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

I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.
Product: Credit card or prepaid card

My company was charged at least {$18000.00} in XXXX  months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) due to what was called late fees and interest fees. When I discovered the issue in XX/XX/XXXX I contacted the company to discuss the statements and payments made, they were unwilling or unable to explain why I was being charged. Instead I was told the system attached the fees and there was nothing they can do about it even though my balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Premium Credit Bureau is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Mortgage

I am demanding that the Original promissory Note to be returned to me Now associated with loan number XXXX
Product: Money transfer, virtual currency, or money service

FROM XXXX-XXXX  I SCAMMED BY FRAUDERS VIA XXXX ROMANCE SCAMS AND XXXX EMPLOYESS IN THE MONEY SERVICES AREA AT STORES.. 

I HAVE BEEN SCAMMED FOR MORE THAN {$260.00}, XXXX AND IT MONEYGRAMS, XXXX AND XXXX PROBLEM. I WANT ALL TRANSFER IN MY NAME..
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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. TransUnion Never Sent the periodic statement along
with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Previously, I engaged XXXX XXXX XXXX XXXX XXXX to review and correct my consumer credit reports. On XX/XX/2024, XXXX XXXX XXXX XXXX XXXX requested Portfolio Recovery to validate the alleged debt or delete the account. However, there is no record that Portfolio Recovery has validated the alleged debt, nor has the account been removed from my consumer reports.
Product: Debt collection

Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.
Product: Credit card or prepaid card

Under a prior investigation, Citibank reported that they could not accept payment to clear the Sears Card charge off that appears on my credit report. They acknowledge their total lack of customer service and egregious late fees of XXXX presented for a XXXX purchase. 

They merely refuse to assist and are advising me to standby for the negative reporting to evaporate. Please request the negative reporting removed. This account failed due to poor communication and exorbitant Citibank fees. 

Removing the chargeoff in recognition of my XXXX Government service status and otherwise commendable credit history would be a redeeming act for the villainous massive Corporation and would help me in performing a large consolidation putting me a step closer to meeting the financial requirements that my wifes terminal illness represents.
Product: Mortgage

I have never been modified and I have recently been declined again for a modification by CHASE. CHASE seems to be only looking at a HAMP modification. They 're hiding behind the government program to not offer me help. I told CHASE up front I understand I may not qualify for HAMP. XXXX of America do not. But trying to get a fair review for an investor modification has been difficult. CHASE 's modification department is very dysfunctional and does not seem to want to help me.
Product: Credit card or prepaid card

This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree. 

First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments. 

why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments. 

As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements. 

Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.
Product: Consumer Loan

Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.
Product: Credit card or prepaid card

XXXX # XXXX XXXX : {$3000.00}. 
Bought on XXXX Merchant : XXXX I ordered medical surgical disposable face masks. All medical masks have to have a filter layer per FDA who regulates the medical and dental supply. This person that sold us masks through XXXX  sent us masks that did not even have a filter layer in the middle of the masks. The masks were 2 layers of screen material. you could look right through the mask and see threw the other side. 
All the masks were sent back to the XXXX XXXX, return to sender via XXXX. XXXX Did a pick up on XX/XX/XXXX pick up # XXXX We could not use any of the masks as they were not even of any value at all. 
We sent pictures of the masks cut opened to show it had no filter layer and thereby would have infected a lot of people if they did not see these were fake masks. It is easy for even the XXXX  person out there in the public to see that this was not a real mask. We have asked the seller many of times to take them back. But they did not want to at first. then on XXXX they said we could return them make sure we listed 3rd floor on the return address. But we had them sent as return to sender which means XXXX will send them back to the address listed on the package as the return address at seller/shippers expense. Again we have already done just that. 
We have also had some luck with another dealer writing a letter for us stating these are not even face masks. But again Capitalone would not accept that. they try to come up with any excuse not to credit us back. 
the Buyers Guarantee from the XXXX  website and the sellers Shipping Guarantee is if it is late past the 15 days we can get a full refund. We ordered it on XXXX it was not delivered until XXXX. So even under the Guarantee we are entitled to a refund!! Capital one does everything they can not to issue a dispute for the merchant in these cases with XXXX. I Don't know why. But they are making the American Public lose confidence in the payment system and credit cards. 
We have Disputed this with Capitalone 3 times now with no Help at all. and this is a fraud case.!!!
Product: Bank account or service

