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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Money transfer, virtual currency, or money service

on XX/XX/year> XXXX limited closed my account because I used wise to trade crypto. I wrote a complaint to them to get the remaining money in my account but they did not accept it. They said there was a claim against that amount and it would be returned to the claimant. However, as of XX/XX/year>, when I asked them to send me a statement, the money still remained in my account and had not been returned to anyone else. I will attach their final decision and my account statement as of today XX/XX/year> below Wise said that " Wise received a reversal of a payment to the customer 's balance account which was completed and there are no funds remaining. Wise is available to provide additional information upon request. '' Please ask wise give me transaction ID that wise reversal!
Product: Debt collection

We had to break our lease due to us being harassed by an employee that lived under our apartment in 2022, we had emails of telling the manager and her only offering to move us to another unit for a fee They werent willing to help us out and after my son being traumatized by all the events we decided to leave. Now we are under collections with IQ data and the only way I found this out was because I checked out my credit report and saw it on there. I never received any letters saying anything about this collection.

In our contract it states that we
Product: Mortgage

I made my mortgage payment on XX/XX/2020, it came back because of an incorrect routing number, it was corrected, and still never went through. XXXX payment was sent in via a cashiers check from my bank. It was sent via USPS Certified mail. This check was received and signed for on XX/XX/2020 and was for two payments, XXXX and XXXX. This check was issued by XXXX XXXX  in XXXX XXXX , XXXX and cleared XXXX XXXX  on XX/XX/2020. It was made to CMG FINANCIAL CERTIFIED. As of today, XX/XX/2020, the funds have not been applied to my account, and are still unaccounted for by CMG Financial. 
I have been threatened by CMG Financial by numerous letters that if I do not pay the past due payments that foreclosure could result.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One Platinum Mastercard : - Has zero grace period.

- Requires a payment by XXXX XXXX on your monthly due date. 

- Charges {$25.00} late fee whether you pay one day, or even one hour, late. 

- Does not allow you to change your due date for 60 days following change of address. 

- Requires all payments solely via bank checking account, not with a bank debit card nor a credit card. 

- Advertises itself as a credit building credit card. 

I recently applied for this card, and several other credit cards and accounts, to raise my credit score due to a lack of credit card accounts in my credit history ( I pay cash ). However none of my other new credit cards require these predatory terms and conditions and I've incurred no fees with them. 

I made several payments on time but was a day, and then one hour late on 2 payments resulting in {$50.00} in late fees. Cap One 's policy grants one refund of a late fee per year and I was disqualified from the advertised automatic credit increase. 

This is why I never bothered with credit cards in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact XXXX  get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.
Product: Student loan

I applied for forgiveness under the limited waiver or to get an updated qualifying payment count on XX/XX/XXXX  and there has been no update. I have not been able to contact a live agent despite multiple, multiple attempts, and my payment counts have not been updated. I have also lost my job and need a recalculation of monthly payments and can't even get anyone to help me with that. My IDR application has also been processing for almost a year.
Product: Money transfer, virtual currency, or money service

PayPal Holding My Funds Without Resolution I am having an issue with PayPal where they are holding my funds and not allowing me to withdraw them. On XX/XX/year> i attempted to withdraw {$610.00} but the transaction was declined i contacted PayPal customer service on XX/XX/year> and they advised me to wait seventy-two hours for the issue to resolve. However, even after the seventy-two-hour period passed, I attempted to withdraw the funds again on XX/XX/year> and the transactions continued to be declined. On XX/XX/year> I contacted PayPal support again to request an update. However, they did not provide a clear explanation or resolution and instead asked me to wait again without offering any guarantees or concrete solutions. This situation is highly frustrating, as it is my money, and I need urgent access to it. My account is in good standing, and I have complied with all verification processes required by PayPal. There is no valid reason for this delay.
Product: Credit reporting or other personal consumer reports

Inaccurate payment history I was never late I was always on time XXXX XXXX  Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing.

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made.

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA.

