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

On XX/XX/2023, I submitted a request to update the balance to reflect that the account balance was paid in full. 
On XX/XX/2023, Equifax reported that they had confirmed with XXXX that the balance was {$72000.00} and that was the last reported amount from XXXX. 
It is highly unlikely that Equifax had an update as my credit report is missing XXXX or more of the last payments. Likewise, I suspect that they were unable to get an update from XXXX, therefore they faked an answer so that they could close out the complaint at my expense. 
Equifax Confirmation # XXXX On XX/XX/2023 I complained to my state agency and they referred my complaint to Equifax. Equifax opened another inquiry but failed to alert me. Likewise, it appears that they once again failed to reach out to XXXX to update my file. 
This is again highly suspect as XXXX XXXX was able to confirm the erroneous information in less than XXXX weeks when I reached out to them in XXXX. 
Furthermore, I was easily able to confirm that XXXX has proper record that this loan was paid off and properly settled months ago, through multiple channels. 
It was as simple as making a phone call, sending an email and pulling up the online account. 

Equifax clearly has disdain for the consumer and by failing to act prudently and subsequently dragging this out, they are significantly hampering my ability to access the credit I need to secure my lively hood. 

Please investigate the practices of deception by this company and help me get my credit report repaired and properly updated.
Product: Credit reporting or other personal consumer reports

The current issue involves an incomplete and inaccurate credit report from TransUnion XXXX and XXXX, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from TransUnion 's XXXX and XXXX website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Product: Checking or savings account

First of all I want to say how devastating  this has been for me and the stress of simply trying to recover my money its been more than 5 months almost so I made a claim in which I sent in the police reports which is 2 of them Ive also included the detective number in my case Ive also included multiple pictures of my place of living being broken into and vandalized and stolen information like passwords and pins my social and Id, phones etc that were stolen from me and Ive included the police department number and case id and a message stating that the suspects have been arrested in my case therefore I dont see why I havent gotten credited and a bunch of Misinformtsion in regards to my claim. Stating that theres no post yet that it will be in couple of days n then saying that it was posted and its been withdrawn but then Ive never received a value alert Im still currently as of XXXX XXXX  stating that its still under review but when I talk to a rep they say the money has been posted n deposited its been a living nightmare Ive also applied for the emergency cash to see if o can receive something meanwhile case gets investigated and nothing nothing at all Ive received no money and this case has been going on since XXXX edd my only financial support as of the moment and havent been able to get any of my money since XXXX its insane I have pictures detective number police report to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

I have asked Chase Bank REPEATEDLY -- twice in person, and at least once over the phone to close checking account number XXXX with routing number XXXX as I NO LONGER NEED IT. 

For whatever reason, they are keeping it open for THEIR convenience, not mine!
Product: Money transfer, virtual currency, or money service

I sold my phone through market place on XXXX and the buyer scammed me. He pretended to set up the payment process through XXXX pay because it was more legitimate than others and more secure. I had never used XXXX XXXX and he was aware of that and that I wasnt familiar with the process. I got an email starting the process saying I had to ship the phone first and email them with the tracking number. The buyer got an email saying he had to deposit {$300.00} first to make my XXXX pay a business account to receive the payment. He did that and got them refunded and even sent me a confirmation email. I started getting sketchy emails requesting more money for verification and government approval. The emails seemed odd but I had never done any of this. I couldnt contact XXXX or XXXX marketplace to further investigate. What made me do the process is that he sent me a screenshot of the refund process from the same email I was getting them. I sent a total of {$500.00} through zelle and my bank wont give them back. I never got the {$350.00} for the phone. I couldnt contact anyone about this other than my bank and police who wont do anything about it
Product: Credit reporting or other personal consumer reports

Hello, Im concerned Ive been receiving debt messages I do not recognize. Upon checking my personal information. I notice a company I do not recognize. XXXX XXXXXXXX XXXX  ( XX/XX/year> ) In addition debt messages have been received associated to XXXX. Please remove from my personal information as spouse as I have not provided any information or have consigned anything with this name ( XXXX ) remove from my personal information. 
XXXX XXXX from XXXX. This account has been deleted more than 2 times and it keeps appearing. Please remove fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted FTC 's 5 times at this point. I get mail stating the inquires will be removed and they haven't been. I call in and they tell me to submit it again. This is out of control and they need to do as they said. This seems to be illegal and XXXX going to consult a lawyer.
Product: Debt collection

I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I got a call at my place of business, she did n't tell me her name only where she was from. When she asked if I would take the settlement, I said I could n't and I could pay a certain amount a month she began to harass me saying they wo n't accept my offer, they only will accept if I take the settlement amount. I informed her I have too many medical and other bills I am paying at the moment, and I have no other choice. She then proceeded to tell me I have a full time job, and that none of my other bills were important or even existed. She than harrassed me stating she would make sure I 'll never be able to rent a place ever again, and that she will submit my claim as " denial of payment '' when I tried to start and make a payment right then, just because I could n't make all of it at that exact moment.She used obscene language and threatened to make my life XXXX for not paying the entire amount. I was at work, this was in front of my boss and my coworkers. It was completely rude, and she had no right to call me at my place of business and speak to me the way she did.
Product: Credit card or prepaid card