In 2009 I became XXXX and my wife 's company downsized. I had a checking account with WELLS FARGO. When we could not pay our debts, judgements were served against us by the superior court of XXXX County NJ. We were living on my social security XXXX check. on 2 occasions, WELLS FARGO at the request of the XXXX County sheriff, seized my account and took my XXXX funds. A first year law student knows that these funds are not able to be seized by commercial entities. I went to court and the sheriff returned there portion of the funds. WELLS FARGO refused, saying, " it is an administrative fee ''. the absconded with {$120.00} and {$100.00}. Following the latest developments of WELLS FARGO 'S criminal activity, I want my XXXX money returned. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on Early Warning Services cause they have me in their system and I have been a victim of Identity theft. I am having issues opening a bank account due to a XXXX XXXX  XXXX account that was opened fraudulently in my name. I have filed a police report and tried to clear the report with Early Warning Services but they have failed to remove the fraudulent reporting or send me a report with any other information that might be fraud.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on XXXX XXXX XXXX and Experian, as a charged off account. Since the account is charged off, by law, the lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with something. Equifax has they investigated. An account on my report from XXXX XXXX XXXX for the amount of XXXX!! I have a few problems with this, 1. Im a victim of identity theft!! 2.. Ive never done business with XXXX  or entered into a signed contract with this company!! 3. On XXXX XXXX XXXX delete account from my report. But Equifax sends a letter saying its verified. Equifax how did you verify, who did you speak with at the company, what proof did you receive showing I owe this debt. Per the FCRA you must report true and accurate information and you are in violation. I will just have to seek legal counsel, because you Equifax keep ignoring me!! Please see attached FTC report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 loan accounts with discover bank student loan, all of the accounts were paid in full with a settlement and closed in XXXX. But Discover Student Loan Crop still state that my accounts are still opened and still delinquent because in XXXX, those accounts were delinquent. 
HOEVER, Delinquent accounts are those have not made at least a minimum payment for 30 days or more. 
BUT, my accounts were paid and closed after XXXX, in year of XXXX. 
I called Discovery Student Loan, their answer was very confused. they said doesn't matter these accounts were paid in full and closed after XXXX, they are still dispute the amount in XXXX. 
I felt confused because when I paid them in full in XXXX, these 3 accounts were not delinquent anymore, the company should not file delinquent collection for the delinquent amount in XXXX. I am also afraid that they will ask me to pay them any amount that I own them in any year before XXXX when the accounts were paid in full and closed. 
The delinquent they put on my 3 accounts are WRONG!
Product: Debt collection

i paid my {$42.00} bill and they keep calling me about 6 times a day when i tell them im at work and can not take calls.
Product: Credit card

One of my credit cards has recurring duplicate transactions that are from like a XXXX at the wrong location.
Product: Credit reporting or other personal consumer reports

I DO NO RECALL ANY OF THIS INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report.
Product: Vehicle loan or lease

On XXXX a recurring payment was scheduled to Honda financial that resulted in an entanglement of payment methods. 
I have been unsuccessfully in recent attempts to resolve payment methods in their system. 
Honda has a hook and tie method when a customer wants to use a payment from a bank. 
However, when a customer wants to delete a payment from a bank, their system won't let you do so. this resulted in my payment drawn from the wrong bank account, and a fee being charged.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. The creditor agreed to delete this account. I would like it removed from my credit report
Product: Credit reporting or other personal consumer reports

I finished paying my car noteLast year XXXXXXXX XXXX XXXX XXXX however sometime before that, in XXXX XXXX XXXX XXXX, about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XXXX XXXX  about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX  quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from XXXX, trans union and XXXX XXXX every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why Im not able to retrieve my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a prequalification application for a home loan at XXXXXXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on Experian. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXXXXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXX XXXX XXXX XXXX. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him four times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXXXXXX XXXX  nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called Experian today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at Experian said all I can do is ask XXXX XXXX to fix it because Experian can do nothing. I do not believe that's true. I've asked how I can dispute this directly with Experian, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX  specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.