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX UCC-1-308 Without Prejudice
Product: Checking or savings account

I had unauthorized charges on my bank card and immediately filed with the FTC and also filed a dispute with Chime as soon as allowed. I reported my card as stolen as well. 
Chime has refused to stop or reverse the charges requesting that I offer proof. There is no proof. I do not know the company that made the charges, I do not live in Florida so I did not swipe the card there, I did not order from them. This is obviously a card scammer and Chime is allowing it. 
I will be happy to provide whatever information you need.
Product: Mortgage

I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.
Product: Mortgage

Have my VA mortgage with banco popular and my homeowners insurance with XXXX.The premium is paid out of the mortgage escrow account.I have had XXXX  insured the property for several years.Last month I attempted to claim damages from tropical storm Laura they informed me that my coverage had been canceled on XXXX banco Popular and they informed that policy XXXX was in force through XXXX of XXXX called XXXX and told them that the bank informed me that the insurance was active.When I informed them of the policy # XXXX  XXXX, I was told that policy had been canceled in XXXX of this year.Troubling fact of this endless scenario is that in the XXXX century we have email and mobile phones and neither of these devices were due by the mortgage server or XXXX  to inform me of the great perils I was facing.I a XXXX XXXX  veteran who served with the XXXX.I struggle with XXXX but attempt to live a normal and productive live.Please help I have been railroaded believe by both companies.Also believe I have over paid my insurance through both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation from XX/XX/2022 resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.     Experian is the one who put the fraud alert on the report then they notified   XXXX   and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Product: Debt collection

XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for SRS is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website XXXX XXXX Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You may also contact our office at XXXX or chat with us on our website. 

View your secure message in two ways From the Spire Recovery Solutions Mobile app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.
Product: Debt collection

Nationwide XXXX XXXX reported doctor bills on credit report that a haven't received any letters or phone calls of this debt I don't now if these are my bills National XXXX XXXX is a third party that bought these supposedly dept from the original creditor I don't old them nothing by law nothing have been validated the amounts are XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars
Product: Credit card or prepaid card

In XX/XX/XXXX we used a promotional balance transfer called XXXX XXXX with our Citi AAdvantage Gold Card. The promotional offer expires XX/XX/XXXX.
After calling Citi, to find out how we could pay off the promotional balance, I was told that we had to pay off our balance entirely before the XX/XX/XXXX, deadline, that our payments were applied to Standard Purchases, fees, and interest first.
My statement billing period of XX/XX/XXXX-XX/XX/XXXX, with minimum payment due on XX/XX/XXXX showed a new balance of $ XXXX.On XX/XX/XXXX, I made a {$500.00} payment, bringing the balance to {$7400.00}.
On XX/XX/XXXX I made a {$7600.00} balance payment online which included charges for {$48.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I selected the " Pay Balance '' tab. Once the payment was made, the system showed me a {$0.00} balance.
When I received the following statement for XX/XX/XXXX-XX/XX/XXXX, with a payment due on XX/XX/XXXX, I noticed that the XXXX XXXX  promotion was still showing a balance! I did not understand, as I had completely paid off the credit card to have it show a {$0.00} balance.
On XX/XX/XXXX I spoke with XXXX, supervisor XXXX, who kept saying over and over that they first pay off the standard purchases and then the balance. I thought maybe it was a language issue. He told me he would have someone call us back within 72 hours, but no one did.
Today, XX/XX/XXXX I phoned and spoke with XXXX XXXX XXXX an account manager, who after I explained multiple times that I had paid the balance off on XX/XX/XXXX to XXXX, told me that there was still a {$210.00} balance in the XXXX XXXX. She also stated I would have to pay the entire balance off the next statement plus an additional {$190.00}, which she stated would be an over payment, in order to stop the XXXX XXXX from charging the fees since it was an on going promotion until XX/XX/XXXX. I asked her if I was not suppose to use the credit card, once I had paid off the balance in full, and she stated that I would have had to pay off the balance every month in order for the XXXX XXXX to stop, although I had already paid off the entire credit card including the promotional amount of the XXXX XXXX. If you look at the statement with the payment due date of XX/XX/XXXX, it  shows the previous balance plus the over payment, and then the additional charges we made after the full payment had been made, plus the interest.
All the employees seemed like they were instructed to say the same thing over and over again without really acknowledging that once you pay off your balance entirely then any promotional debts end and the program ends because you have completed your agreement by entirely paying it off.
Citibanks transaction reports shows 3 additional charges that were made also on XX/XX/XXXX. These were not showing on the balance when I made off the total balance to bring it down to XXXX. If they had been, then I would have added those charges, as I did the XX/XX/XXXX XX/XX/XXXXcharges, and paid those as well. My ENTIRE reason for paying off the balance was to get rid of the XXXX XXXX balance transfer promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX to provide me with proof that I authorize a hard inquiry on my credit report they failed to do so therefore they are in violation of the Fair Credit Reporting Act section 1681 if they don't remove my hard inquiry I want {$1000.00} dollars. They sent me a letter telling me to contact another company but XXXX XXXX XXXX name is on my credit as a hard inquiry it is there job to provide me with proof I authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Unjustified late payments on my consumer report from creditor. Several FDCPA violations committed by the creditor CAPITAL ONE. 

