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

I'm trying to buy a house I realize i have damaged on my credit report. According to the usc 1681 law, there should not be any damage on my credit report. Is a defamation of my character.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes
of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot conte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the del accounts listed IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

I owe a loan with Regional Financial and have fallen behind of which I plan to pay. My major complaint is they continuously call my work place which is not allowed even after I have explicitly ask them not to call over the phone on numerous occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. My coworker has also asked them to stop calling the office on the same days when they picked the calls. I have sent an email on XX/XX/19, and sent a formal complaint on XX/XX/19 to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I contacted Transunion informing them that they are inaccurately reporting information on my XXXX student loan accounts. I also informed them that I have disputed two times already and no change was made to my credit report. I informed them that my XXXX correctly reported my information showing these accounts 100 % paid in full and the accounts were closed. But Transunion still has these accounts as 0 % paid and is still on my report as current open accounts.
Product: Credit card or prepaid card

I reported a Fraud transactions to Chase Credit Card Conmpany on XX/XX/XXXX to XXXX XXXX XXXX, but Chase credit card company refused to get my credit back.
Product: Credit reporting or other personal consumer reports

I received correspondence of unauthorized inquiries on my credit reports. The inquiries were made on XXXX. The companies that received the unauthorized inquiries are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAP ONE VIA DEALER, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX  XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX  # XXXX XX/XX/XXXX -- {$3400.00}
Product: Credit card or prepaid card

I disputed an amount of {$2400.00} to PayPal Credit on XXXX XX/XX/2022. Two days later I followed up through their live chat system, and they said that my dispute was resolved in my favor and I needed to do nothing further. 3 weeks later, the dispute was reversed and I am now obligated for the charges again. This is not fair to me as I was already told I was relieved from the charge, so I have made other purchases and financial obligations based on this information.
Product: Debt collection

Hello, I received a call From XXXX services recovery that stated that charges were being brought for a Credit card fraud for a XXXX unpaid debt that is well over XXXX years old and had been charged off since XXXX. The telephone number given to me is XXXX. The file number given to me is XXXX and the date the account was opened ( according to her ) was XX/XX/XXXX and according to her charged off XX/XX/XXXX. I am aware that this practice is illegal and that the debt is no longer valid. I received a second call with a return telephone number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone committed fraud by using my credit by going through AWA COLLECTIONS and also through XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX. I sell Flavored sweet teas and flavored lemonades ; freshly made. I attend events, fairs & festivals, etc. I took payments from customers on XX/XX/2023 using my Square reader and now Square is telling me my account has been deactivated for NO REASON at all and they will not release my funds to me {$100.00} minus fees which is {$100.00} that is due to me. What is going on! I need my money and the reason WHY my account has been deactivated with no explanation and I did not violate any policies. 

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

I am currently reviewing my XXXX Credit report and SYNCB/LOWES obtained my credit report without my written or verbal permission. 
I would like to have the following inquiry permanently removed from my XXXX Credit Report : SYNCB/LOWES - DATE : XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit score for a automobile. I never authorized a credit check with this creditor and now I have a hard inquiry on my account. I would like to have it removed.
Product: Student loan

Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.
Product: Credit card

I opened a credit card with U.S. Bank that advertised XXXX XXXX cash back, contingent upon transferring at least {$100000.00} in assets to the bank. I transferred {$150000.00} in good faith to meet the requirement. 

Since then, U.S. Bank has repeatedly placed holds and restrictions on my credit card, preventing me from using it. I have not violated any termsI am well within my credit limit and have paid all balances on time. Every time I contact customer service, Im told the card is under review by the authentication department with no clear explanation. Ive spent hours on the phone, but no one has been able to tell me why the card is being blocked or when it will be resolved. 

This behavior appears deceptive and predatory. U.S. Bank induced me to transfer a large sum of money with the promise of using the credit card, then effectively rendered the card unusable. I request immediate unblocking of the card or a full release of my assets without penalty. 

This is unacceptable and feels fraudulent. I am filing this complaint to demand accountability and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian is showing old incorrect addresses on my report. I would like them removed please due to me no longer being at any of these addresses.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the inclusion of this bankruptcy on my credit report. The dates filed, reported, and closed do not align, raising concerns. I possess a court letter stating that this bankruptcy should not be reported, and the involvement of an unauthorized third party makes this situation even more absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment due date on this vehicle purchased through Ally Auto XXXX  was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Product: Bank account or service

I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the XXXX forbearance plan and Freedom mortgage reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that Freedom Mortgage sent to me. ( See Attached ).
Product: Debt collection

The questions asked on previous page don't apply to this situation, but had to fill in something to move forward. 

Schreiber Law , LLC ( Debt collector ) for XXXX XXXX XXXX. filed small claims against me XXXX XXXX in XXXX XXXX XXXX, hearing date was XX/XX/2022 at XXXX Docket # XXXX. The judgment was in MY favor., so I have called many times and sent letters informing them of Judgment in MY favor but they, gave my the run around saying I had to call original creditor ( XXXX XXXX  ) although XXXXXXXX XXXX continues to update and report it on all 3 Credit Bureaus XXXX
Product: Mortgage

