23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is with Comenity Ulta beauty rewards credit card. Late fees have been illegally charged onto my account since I opened my account. I was not late on some of my payments and I was still charged a late fee multiple times without being late on my payments. Also I made a payment on time of {$37.00} last month which was the amount it requested due online/payment portal to avoid any late fees and I was still charged a late fee. I was told that my payment was late due to me not paying a previous late fee but this was not true because the amount paid was the amount that the payment portal was requesting to be made to avoid any late payments or late fees. I was also enrolled in a hardship program and was told if I made timely payments of at least {$10.00} I would be refunded for all previous late fees and there was NO late fees reimbursed at all, even though I made the payments on time and paid more than the amount due of {$10.00}. I contacted customer service to report this and other discrepancies on my account and they were extremely rude and unprofessional with no resolution to my issues. I have been charged late fees on top of late fees illegally and promised late fees would reimbursed and they were not. Also this company has been calling me none stop even though I don't have a past due payment.I have currently been having issues logging into their online payment portal, it's not allowing me to log in, after I enter the verification code texted to my cell phone number it won't go into my account information.
Product: Credit reporting or other personal consumer reports

I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX  entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : TOYOTA MOTOR CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Product: Mortgage

There is a charge on my mortgage statement for {$83000.00}. This charge is identified as " deferred interest ''. I have disputed this charge, and solicited legal advice, at considerable expense, to advise me on the legitimacy of this charge for deferred interest. My lawyer informs me that he sees no basis for the charge. He has written two letters with extensive legal citations to persuade SPS Servicing that this is not a valid charge. Responses from SPS have been insufficient and pro-forma. I will attach extensive record of written communication to document this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX  regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Alleged Balance : {$91.00} Original Creditor : Progressive I have contacted both Equifax XXXX as well as XXXX XXXXXXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with Experian And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY XXXX XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$56000.00} - Charge off XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I applied for a home equity line of credit on  XXXX / XXXX / 17 . Before they pulled my credit, I paid for m y credit score  with   XXXX   XXXX  . My FICO scores came back as  XXXX , &  XXXX . I notified Key Bank to pull my credit and apply on the same date. My loan was declined because m y credit score  was  XXXX . No one can give me an answer as to why there is such a difference on the score, on the same day. Key banks report says that  XXXX  was used for their report. I have viewed my credit report and do not see anything unusual on the report.
Product: Credit card or prepaid card

Barclays closed my credit card account due to inactivity. I have about {$15.00} rewards with them and I can't get the {$15.00} because you need at least {$50.00} to redeem. I called and said there is nothing they can do. I asked to file a complaint and the agent said she will file a complaint but not let me know what would happen to the complaint ( no record of emails, etc. ) It's my money! Can't they send me a check or something?
Product: Debt collection

The original company XXXX sent me a past due bill notifying me that I owe {$240.00}. However, on XX/XX/XXXX I received information from XXXX XXXX that this debt has been acquired by AmSher Corporate, and the new amount owed is {$730.00}, which I find to be extremely surprising and inaccurate. Upon contacting AmSher Corporate, I was provided with payment options without any explanation of the bill, in a manner that I found to be quite rude. At this point in my life, I am experiencing financial hardship due to unemployment and lack of savings. The company has offered me the option to start making payments by mail, as I currently do not have sufficient funds in my accounts. Furthermore, they were unable to verify the date of birth I provided, insisting that it was incorrect, despite my certainty regarding my own date of birth. This has led me to believe that the company may be engaging in questionable or even illegal practices.
Product: Debt collection

I recently checked my credit reports and there is a collection account showing on my credit reports for a company called Convergent Outsourcing. The original account holder is XXXX and in the amount of {$720.00}. This alleged account does not belong to me and is causing negative information to be reported. I've already reached out to XXXX and they advised me to reach out to Convergent Outsourcing to have the negative information disputed and removed. I have disputed the Convergent Outsourcing collection account with all 3 credit bereaus and they refuse to remove the alleged debt. At this point I would just like it to be removed so that I may be able to acquire new credit and build a positive portfolio.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and I have identified fraudulent activity on my credit report. I request that the following account, which is a result of unauthorized activity, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was notified by email and push notification on my cell phone that exactly {$500.00} cash was withdrawn at a XXXX location via my PayPal account. Per the PayPal application on my phone this happened at XXXX XXXX  PST. Within minutes after receiving the notification I contacted PayPal to let them know of the unauthorized transaction. They said they would open a case and it would be no problem getting my money back after they looked into it. 
After not hearing back from PayPal for days, I reached out to them. They told me that they could not prove any fraud and they had to deny my claim. They claimed they could see the transaction was done on my IP address that I have used to sign into Paypal before and they claimed it was done on my cell phone which I have used to sign into Paypal before. They also said XXXX is required to check photo ID when anyone does a cash withdrawal. 
I asked PayPal to tell me which XXXX the transaction occurred at. They told me they could not provide this information. I went to my local XXXX in XXXX  XXXX, California and they told me unless Paypal can provide the location that it happened they could not pull the security tapes to prove I was not there making any cash withdrawal. 
After calling Paypal back multiple times and explaining the issue they claimed to have reopened the case on two separate occasions. After giving them every opportunity to correct the issue and having them never proactively reach out to me to follow up on any of their investigations it is clear that in their mind no fraud has happened. 
I am the only person who has access to my PayPal account and I have not had an ID stolen or lost. I never even knew you could withdraw cash through PayPal at a XXXX and am 100 % certain this is fraudulent. 
After giving up on my attempts to solve this with Paypal I took to the internet to find any further information. One of the first things I came across after a quick XXXX search was this : https : //www.paypal-community.com/t5/Disputes-and-Limitations/Unauthorized-withdrawal-through-XXXX XXXX  This is a forum post on Paypals own forum website. Dozens of other people have had this same issue surrounding cash withdrawals at XXXX locations through their Paypal accounts. Most of them had exactly {$500.00} cash withdrawn as well. I brought this up to Paypal and they just dismissed it choosing not to even acknowledge its presence. They just say their team looked at the case and denied the claim. They claimed I was talking to the highest authority they had even after I let them know I was taking this to the consumer financial protection bureau if there was nothing else they could help with. 
Please help put a stop to this scam and let me know how else I can help to get this sorted out on a personal level and for potential victims in the future. 

