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

On XX/XX/2023 I received a text alert from XXXX XXXX  indicating that my XXXX XXXX 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from XXXX XXXX. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru XXXX XXXX  and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I joined XXXX ( formally Transferwise ) to send money to my friend in XXXX. When the money was not received, I contacted XXXX and told my account had been deactivated. I was not given a reason why my account was deactivated just a list for possible reasons. I then filled out forms to have my money returned. i have tried many times but when I got to the last page where I prove who I am with a selfie and ID. The company app won't download the photo. XXXX 's help center keeps saying they are busy try later. There is no phone number to contact XXXX and the app is apparently the only way to contact them. They have XXXX dollars of mine which I want back. I was hoping you would be able to help by contacting them. My XXXX  is XXXX and phone is XXXX XXXX XXXX XXXX. I want to Thank you in advance for your help in clearing this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I called they did not have my account on file it was not verified. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),
Product: Credit card

ANY CREDIT CARD THAT I HAVE THAT IS SERVICED BY SYNCHRONY BANK ALWAYS INVOLVES STATEMENTS THAT ARE NOT MAILED, LATE FEES, AND BOGUS INTEREST ADDED TO MY ACCOUNTS I RECENTLY HAD AND REPORTED AN ISSUE ON MY BP ACCOUNT. I FULLY PAID THE BALANCE AND CUT UP THE CARD BECASUE IT WAS SERVICED BY SYNCHRONY. I HAVE WRITTEN LETTERS TO BOTH BP AND VISA TO LET THEM KNOW THAT SYNCHRONY IS DAMAGING THEIR BRANDS WITH POOR SERVICE AND CHARGING FAKE FEES. NOW THE SAME THING HAS HAPPENED WITH MY WIFERS JC PENNEY CARD. TO MY SURPRISE WHEN SHE CALLED THE JC PENNEY NUMBER ABOUT ANOTHER ERRONEOUS LATE FEE, SHE WAS ADVISED THAT SYNCHRONY HAD TAKEN OVER SERVICING. I HAVE NOW PAID OFF THAT CARD AND CANCELED THE ACCOUNT. I WILL NOT DEAL WITH SYNCHRONY AS A SERVICER. MY FICO SCORE IS PRISTINE AND I HAVE NEVER HAD ANY ISSUES WITH PAYING BILLS UNTIL SYNCHRONY TAKES OVER SERVICING. PLEASE INVESTIGATE. FOR EVERY NOTE YOU GET LIKE THIS, SYNCHRONY IS RIPPING OFF UNWITTING, AND UNSOPHISTICATED CREDIT CARD USERS. THEY ARE ALSO LIKELY SCREWING UP USERS FICO SCORES. TO BE FAIR THE REPS ON THE PHONE ALWAYS REVERSE THE LATE FEES SO THERE IS NO FINANCIAL LOSS. MY CONCERN IS HOW MANY OTHER CONSUMERS THEY ARE RIPPING OFF WITH THEIR MAILING AND POSTING PRACTICES.
Product: Debt collection

I Asked for Jefferson Capital to provide the debt validation Back in XXXX With a 30 day reply. No such reply was done. Now I am getting contacted by a law firm of XXXX, XXXX XXXX XXXX, XXXX. 
I contacted jefferson capital and told them I have no idea what this debt even is. Still no response on the validation.
Product: Payday loan, title loan, or personal loan

This company outright lies. A previous complaint was filed. The complaint number is XXXX. In their response they stated they could not send paper statements because we moved and they could not contact us. That is a lie. We have not moved since the inception of this loan. They promised to send us a statement, we won't hold our breath. I will be filing another and another and another complaint when we don't receive the statement. This company illegally gave us this loan. They don't have a license to practice in the State of Wisconsin. I so feel we legally don't have to repay this loan!
Product: Mortgage

My wife and I bought a house in XX/XX/2023. At closing, we paid the amount for XXXX and XXXX. The loan was sold from the originator ( VanDyk Mortgage ) to a different servicer ( XXXX ) effective at the end of XX/XX/2023. I made all payments on the loan except for the XXXX XXXX payment that was owed to the originator rather than the servicer. I accept that I owe that amount, but simply missed it because they sent me the information about the new servicer before it was even time to make my payment to the originator. I made all subsequent payments to the new servicer on time. 

