23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On my XXXX statement for my Comenity Capital Bank XXXX XXXX card, my promotional balance was XXXX to be paid in full by XX/XX/XXXX to avoid paying interest. My minimum payment due by XX/XX/XXXX was XXXX. I paid the {$56.00} on XX/XX/XXXX. I paid an additional {$100.00} on XX/XX/XXXX. I called on approximately XX/XX/XXXX and asked for the {$100.00} to be allocated to my promotional plan. The representative said I had to wait and call in about a week. I called about a week later and asked for the {$100.00} to be allocated to my promotional plan and was advised it had been done. I looked online a couple days later and didnt see a change. I then received my XXXX statement. The payment for {$100.00} was there but my promotional balance was now {$260.00}. Only {$10.00} from my minimum payment due had been applied to the promotional balance. My {$100.00} payment had not been allocated to my promotional plan. Had it been applied, my promotional balance would now be {$160.00}. My minimum due on that statement was {$52.00} due by XX/XX/XXXX. On XX/XX/XXXX I submitted a request in writing throught the websitess Secure message center asking for the {$100.00} to be appled to my promotional balance. I have yet to receive a response. In addition, I called back again and spoke with a manager and asked that the {$100.00} be allocated to my promotional plan. He stated it was previously done incorrectly and had been done correctly now. He then told me an amount to pay before my next statement to pay off my balance. On XX/XX/XXXX, I paid a total of {$220.00}. This was to cover the corrected promotional balance of {$160.00} plus pay XXXX, which included my minimum payment due. I waited for the promotional balance to be reduced online and it never was. I called XX/XX/XXXX and was advised that I would not be able to see a reduction in my promotional balance until the statement cut and to check the balance on XX/XX/XXXX. I checked the balance on XX/XX/XXXX and my promotional balance was reduced to {$87.00}. This new promotional balance reflects {$10.00} applied from my minimum payment due and the extra {$160.00} from the {$220.00} I paid on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a manager asked that my {$100.00} be allocated to my promotional plan. She advised that there was nothing she could do as they werent able to go back that far to move the money. She told me that if I pay my new minimum payment due plus the {$87.00} by the due date, it would pay my promotional plan off.
Product: Debt collection

This was paid to XXXX XXXX after seeing in collections this bill was handled five years ago and it keeps appearing. The other two CRAs have erased it from my report but it Continues to be reported here. I have also sent them a letter to verify the collection and they have not responded as yet.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue regarding the late opening of accounts. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our tenth round of complaints regarding this issue, it is imperative that immediate action is taken to address and correct the situation. The continued delay in opening accounts not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that accounts are opened in a timely manner moving forward. With this, I am asking for your assistance to correct these accounts in my credit file : 1. XXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 2. XXXX XXXX Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 3. XXXX XXXX Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 4. XXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 5. XXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 6. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 7. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, my Venmo account was frozen/suspended. I am unable to add funds and/or transfer funds to other persons. Ive had to delay sending funds to family for vacation expenses since the restriction. I attempted to resolve the issue with Venmo or XX/XX/22 and was told that my case requires additional attention from another team. However, I was not told why my account was restricted. I contacted Venmo again on XX/XX/22 asking for additional information and an update and was told that an additional investigation was needed to verify my identity, however nobody has contacted me to resolve the issue. Its been three weeks since restriction with no response. Ive been willing to cooperate but Im being told I can not speak to any account XXXX. The lack of clarity and transparency for an account restriction is outrageous. I want to help with the issue but I am constantly running into road blocks on MY account. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After countless disputes to Transunion with no adequate results I have filed lawsuit now I am again extending an olive branch to the company by allowing them to rectify the situation and delete the Public Record off my credit report
Product: Credit reporting or other personal consumer reports

Hello, please listen to the calls attached, the company stated the funds would be reversed on my card yet they are still showing up on XXXX XXXX and XXXX. Due to this my credit score has dropped over XXXX points. Before throwing my case away please listen to these calls as they clearly state the money will be returned
Product: Mortgage

The below Loan Servicing Company is taking payments for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are telling me that they can not find my loan. 

I spoke to employee XXXX XXXX in Customer Service and he was very rude, not helpful, and could not find my loan. Also he refused to transfer me to a manager. 




SPECIALIZED LOAN SPECIALIZE XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Although I have provided TransUnion, Equifax, and Experian an FTC-Identity theft report, police report, and CFPB Complaint, I was still denied a XXXX extended identity theft alert and was denied the request for those items to be deleted from my credit profile. 

They are trying to send me in circles by emailing me and requesting the exact same documents I already sent them by certified mail, and they confirmed they received those documents however, they are rejecting my FTC report. and all of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had perfect credit and pay my bills on time. 
I have relocated and my mail has not been proper with XXXX XXXX. I made the payment onetime and whoever the agent was took down the wrong account number and the company reported late on my credit bureau report included with my husband. If this company can not remove the late off of my credit, I want to disassociate myself with the company. 