I submitted a complaint on XX/XX/2020. COMPLAINT ID XXXX. 
This is an update comaint to provide more important information on documented proof that Capital One acct ending in XXXX purposely is stalling the posting of electronic ACH BILLPAY payment in order to generate late fees I didn't deserve. Regarding they took 8 days to post the last one, charged me {$25.00} late fee when i was within all requirement. See other complaint for info. I made another payment on XX/XX/XXXX. This time it took only 2 days to post. The reason this is important is that my due date is not for 15 days from now so they couldn't stall intentionally to force me another unjustified late payment fee. See attached documents for verification. 
PREVIOUS COMPLAINT INFO : My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru BILLPAY on XX/XX/XXXX. I have used BILLPAY for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy an d privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this
issue.
Product: Mortgage

Numerous letters and appeals to SPS Servicing requesting loan modification or reduction in mortgage payment as I 'm financially strapped. They send the same paperwork repeatedly after I 've completed and faxed to them many times. They continue to say this is in process after 7 months. Calls have been placed, with the same statement of completing paperwork that was previously completed & faxed. They have my condo listed as vacant, I live here. I 've provided utility bills as proof.
Product: Money transfer, virtual currency, or money service

Dear sir : Last Saturday XX/XX/2020, I transfer {$66.00} by the app of Remitly to a relative who lives in XXXX. The person in XXXX hadn't authorization to receive international transfer when I transfer the money, when I realized I told him and he did it. 

When I checked the App it appears IN PROGREESS and say Delivery expected XX/XX/XXXX at XXXX XXXX EDT. 

I'd put the complaint a five times to Remitly but my problem hadn't any solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well
Product: Mortgage

On or about XX/XX/2019 I received a late notice from my mortgage company. I checked my bank account and my mortgage payment cleared on XX/XX/XXXX. I called my mortgage company, they had to submit a ticket and it could take up to 10 days for correction. XXXX, the customer service representative said I needed to make my XX/XX/XXXXpayment in XX/XX/XXXXso that my credit report did not show 30-day late payment. I made my XX/XX/XXXXpayment over the phone to XXXX. Five days later, I received my new statement that showed my entire XX/XX/XXXXpayment misapplied to escrow. Nothing to princial or interest and I always include an additional {$100.00} to principle, which was applied to a late fee. I called again, I called again, I called again. Each time a 10-day ticket, no resolution, no payment applied to additional principal, only more late fees. On XX/XX/XXXX, I spoke with XXXX from the XXXX, AZ office she looked at the entire ledger of applied payments and an equally long ledger of unapplied payments and said she would call me on XX/XX/XXXX because she escalated the ticket to a two-day ticket. Today is the XX/XX/XXXXI got another letter in the mail showing another late fee. And I called today to talk to XXXX and she did not take my call. I can not begin to relate the fear and frustration. You hear everyday how consumers lose their homes. I feel like XXXX and Specialized Loan Servicing is XXXX. I cried, I screamed, I begged. XXXX, hung up on me. I have no further recourse but to reach out to an oversight agency. Please help me.
Product: Debt collection

This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times.
Product: Checking or savings account

My complaint is that Bank of America has decided to stop lending to firearms companies that make XXXX firearms. I have a large account with XXXX XXXX and plan on moving all of my money if Bank of America do not rescind their policy.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in 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. 

XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There are credit applications that were submitted in my name using my personal information that is fraudulent.
Product: Credit reporting or other personal consumer reports

This is my 10th requests 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a new XXXX  at XXXX XXXX and at the last minute they used high pressure tactics to sell me a number of extended warranty products via XXXX XXXX. I wasn't too worried as the contract allowed cancellation within 60 days for a full refund, or a pro-rated refund after that. I have been trying for months to cancel this and just keep getting the run-around from XXXX  XXXX  who  say they can't get a response from XXXX. 

Two of the three products were eventually cancelled ( I don't believe I got the full refund I was entitled although it's hard to tell because the documentation is so poor ). I have tried numerous emails and calls and can not get the third cancelled. 

In the meantime, I've had to pay interest on the loan for these products.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me XXXX XXXX XXXX XXXX that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX video and said I can call the Experian and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency Experian and informed them of the issue they placed a Fraud Alert on my credit report on XXXX. I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX I XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Vehicle loan or lease

On XXXX I submitted a letter for Ally financial and its trusty XXXX XXXX XXXX with a notice of intent to initiate arbitration, Ally financial receive the letter on XXXX XXXX. Certification number XXXX, XXXX and XXXX. I also provided Ally financial with a copy of my XXXX Filling number XXXX. On XXXX Ally financial stole my stole my XXXX XXXX XXXX. On XXXX XXXX. I contacted Ally financial and informed them that I had sent them a letter of arbitration ally financial customer service informed me that they had to locate the letter and will respond to me in a few days on XXXX I received a letter from Ally stating that they will be selling my XXXX XXXX XXXX on XXXX XXXX followed by a letter on XXXX Stating that Ally did not honor any documents, I have sent to them, and did not understand the purpose.