my Paypal account is under my name and/or my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ran my Credit Report in the month of XX/XX/2022 without my consent. I did not apply for any credit cards or loans with this bank ever. Not affiliated with them. How could this happen?
Product: Checking or savings account

USAA bank is hurting a military family of XXXX. The commercials are incorrect when it comes to fraud coverage. They want to call it a scam Instead. 
XX/XX/2020 someone committed fraud and stole XXXX dollars from my husband who is in the service and myself. My identity card and military ID was also stolen. A woman imitated ( stolen ) a surgical company name. And took money from us. We did not authorize the charges to her. The money was taken by XXXX XXXX and XXXX XXXX. 
USAA covered 2 out of 5 charges that were committed by the same  person. They now dont want to cover the rest of the charges and are putting it into collections and told us they dont want to do business with us. They are picking and choosing what they want to cover for fraud and not cover.

We called 30+ times reported it as soon as we noticed and begged and cried for help. They wouldnt help and would never call for information and made there own determination.

We filed police reports with local detective and the federal trade commission. We gave the police all the information and found out the suspect.

Usaa will not communicate or try to work this out and we are a family of XXXX  on one income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a trial modification agreement with  Ocwen  Mortgage and accepted the 3 monthly payment option from them. The initial payments were due   XXXX   XXXX  2017   ,   XXXX   XXXX    2017  and   XXXX   XXXX    2017. Although I  have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with  XXXX ,  XXXX  or  XXXX . These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by ocwen is negatively affecting my  credit score a nd potentially keeping my score from being higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX I experienced credit card theft. I alerted First Progress of this event and they removed their late fees and the fraudulent charges associated with the theft. However, they never updated my credit report as they stated they would in this type of situation. I was told that the back office sends this information to the credit bureaus when theft occurs. It's been over a year and it's still showing. On several occasions I have requested that this information be updated with the credit bureaus to remove the false late payment they have reported. Per their instructions I have written, mailed, and faxed my request. I was told the fax was never recieved, even though I have the confirmation that it went through successfully. Their customer service representatives are very rude and unhelpful. I need assistance removing this late payment off my reports bc it's severely affecting my credit rating. I have made every effort to have this corrected. Additionally, I paid the false charges to ensure I didn't recieve a second late payment charge. I've been told that the overpayment was refunded ; however, I haven't recieved it and advised them of such. They stated it was never returned and to request the payment again. I have sent that request as well and haven't recieved my refund. Please assist me with this matter.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is an inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have an closed account reporting on my credit report being reported by experience and TransUnion from XXXXXXXX XXXX XXXX  that was closed XX/XX/XXXX and the date of last payment was XX/XX/XXXX however it has been constantly changing the date last active which should be my last date of payment which is extended my statue of limitations and perpetuating this incorrect information on my report am requesting method of validation the process used to validate this debt and all correspondence you have 15 days to provide this
Product: Mortgage

Section 51.002 of the Texas Property Code had been violated by the foreclosure attorney not sending notice of the sale to the borrower 21 days prior to the schedule foreclosure sale date. The notices must be forwarded to the debtors most recent address as shown by the lenders records. ( The day the notice is postmarked counts as the first day of the required 21. ) The foreclosure attorney has the correct mailing address for the borrower proven by previous certified mailings sent in a timely manner and received by the borrower. 
As of the date of this document NO such notice of sale has been sent to the borrower per Texas property code and therefore the schedule foreclosure sale date of XX/XX/2019 must be set aside and proper notification must be sent to the borrower in the required amount of time.
Product: Checking or savings account

Deposit today at Citibank personal check form XXXX amount of $ XXXX. After deposit was done they informed that funds will be available in 7 days. See attach