See attachment for more information.
Product: Mortgage

My Name is XXXX XXXX. In XXXX I was laid off from my employment with XXXX XXXX XXXX where I worked for more than 11 years as a XXXX XXXX. After just a few months I ran out of my savings and was forced to fall behind on my Home Equity line of credit with Comerica Bank. After just a few short months I was offered a loan modification. After completing and submitting the modification package to the bank I never heard from anyone again until XXXX day I received a notice of default and a sale of my property. I would like a representative from the bank to contact me to discuss alternative options and to save my home that I have lived in since XXXX. XXXX XXXX XXXX XXXX and can not afford to lose my home and end up on the streets. Please help me to get in touch with the home retention department. I have tried to speak with someone since XXXX XXXX  XXXX.
Product: Debt collection

I have a debt with Capital One. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from XXXX XXXX  XXXX about a garnishment lawsuit that has been filed in behalf of Capital One. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach Capital One within the last 2 weeks to make some payment arrangements but, no return call as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to Equifax. By incorrectly reporting this amount to Equifax, XXXX is driving down my credit score with Equifax. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.
Product: Student loan

I experienced high-pressure sales techniques ( calling several times a day ) to enroll in the XXXX XXXX XXXX XXXX and take out student loans, although it was never made clear to me exactly how much i was taking out. In addition, i qualified for more federal student loans, but i was told that i didn't qualify, and would have to take out a private loan with Navient ( Sallie Mae at the time ) to get the money i needed for school. Some of the loans i got with a co-signer and received a lower variable interest rate, but the following year I was instructed try to take out on my own, and i received a 12 % interest rate. 

I was told that i was at my max for federal student loans ( not true ) at a lower interest rate. I also was lead to believe that Navient was my only option. I was the only person in my family to go to college -- i didn't have someone with experience to guide me. 

Moreover, the financial aid advisor at the school took the entrance and exit financial aid counseling exam for me -- he said it was common sense stuff and he quickly clicked through the information while i sat at another table. 

After struggling for years to pay the money back, accruing thousands of dollars in interest, I was finally able to refinance the funds under another lender for a lower interest rate. 
I was truly naive. I thought schools always had the best interest for their students in mind so i didn't think twice about it. I was wrong.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts directly with Equifax, debt collectors, and the original creditors. I have sent certified dispute letters, but Equifax has failed to rectify the situation or provide adequate documentation within the legally required timeframe.

Key Issues with Equifax : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : Equifax is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, Equifax has failed to conduct a reasonable investigation or remove these accounts.

2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. Equifax has not adequately provided this information.

3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires Equifax to block the reporting of fraudulent information. This obligation has not been fulfilled. 

Accounts in Dispute : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXXXXXX XXXX , Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Date Opened XXXX XX/XX/XXXX Balance : {$5200.00}. 

Debt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification.

I have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I am seeking your assistance in ensuring Equifax adheres to its legal obligations and resolves this matter promptly. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.