OneTrust Home Loans has dragged out the loan approval process for months now, with no end in sight. I have applied for a {$260000.00} construction loan, which, after months of delay on the bank 's part, gained initial approval. They then proceeded to get phone numbers wrong, get emails wrong ( once sending my personal financial information to an unknown email address, which hopefully was not used in any bad ways ), continuously asking for items that they had never asked for before, repeatedly making mistakes on Disclosure Forms, repeatedly asking for information that they already received, changing the terms ( interest rate ) of my loan without explanation, ignoring my emails, and not accepting responsibility for any of it. I have taken quite a few mortgages in my time and this has been the worst process I have ever encountered. OneTrust seems to be completely lacking in systems and controls, unable to manage their work flow, unable to fit together all the pieces of a loan application, unwilling to pay attention to the details, and completely out of their league with respect to handling anything other than a straight w-2 single-family conventional mortgage. It is clear why the mortgage  business caused such disruption and turmoil in XX/XX/XXXX/XX/XX/XXXXif  everyone 's system is still as broken as that at OneTrust.
Product: Credit reporting 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 LATE/CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is 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 late/closed, charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late/closed, charge off and collection, 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 this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had Auto Loan with Capital One Auto Finance in XX/XX/XXXX. I had GAP Insurance, Extended Warranty & Full Coverage on the car when I purchased it from the dealership Off Lease. In XX/XX/XXXX I was in a NO FAULT car accident when I was hit and my car was ultimately written off as a total loss. I did file a lawsuit against the other party and it was settled and closed and XXXX XXXX XXXXXXXX did receive notice of this. In XXXX it was a collection placed on my account for {$1800.00} from Capital One Auto finance. Due to me being pregnant at the time I didnt have the mental capacity to address this matter. But, at the end of XXXX, I did an online dispute with XXXX for this balance because I was unaware what it was for. The account came back validated but no follow up from the credit bureau with proving me how it is my account. Then in mid XXXX I applied for an apartment for me and my son and was denied due to something on my credit. When I checked my credit my Collection was updated to a Repossession. I wrote letter to the credit bureaus and Capital One requesting the print out with the breakdown of the fees I owe. No response. Due to me being a full time XXXX XXXX  I didnt have time to call Capital One. I finally got a chance to call Capital One on XXXX/XXXX/XXXX and spoke with XXXX XXXX. She basically explained to me that they told the bureaus it was a total loss but the use R to label it. Which I feel is wrong because my car never got repossessed from me. I also asked her what the balance is for and she stated its just a Total balanced due on the account. I asked her what specifically is it for. She responded its not for any late fees, monthly payments, the interest rate was written off, GAP covered theyre portion, its just a Total balance due and that I can settle it with a monthly payment plan. I proceeded to ask her IF I do decide to settle it, which Im not. My next question will be what is the balance due for in regards to the lease. She still could not give me any accurate information. I asked for a early dispute since this years my 7 years since the opening of my account and its being incorrectly reported wrong and differently over all three bureaus. They couldnt offer me that or an explanation on the amount I owe.
Product: Student loan

{$660.00} -  XXXX / XXXX / 2015  {$210.00} =  XXXX / XXXX / 2015   Wells Fargo " s et-off '' amounts for student loan payment although I 'd been in contact with them regarding my financial hardship (  XXXX  and unemployed ) at the time. Meanwhile, I was still responsible for managing my  XXXX  mother 's finances. Someone repayed my mother on a personal loan, I deposited the money into my account and then transferred it into her account.  Wells Fargo the n saw the transaction for deposit and set off both accounts, interfering with transactions with her Social Security  XXXX  payment. While I tried countless times to resolve the issue , Wells Fargo says that they had the right to set off both accounts, although my mother was not a cosign er on the loan.
Product: Credit card

Dear Sir/Madame, Good Day! I would like to inquire about Citibank the way they give a billing.I here in XXXX XXXX.I have a citibank credit card.My concern is.I have a bills amounting XXXX in XXXX rupees.But I failed to pay the exact amount which is XXXX due to financial difficulty. 
The only amount I payed is only XXXX.Then I received a mail below. 


We confirm receipt of your payment of XXXX and the same has been credited to your card on XXXX XXXX, 2016. 

The total amount due as per the XXXX 2016 statement is XXXX and minimum due amount is XXXX with a payment due date as on XXXX XXXX, 2016. However, the aforesaid payment is lesser than your minimum amount due. 

Late Payment Charge will be levied if the we are not in receipt of any payment within the due date or the payment made is less than the Minimum Amount Due. 

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement. If a part payment is made, there would be no interest free period and interest charges would be applicable ( including on fresh purchases, if any ) via an average daily balance method. 

Hence, we request you to remit the remaining payment within the due date to avoid levy of charges. 


Thanking you Sincerely XXXX Manager - Customer Care I have a remaining XXXX in my savings account.When I check it its already gone in my savings account.Then I noticed that citibank take it.My question is is this fine for them to get that amount without informing there costumers. 
Please give me advice an advice regarding my concern. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TO WHOM THIS MAY CONCERNED ; I MR. XXXX WENT TO XXXX, TRANSUNION, AND XXXX BEHIND THE SAME ISSUES PROBLEMS SAME ACCOUNTS THAT WAS UNDER IDENTITY THEFT, BEHIND THE SAME CAR DEALERSHIP UNDER FALSE FRAUD REPORT IDENTITY THEFT FALSE REPORTING TO CREDIT BUREAU I HAVE SENT IN THE SAME DISPUTE TO ALL THREE MAJOR CREDIT BUREAU XXXX TRANSUNION XXXX  ALL OF THESE SAME WEATHER BUREAU REFUSING TO TAKE OFF THE DEALERSHIP REFUSING TO TAKE OFF WORLD FINANCE AND SO FORTH BUT YET AND STILL ALL THE OTHER ONES ARE CAME OFF MY REPORT AND THEY'RE REFUSING TO TAKE IT OFF MY REPORT