In XX/XX/2023, I received a mailed statement ( attached ) indicating I owed the originator XXXX months of back payments, totaling {$19000.00}. The same information was added to my credit report. 

I reported this mistake to the originator via email ( attached ), pointing out that while I did owe the amount for XXXX, I clearly did not owe anything for XXXX, XXXX, or XXXX, because they had sold the loan to another servicer. I asked them to correct the false statement and the false information filed to the credit bureau that reflected an overdue balance of four months, instead of just one.

The originator replied in an email ( attached ) and directly said that : 1. They knowingly mailed me a false statement : " Unfortunately, the system gets confused when there is a pending transfer that goes delinquent, and it keeps adding the late charges and monthly payments every month until we receive the final payment and inactivate the loan. '' This indicates to me that I am not the only person to run into this problem, and that they are aware of it and mail out incorrect statements routinely in the course of their business.

2. They would not send me a corrected statement with the right total, or fix the false amount reported on my credit report, until I made the back payment for the missing XXXX payment. 

While I accept that I owe them the XXXX payment, and am even happy to make it immediately, I am concerned about a few things : - other mortgage holders who face this same challenge with this company are receiving false statements that mislead them into making overly-large payments that may never be returned - the originator is not allowed to refuse to fix the incorrect portions of my statement and credit report until I make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove the bankruptcy from my credit report because that on was to old and you supposed to removed a long time ago. 
Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Checking or savings account

Someone pulled out money on my direct express card in some other town with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXA Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm absolutely LIVID!!!!!! I have contacted ALLY several times in regards to this situation where they're reporting a prepaid lease that closed in 2015 as delinquent and open. I have spent literally hours on the phone to rectify situation. ALLY needs to be held accountable for this duress placed on my family. The prepaid lease was paid in full and turned in and enclosed is letter from ALLY releasing me from all obligations. What they're doing is willful and reckless. I have consulted an attorney about litigation. Enclosed is snapshot of libelous information and letter received from ALLY indicating released from all obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX f {$330.00}
Product: Debt collection

Received notification of a negative mark on my credit report. Disputed with credit bureau as well as agency. After looking into this more, the collection agency purchased an old debt that was past the statute of limitations and had already been taken off my credit report. They filed this as a new debt which is a violation of the Fair Debt Collection Practices Act. Want this off my report immediately and the company should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Volkswagen Credit for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in regard to the reporting of my account as 30 days past due for the month of XX/XX/XXXX. As evidenced by the attached document, I paid off my vehicle in full on XX/XX/XXXX. Despite this, my account was not updated to reflect a XXXX balance and a paid-off status. On XX/XX/XXXX, I was falsely reported as 30 days past due, which is clearly impossible given the aforementioned payment information. 

As a result of this inaccurate reporting, I have suffered damages to my credit report and mental distress. I request that Volkswagen Credit rectify this situation by immediately removing any late payment reporting and taking appropriate measures to ensure compliance with the FCRA and FDCPA in the future.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 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 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

This account was closed and should have should paid in full. I have been emailing and submitting tickets about the inaccuracy of my reporting and they are admamant my account is not open with XXXX or I dont know what I am talking about. I have included an extensive email trail for your review asking them to fix my account and providing proof.
Product: Debt collection

