXXX drop transferred me back into the main queue where I held another XXXX mins talking to XXXX XXXX who could not process the request and then I escalated to a XXXX XXXX XXXX XXXX who said he would escalate this as the task opened on XX/XX/2020 was supposed to be completed within 30 days and it was now past that time from. I waited another week and through online banking i can see the funds I sent were reversed on XXXX but still have not been reapplied to the XXXX payment, they have been sitting in unapplied / suspense since XXXX. I left XXXX a voicemail friday XXXX he never returned the call, I left another voicemail Tuesday morning XX/XX/2020, no response. Funds are still not applied. I have never paid my mortgage in the XXXX plus years past the XXXX of the month and I also can not make my XXXX payment until these funds are properly applied.
Product: Consumer Loan

On XX/XX/2016 I took out a Auto Title loan from the company Advantage One Credit LLC for the amount of {$1500.00}. I am being charged a APR rate of XXXX %, but I am being charged finance charges daily. I fell a month behind and in XX/XX/XXXX when I called to state that I would be paying XXXX months of the loan minimum amount, a male employee started yelling at me and said if I do n't pay {$370.00} by the XX/XX/XXXX he would " love to come and take my vehicle and sell it ''. I was trying to reason with him and he just kept yelling and calling me names. I did pay the {$370.00} with money borrowed by the XX/XX/XXXX. I was then late with the XX/XX/XXXX payment as I had to pay the loan I got from a family member. My due date is the XXXX of each month. I received a statement for XX/XX/XXXX but I did not for XX/XX/XXXX. On XX/XX/XXXX, I called the company at their phone number XXXX from the time they open until they closed. I left numerous messages and I never received a call back. I look online and advantageonecredit.com and it said we will be back online soon. During this time I was concerned they would repossess my vehicle. On XX/XX/XXXX, when I tried to call again the recording stated " Please be advised that we are no longer servicing Advantage One loan. If you are an Advantage XXXX customer, someone from Advantage One will contact you. '' That phone number was XXXX. I tried leaving messages but the mailboxes were all full. I checked online everyday and there was no website. I made a complaint with the Michigan Attorney General 's Office and they sent a letter to Advantage XXXX in XX/XX/XXXX. They still have not received anything back. Today on XX/XX/XXXX I checked online and saw there was a new address, and phone number for XXXX XXXX in XXXX, previously in XXXX. I contacted my State Attorney 's XXXX XXXX and they urged me to make a complaint with the CFPB. This is a tribal title loan buy it actually states a " XXXX of XXXX ''. Also, the loan agreement does not include a TILA Box according to XXXX XXXX from the Michigan Attorney General 's Office. She did state she would send another letter to the new address, but since it is tribal, they may not reply. They do not hold a license in the XXXX of XXXX. I have almost paid back the {$1500.00} back, just shy of about {$50.00}. To this date I have not received any communication from Advantage One XXXX by mail, phone or email.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i notified the legal department of XXXX XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since late of 2019 Ive been in contact with the Chex Systems company where as i told them they had inaccurate information reporting through system. Since I've been denied bank accounts and lines of credit. I've asked them repeatedly to fix and remove these items at one point they did only to turn around and place the false information back on their report. 
All this information listed below is inaccurate : ADDRESS NOT ASSOCIATED WITH ME : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE NUMBERS NOT ASSOCIATED WITH ME : XXXX, XXXX XXXX XXXX XXXX, SUSPECTED FRAUD ACTIVITY ACCT XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported. 

I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected. 

currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help. 

the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 in ( MONTHS REPORTING 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 XXXX TRANSUNION 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: Checking or savings account

I will keep reporting this company every time my claim is denied, because they still cant seem to show me where and/or how my fraudulent charges were valid. They keep saying they did research and they can show me the information but no one does. Literally no one has yet to send me the information and Ive complained multiple times. The fraud and research department were absolutely no help and asking questions will only anger them. The only thing they say is the claim was denied because of the research found, but cant tell you what research was used. Its ridiculous, the company is nothing but a scam. I filed a complaint twice and they email me back in two days saying theyve researched the complaint and found no error. Thats literally their favorite word, thats literally all they ever say! And I dont understand how you complete a thorough investigation in two business days. Wells Fargo is a complete and utterly disgusting bank. But, I can assure if I was a white man instead of a XXXX woman things would be handled much different. I lost {$2000.00} and cant get it back. They can run camera footage, see the location, time, etc and see it wasnt me making those charges. I mean the charges were made in a completely different state, I mean come on. But they didnt try to rectify the situation or help me, they allowed my money to be stolen. They are fraudulent and deceitful, and this is literally the worse bank. I will continue to complain until my claim is awarded in my favor. Every time you all deny, I will complain a hundred times over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX bankruptcy XXXX XXXX account number XXXX ( XXXX XXXX XXXX XXXX account XXXX ( XXXX  balance XXXX XXXX account XXXX. ( XXXX XXXX XXXX account XXXX. ( XXXX  balance XXXX XXXX  account XXXX XXXX  account XXXX  ( XXXX  balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I can't add my pnc account to any other accounts online
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the XXXX XXXX XXXX, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.
Product: Credit reporting or other personal consumer reports

Miss spelling of name ( XXXX, XXXX, XXXX ) unknown address XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i would like for my personal statement to be removed
Product: Checking or savings account

I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.
Product: Credit card or prepaid card

I have the Way2Go card from nevada. I can not activate it because the information they have for the card does not match my SSN or DOB. So I am without money last week, and now probably this week ... I have used the website to try and solve this, I have used the app, and I have tried calling. 

The fact that the company can not even connect a card they sent me with my name on it, with my correct information. Makes me feel like I can't trust them with any information ... this is my SSN we are talking about, my life. And these people are playing games
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with Transunion showing as open and XXXX showing as closed and XXXX  not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.