I am a very successful and there is no reason there is a late on my credit report due to the company 's error.
Product: Mortgage

In accordance with California Civil Code Section 2920 - 2944.10, the California Homeowners Bill of Rights, I am eligible to receive statutory compensation for the prohibited act of dual tracking. Additionally, upon the Trustee 's Sale of the 2007 Deed of Trust at the requests and direction of Bank of America through Trustee XXXX XXXX XXXX XXXX ( XXXX ), any sale can be reversed as dual tracking has occurred in this instance. Bank of America, through resolution of this CFPB escalated case complaint, may do so within the 60 days allowed to resolve this complaint as requested. All previously mentioned resolutions, as applicable, are also requested and desired as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, Transunion, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Product: Credit reporting

I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XX/XX/2016. 
Equifax response : Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. The " key factors '' are general explanations about what may be affecting the score and are not part of the credit file. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to your application for credit. 
XXXX response : Dear XXXX XXXX : We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the free FICO ( R ) score appearing on Account Online. 
The FICO ( R ) score is a reflection of the data in your credit report and is provided to XXXX by Equifax. We are unable to change the FICO ( R ) score appearing on Account Online as updates are only made when we receive information from the consumer reporting agency. 
To report inaccuracies and request corrections, please contact Equifax directly as XXXX can not control information reported by other creditors to the consumer reporting agencies. 
I again am filing a complaint against Equifax and requesting an investigation into why Equifax is providing XXXX different credit scores and their calculation methods that would warrant the same credit report with the same information creating XXXX different credit scores. 


If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate, please provide us with the details so that we may investigate further.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I tendered payment in full for the alleged automobile installment contract. Since that time XXXX XXXX XXXX has and still is reporting to XXXX, Transunion and XXXX as an auto loan. There are errors that XXXX XXXX XXXX intentionally misreported to my credit report that need to be deleted as well as errors in the instrument used to support the alleged debt. First, there was a down payment when a finance charge was present. 15 USC 1605a, " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' Please see attached. Secondly, I sent the properly endorsed order to pay negotiable instrument attached. It states it " secures payment of all that I owe '' as per the Additional Terms and Conditions subsection Security Interest to settle any obligation. Next 18 U.S. Code 8 states that all obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' This agreement represent an certificate of indebtedness and a certificate of deposit when it is properly endorsed so any debt in this agreement has been paid. Please remove any and all inaccuracies based on these facts.
Product: Debt collection

On XX/XX/XXXX a claim to collect a debt was filed in XXXX XXXX for {$970.00} from Professional Finance that has been disputed with XXXX XXXX  whom I have hired to help clean up my credit and dispute claims like such. The above company failed to Notify me that this claim is out for collection although it's been disputed as well as work out any possible payment options. On XX/XX/XXXX, the original dispute was ongoing because the collectors are refusing to provide service of good pricing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late Federal Student Loan on all XXXX, Equifax and XXXX. On XX/XX/XXXX and XX/XX/XXXX they reported late amounts of {$11000.00}, {$10000.00}, {$9200.00}, {$5400.00} and {$1800.00}. During the student loan pause, these balances are supposed to be reported as current. This dropped my scores more the. XXXX and Equifax more then XXXX and XXXX by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW EXPERIAN AND XXXX ALL BC OF XXXX  PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY XXXX TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID EXPERIAN HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM EXPERIAN, XXXX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX  XXXX XXXX Federal credit union XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

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

Experian continues to report incorrect personal information on my credit report. 

My name should be listed as : XXXX XXXX XXXX XXXX ( All other names should be deleted. ) My address should be listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All other addresses should be deleted. )
Product: Credit reporting

It is impossible to fax or upload information for a FREE Freeze on my credit reports to the XXXX major bureaus without spending money. I am the victim of a crime and under the California laws it should be free for me to obtain a freeze on my Credit reports. I am uploading the police report with this complaint so that you can pass this information on to Experian, XXXX and XXXX. My credit is being destroyed by a gang of people in my town. My information was stolen by a youngster who I ministered to in my home. My social security number, copy of my drivers license, my bank account numbers, my will and all documents relating to my banking information was stolen from me including my health care information and credit cards. I submitted a police report # XXXX, but I can not afford to even mail this information to the credit bureaus right now. I need this freeze done right away. Why do n't they allow you to upload this to their web sites? I know they have the technology to do this. I want the FREE Freeze on all my credit bureau reports ASAP. Thank you for your help.
Product: Credit card or prepaid card

I had a promotional credit balance for interest free for 18 mos wihich is about to expire and I have a deferred interest of XXXX that I will be charged. The original charge was for XXXX and in the 18 months I have been paying-for many months I paid over the minimum amount-only XXXX has been deducted. Approximately XXXX of that was just deducted in the past month. This is only benefiting the company not the consumer. I pay my bills online and there was never an option to allocate the money to the promotional balance. The unreasonable expectation is that the customer calls every month to wait on hold and speak to someone to properly allocate the payment. I was advised the only way to remedy the situation was to pay the remaining promotional balance by XX/XX/XXXX in the amount of XXXX, which I am unable to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to Equifax ; XX/XX/XXXXand XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

XX/XX/2020, XXXX AM, PayPal abruptly limited my account, restricting me from using my account in anyway other than logging in, and viewing my balance. I was given no explanation, and only told by PayPal via email, that they " no longer will provide services to me '', along with information regarding the remaining funds in balance, which is {$8000.00} USD. 

PayPal stated in an email on XX/XX/2020, " Money in your PayPal account will be held for 180 days. After 180 days, we'll email you information on how to receive your funds. '' However they have failed to send a single email in regards to receiving my funds, despite the waiting period having surpassed over a year ago. 

They have not helped me, nor reached out to me in any way since this email on XX/XX/2020, and are still restricting my access to my money to this day. 

Its important to note that my funds are in a PayPal " XXXX XXXX Account '', which includes a PayPal debit card, & direct deposit information for an account in my name, that was technically kept at XXXX XXXX, and therefor is FDIC insured. My account was in good-standing for the entire time it was used prior to the sudden limitation. Also, all of the direct deposits to my PayPal cash account, were from the same source, " MA DUA '', which was pandemic assistance that the state of Massachusetts had been determined I was eligible to receive. I had no transactions to, or from another PayPal user, so there is no possibility for a potential chargeback, thus no reason for PayPal to continue restricting my ability to withdrawal.
Product: Mortgage

My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.