Hello, I am writing today because on XX/XX/XXXX, I received a derogatory mark on my credit report from Convergent Outsourcing. In over 10+ years of having credit, I have not ever had such a mark placed on my account as I work very hard to pay all of my bills on time as I know how important my credit is. After investigation of this company, I believe this may be linked to a previous account that I had with XXXX, which was cancelled and fully paid for after their most recent data breach in XXXX. However, I dont know for sure if this is as a result of the cancellation and what this is for as I was never contacted at all about this. I am making this assumption as I found hundreds of horror stories online associated with this company and their scam collection attempts of previous XXXX customers. I never was allowed the 30 days to contest this debt and ask for proof of who and why this charge was issued against me, because I was never notified of this debt by either Convergent nor XXXX. This is illegal and predatory. My credit is now severely damaged as a result of this. I will be sending a verification letter request, disputing with the credit agencies, and getting a lawyer if needed. I work so very hard and i will not sit idly by while my financial future ruined. Please assist me with getting this resolved. This is, by law, criminal and this particular agency appears to be known for scamming people. I can not address a supposed debt that I didnt know existed in the first place. And I would have addressed this for sure. My record of always making my payments and on time speaks for itself. I do not play around when it comes to my credit score. This is my future at risk.
Product: Debt collection

I'm requesting that this collection be removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from BMW Financial Services that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that BMW Financial Services were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Checking or savings account

I got an email and text message that an account was opened for me at XXXX. I didn't request this account to be opened, and I have no idea if that company is legitimate. I called their number XXXX to close the account, but they refused to close the account unless I give them PII ( ssn, dob etc ). I don't know if this is a real company, or if they just email people and then demand PII when they're called. I told them they could look up my phone number and email address and close the checking account. They refused.
Product: Credit card

Hello I have been a Barclays account holder for several years having multiple accounts. They ended up closing my Barclay Arrival XXXX ending in XXXX however they did not release the accrued rewards in the account. I talked to someone when I inquired about my account closure and it was my understanding that I would receive a check for the rewards that were accured which was for over {$1000.00}. I have not seen any credit/check from Barclay and any further communication to them tells me I will get account closure info in the mail. On my XXXX XXXX, 2015 statement it indicated I had XXXX reward points available. However I have not been able to get these rewards out.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : " Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Also XXXX has removed this account from my credit report as well Between XX/XX/XXXX, and XX/XX/XXXX. 

Account Name : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the account XXXX. ( XX/XX/XXXX. I recently obtained a copy of my credit report and found several inaccuracies and instances of noncompliance with the XXXX reporting reported. 
Account Number XXXX XXXX verify for accuracy XXXX Please verify for accuracy XXXX verify for accuracy XXXX questionable XXXX field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXX was no complete or full investigation done and how was it verified/updated XXXX field and it's required Also, upon reviewing the XXXX XXXX compliance guidelines and CDIA reporting requirements, I have I identified the following discrepancies. 
XXXX XXXX ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First XXXX field is missing from the report, and this must be present, or you delete this account immediately ECOA XXXX field is missing from the report and this must be present or you must delete this report immediately. 
Also I have another discrepancies concerning the payment history. 
This account went into collection in XX/XX/year> and since the account has repeatedly been updated as collection every month. This is an update on the payment history. A collection account should never include a past due balance. ITS A VIOLATION-PLEASE DELETE THIS ACCOUNT XXXX also attaching proof concerning the payment history as well as the missing fields.
Product: Student loan

They miscalculate the interest. I called them, and the rep on the phone did the math, and got the same number as me. The CORRECT amount of interest. He got a supervisor on the phone and neither of the could explain why I was being charged more. They agreed to send me a letter detailing the interest calculation and the payments applied. It still didn't make any sense. The principal balance on the statements never matches. I have been paying for over a year and my balance has only stayed the same. The interest that should be charged would have the payment give {$9.00} towards the principal, yet the balance remained the same. I paid an additional {$20.00} as a test, and it all went to interest. Now that the fed has dropped the rate to zero, there were 13 days in my billing statement before it went to XXXX. The interest should have been {$61.00}. Instead, I was charged {$79.00}. I have spoken to them, yet they do nothing. It's really sad that they have already been sued for this, yet they do nothing to change it. They are stealing from me and countless others. They also stated that once I started making payments, they should have capitalized the outstanding interest which they did not. They claimed that is the reason I have nothing going to principal, because I have been paying the back interest. This is unacceptable behavior from a loan servicer. I work in mortgage and we would be HEAVILY find for doing these illegal activities. This month ( XX/XX/2020 ) was the first month my payment increased based on the payment plan I am in.