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

In XXXX of XXXX, I became separated from my wife. She returned to the household without permission in XXXX and my daughter and I moved out in XXXX. I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in XXXX and XXXX. The letters were sent out and postmarked before the end of the month, but XXXX marked them as 30 days late because their processing was a few days after the end of the month. <P/>XXXX has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily. <P/>I have included the XXXX payment that was accepted on the XXXX and not marked late. I have included my letter to XXXX. When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period. My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at XXXX to discuss. <P/><P/>Thanks for your help, XXXX XXXX
Product: Credit reporting

I applied to a loan. Transunion inform the bank that my automobile was placed for collection because I did not paid on time. I went to XXXX Bank in XXXX XXXX to claim that the information was a mistake. In XXXX 2015 I paid the car loan completed and today I have the title of my car. The Bank blame TransUnion or the computer. Then I called TransUnion and they blame the bank. Meanwhile, I need the make a loan and because of this situation now I have to paid 12 % of interest instead of 4 % due to the error on my credit report. Someone has to paid this mistake. I am very disappointed with both XXXX Bank and TransUnion Credit Report.
Product: Debt collection

MONTH TO MONTH BASIS ON A MEMBERSHIP ACCOUNT FOR A HEALT CLUB, NO CONTRACT, PAY AS YOU GO. 

THE HEALTH CLUB FILE A DISCLOSED AMOUNT TO A CREDITOR TO COME AFTER ME. 

I NO LONGER ATTEND THIS HEALTH CLUB, STOPPED ATTENDING, AND MAYBE TTHREE OR FOUR YEARS LATER IM BEING PERSUID FOR SOMETHING THAT HAS NO CONCRETE FOUNDATION. 

IVE ASK THE CREDITOR FOR A COPY OF MY CONTRACT, AND I WOULD GLADLY PAY THE AMOUNT THAT IS OWED, BUT GUESS WHAT THEIR IS NO CONTRACT. 

THE CREDITOR WANTS ME TO PROVIDE PROOF THAT I DONT OWE, HOW CAN I PRIOF IF ITS A MONTH TO MONTH BASIS WITH NO CONTRACT. 

PLEASE HELP ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Account XXXX : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Debt collection

You sent by mail information pertaining to alleged debts for LVNV Funding for accounts the company owns from ( XXXX ) XXXX  reference number XXXX and XXXX, XXXX XXXX XXXX reference number XXXX. The correspondence state you received information directly or From XXXX XXXX XXXX. I need to know where you received this information from, for my records as I continue to investigate this matter. The information Please provide who provided this information so I can investigate further into this matter. I keep receiving different agencies contacting me about varies accounts that I'm not aware of.
Product: Checking or savings account

I have a dispute with chime a unauthorized transaction on my account, once I was aware of the transaction I immediately called the police as well as chime. I followed all steps, I have assisted chime in there investigation the best of my ability, I have provided all documents that was asked of me by chime. Chime is not doing proper investigation and my dispute continues to be denied after there representatives said I was eligible for a provision. Chime most definitely is not bidding by there dispute policy nor Reg E
Product: Mortgage

I contacted XXXX XXXX TD Bank Mortgage XX/XX/19 asking for a copy of the stock lease and certificated. XX/XX/19 the bank supplied a copy which should have been identical to that of XXXX XXXX XXXX XXXX but had deleted the apartment number and added a stamp for assignment and transfer. 
I have asked TD Bank to supply a copy matching XXXX XXXX XXXX XXXX with the apartment number and they had replied that they have no such copy even in their vault. 
I would like the copy from TD Bank which must match that from XXXX XXXX XXXX XXXX. 
Should the bank be unable to supply these documents, I would like an explanation.
Product: Credit card

2 weeks ago I went to XXXX XXXX with my daughter to purchase a printer and a few household items I told her that I wanted to apply for the XXXX XXXX credit card so I could use the no interest for 12 months when I applied and was denied when I received a letter saying I had a delinquent accounts I had my daughter reach out to XXXX and we pulled my credit report to see there where 4 account that do not belong to me and address that I have never lived or no of. 


XXXX XXXX  card opened XX/XX/XXXX amount {$1200.00} Jefferson capital XXXX XXXX opened XX/XX/XXXX amount {$1300.00} Jefferson capital XXXX XXXX XXXX  open XXXX amount {$580.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$300.00} credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Ally Financial numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to do!
Product: Payday loan, title loan, or personal loan

This is my second complaint regarding a furniture loan that was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. After I received a resolution notice from CFPB a balance of {$1000.00} remains on my TD XXXX Second Look account. I am told the refund issued was made in error and the check which was referred to in the letter had a stop payment on it. However TD XXXX can not confirm receipt of the third check dated XX/XX/XXXX. They are stating that the check which was found was the first check and that upon trying to cash it they found it had a stop payment. This is true the first and second checks had stop payments, however I do not know the status of the third check. I thought the third check had been accepted and cashed when I received my refund, and the letter stating my balance was zero and the account was closed. I received an email today, XX/XX/XXXX that my payment was due soon. Upon calling in to the automated system it stated that my balance was {$1000.00} and the last payment was received on XXXX XXXX in the amount of {$1000.00}. I believe they may be trying to scam me to get additional payment. A total of three checks have been sent now, and the original complaint is the original complaint Two checks have been issued on my behalf to TD XXXX through a title company of XXXX XXXX XXXX in the process of a cash out refinance. TD XXXX initially claimed they lost both checks. The check amount is {$1000.00} XXXX check was delivered on XX/XX/XXXX via certified overnight USPS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX -The second check was mailed and delivered via USPS on XX/XX/XXXX to the same address. TD XXXX has no record of this check. XXXX XXXX XXXX states there is nothing they can do to help me resolve this. TD XXXX stated they were looking into it. Payments are generally made by me through onlineaccessplus.com XXXX furniture loan was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. When I asked to escalate the situation I was given the email address XXXX The first check that was lost which I inquired about got no reply. The second check email inquiry was responded to by another representative that gave me the same information as the prior representative who told me to email them. This response being- " We are looking into it. Please feel free to contact me for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Balance transfer XXXX to american express for {$5000.00} XXXX says they sent payment and american express says they never received it. 
XXXX says they did and sent a copy of the check. American express says they never got it or cashed it. This has been going on for 10 months now. Instead of owning one company {$5000.00} they both say I owe {$5000.00} which would equal {$10000.00} if they can't figure out what happened. How is this possible? Both companies do the same thing when I call with the same results. Both say its on the other to figure out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Debt collection

There is no contract, nor an original contract between LVNV and XXXX XXXX XXXX. They have previously ( XX/XX/year> ) failed to provide this as requested and have thus violated my rights per FCRA.
Product: Vehicle loan or lease

My 2017 XXXX XXXX  was financed thru capital one. I could no longer afford the payments. I called capital one to get the payoff ( I recorded the call ) and it was {$12000.00}. I sold the car for the same amount. 3 days later I called to have the exact payoff instructions emailed to me and then payoff then was over {$16000.00} since I had the previous payoff recorded, and after months capital one agreed that is was there error, and accepted the {$12000.00} payoff. It took them weeks to post my payoff, even though at their recommendation they placed a conference call to my bank, and my bank verified that the payment had cleared. Since it took them so long to post the payment I started getting late payment phone calls. Rather than have their lack of timeliness in posting my payment I made another monthly payment {$470.00}, so as not to affect my credit, and I fully expected that since I made the full payoff, and then an additional payment, that of course the loan would be overpaid and capital one would send me back the {$470.00} extra that I paid ... they ( office of the president ) refuse to send it back
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXXXXXX XXXX Oda- inquiry from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}
Product: Credit reporting or other personal consumer reports

I hereby state that I did not receive my periodic statement for my XXXX XXXX  account # XXXX from XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.
Product: Money transfer, virtual currency, or money service

I got a text saying that my cars was being use in a different state. I responded to the text saying that it wasnt me. I got a call from my bank saying that I had to do a reverse transfer through zelle, they took {$1000.00} from me. I called my bank chase letting them know what happens see if I could get my money back. They gave me a credit and a few weeks later took the money back and said there wasnt enough t evicted for me to keep the money.
Product: Credit card

I just paid my American Express Delta Skymiles Blue card a {$36.00} amount which is comprised of only late fees and interest. This started with a bill for {$9.00} that was due on XX/XX/XXXX. I paid it off on XX/XX/XXXX, 14 days late. I was then charged a {$9.00} Late Fee with {$0.00} interest for which I called customer service and asked them to waive which they agreed to do. It was my first time paying late with them. They, however, only waived the {$0.00} interest and not the {$9.00} Late Fee, which was also promised. As I erroneously thought this was over, they then charged me another late fee of {$9.00} with {$0.00} interest which I did not immediately notice. When I did notice the charges, I called them on XX/XX/XXXX to resolve and they told me no as they had already provided a credit within the last 12 months. This was the minor credit of {$0.00} for the initial interest. Today another late fee of {$18.00} was charged along with more interest of {$0.00} bringing the total amount owed to $ XXXX $ XXXX $ XXXX $ XXXX {$0.00}. As a reminder these are all late and interest fees. To avoid further trouble I paid the {$36.00} off today. This {$36.00} amount was solely driven by a {$9.00} bill that I paid 14 days late for which they promised to waive the Late and Interest fees for but missed waiving the Late fee. These are the Junk Fees customers have to pay to abusing financial institutions.
Product: Debt collection

Myself, along with my mother, my father and husband were called repeatedly from " unknown '' and " No Caller ID '' numbers on XX/XX/XXXX around XXXX CST. A voicemail was left with each of us from a XXXX XXXX from The XXXX XXXX in California requesting that I call back immediately as I have a balance owed through their firm for a Fifth Third bank account that has been closed out years ago. I was told that I would be served papers on XX/XX/XXXX and that they would not stop until I paid them. My husband was threatened that they would serve me papers and continue calling until I paid the balance due. 

The woman my husband spoke to when returning the voicemail that was left had a horrible attitude when pressed about who she is, what company she works for and her contact information. He spoke to a woman who would not state her name, but said that her boss 's name is XXXX XXXX. 

This exact situation occurred XX/XX/XXXX from the same XXXX XXXX, but it was a firm working out of Texas. They threatened to serve me papers over an amount owed ( more than what the bank account closed out and settled for ). I asked for an email and contact information to send proof of the bank account being closed and I was hung up on and never called again. But now myself and my family are being harassed by these scammers again.
Product: Credit reporting or other personal consumer reports

I have taken the necessary steps to address the inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly.

Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.