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

XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANKNA XXXX XXXX  XXXX XXXX XX/XX/2020 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
Product: Checking or savings account

On or about XX/XX/XXXX I went online to sign up with XXXX, reputable dating site. Upon signing up and paying an introductory amount of {$19.00}, I noticed somehow I was redirected to another site. It appeared to be associated with XXXX so I proceeded on. At some point, the amount escalated to {$49.00} per month which included " ALL '' taxes and fees. Further, I noticed my account was being deluged with guys from all over the World. Upon notifying the company, I learned that in fact this was not the dating site for XXXX but a company called Date My Age, an XXXX site. Since I had already paid I remained on the site for {$49.00} which is comparable to other sites. Sometimes in XXXX, XXXX, by accident I found that this company had been making unauthorized charges in varying amounts ranging from $ XXXX {$390.00}, sometimes numerous debits in 1 day on consecutive days. The amount may be over {$10000.00} between XXXX. On or about XX/XX/XXXX, I reported this to my XXXX, Navy Federal Credit Union. They have done nothing but deny all my claims even though XXXX has refused to cooperate or even return the bank calls. I have provided the bank with numerous documents and photos for evidence which they have blatantly ignored to this date XX/XX/XXXX. XXXX is clearly a SCAM dating site XXXX FAKE PROFILES to entice people to spend a lot of money. They have an ANTI SCAM POLICY for refunds for FAKE PROFILES but they DO NOT honor it. Further, there are thousands of other people who have been Scammed by XXXX, whereby the company makes UNAUTHORIZED charges. Banks continue to allow XXXX to steal rather than protecting their own clients. I will be uploading additional documents as I get them
Product: Mortgage

Date : XXXX Company : Lendgo website : www.lendgo.com This company fraudulently collected all my information based on false advertising of XXXX XXXX fixed interest rate for mortgage refinance in XXXX. Within mins of completing the information on their website, I got bombarded with emails and calls from mortgage brokers. I spoke to XXXX ( XXXX - XXXX ) and their best rate was XXXX XXXX that too for XXXX XXXX XXXX XXXX is supposed to be lower that Fixed rate and No way close to 3.3 % This company should be fined and shutdown immediately for fraudulently collecting consumer information and selling it others without any meaning benefit to the consumer. 

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

There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. XXXX XXXX XXXX XXXX doesn't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Product: Credit card

Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported in XXXX )
Product: Payday loan, title loan, or personal loan

I received a letter on XX/XX/207 notifying me of potential wage garnishment due to a missed payment. The notice stated I had 20 days to communicate with Americash to discuss my options and that wage garnishment is not required. However, the notice was also sent to my companies HR department the same day, XX/XX/2017 allowing me no opportunity to discuss my options before contacting my company. My HR department immediately put the wage garnishment into effect ( my payday was a few days later and it was already reduced ). I was embarrassed since the letters were received at the same time causing me to be completely blindsided. I was given no chance to discuss my options and had no control over my own finances. Not to mention the reduction in my pay caused me to miss my rent payment and lead to other issues.
Product: Credit reporting or other personal consumer reports

Hello. Im sorry, due to my XXXX I am confused. I think I already reported the fraud to you. My elderly, XXXX mother ( XXXX XXXX XXXX ) and myself ( XXXX & XXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. I talk to the banks and credit card companies everyday ( approx XXXX companies ) and most have been understanding. The problem I am having is that the suspects made payments from cards to other cards, so when the funds get taken back because fraud was reported, they send me letters about payments not going through or getting retracted, and say I owe that money. I dont know what to do. I cant afford an attorney, Mom lives with me but we live check to check. In addition, the suspects send fake invoices to the credit card company stating we owe them for work done but they were paid up front and the transactions were them paying themselves from our cards, so it looks like I paid them but am now disputing it but thats not it at all. I appreciate any help and guidance. Thank you.
Product: Credit card

What follows is a letter that I send to TD Bank back in XXXX, XXXX. I have had no response from them, and they keep adding " late '' fees to the original balance that I believe is incorrect. This is a classic example of " junk '' fees. TD Bank has reported me to credit bureaus which damaged my credit rating. I used to have a very high credit rating and now not so high. 
I received the latest statement from TD Bank on this account and the amount they want is up to {$330.00}. 
On principle, despite TD Banks credit bureau reporting or whatever else they try. I will never pay this bill because I believe it is outrageous and wrong. 




XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern : I am writing to complain strongly about unjust finance charges on my TD Cash Visa Signature Card and to request that you cancel them all. 

Account information : XXXX Account # : XXXX This is a problem that began on the statement covering the period XX/XX/XXXX XX/XX/XXXX. On that statement a Late Payment Fee of {$22.00} was charged. I called TD bank to ask why. I dont pay my bills late, and had mailed a check on XX/XX/XXXX which was more than enough time for it to reach TD Bank by the due date. You received my payment, total amount due of {$21.00} on XX/XX/XXXX. The late payment fee was charged on XX/XX/XXXX. The late payment fee charged was {$22.00} which was more than the amount due! I called and spoke to your representative on XX/XX/XXXX and was assured that the late payment fee would be removed we both figured that the US Mail was the culprit in taking so long to deliver my check. 

The next statement arrived covering the period XX/XX/XXXX XX/XX/XXXX. The only amount I should have been charged is {$21.00} a legitimate charge. But what do I find! 
Not only has the {$22.00} late fee from the previous month not been removed ; there is an additional late payment fee of {$36.00} assessed. So I call TD Bank again on XX/XX/XXXX, speak to a representative named XXXX, who assured me that the late payment fees would be removed. I asked why it hadnt been resolved from my first call, but she didnt know. 

Late payment fees not removed on statement of XX/XX/XXXX XX/XX/XXXX. Hmmm. 

Just received statement of XXXX XXXX XXXX, XXXX. The only amount I should owe for something I actually purchased is {$21.00}. But the amount due has risen to {$130.00}!!! 

This is outrageous! Ive also received two dunning letters, threats actually, which are enclosed for your reading pleasure. 
Bottom line. Please correct this mistaken and usurious accounting error. Im sure there was some mistake in assessing such charges. 

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

This is my 12th 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports XXXX
Product: Credit card

I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?
Product: Credit card

I noticed a charge on my XXXX Capital One card for {$57.00} on XX/XX/year>. I did not recognize or make any transaction to what was described as XXXX XXXX XXXX and immediately " locked '' my card using the Capital one app feature. I called the fraud line and was told by a Capital one agent it was a bike shop or auto supply shop in XXXX. I disputed the charge with the agent and was told they would " investigate '' close my card and send me a new one. After I ended the call in less that 10 minutes I received an email stating that after " thorough '' investigation my claim was denied and I " benefited '' from the fraudulent charge. I'm not sure what kind of investigation could have happened in 10 minutes but it seemed like an auto generated response with no investigation. I called the fraud line back and requested more detail as to what was researched... I asked if they could provide any information on this merchant. I was told that there was no access to anything additional and to try calling back in 48 hours. I went on to explain to the agent that another one of my Capital One cards had also been hacked around the same time... Capital One actually caught this attempted charge and notified me after they declined it. This was for {$920.00} and I confirmed it was fraud and Cap One closed that card. It's apparent that while on vacation somehow my card ( s ) were skimmed or something I don't feel as though Capital one thoroughly researched my claim.
Product: Mortgage

About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX  of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXXXXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

XXXX Collection Bureau has violated my federally protected rights under the FDCPA. I never received a dispute notice before furnishing neither alleged debt to my consumer report. You are now on Notice to cease and desist all communications from me from all mediums including my consumer report for both alleged debt your office has. XXXX is also using my consumer report with Extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. Any damages suffered from XXXX including but not limited to denial of credit, mental anguish, and emotional distress, will be billed to XXXX in an invoice via mail.
Product: Credit card or prepaid card

I made a payment yesterday for the amount of {$150.00} to my XXXXContinentalFinance Mastercard credit card. This amount has already cleared my checking account but Surge isnt releasing the available credit line that should be available to me. This has never been a problem in the past when I have made a payment the same exact way. When I called them they stated they had recently change their policy. It now takes two business days for the new credit line amount to be available. That is unacceptable to me if they already have been paid by me. They also said that I could make a payment by using a debit card but that option isnt available on their website only by calling in to talk to a customer service rep and paying a fee to process a payment with them. This is totally unfair to me as their customer. I have been an excellent paying customer since I open this credit card. Please call them to get this issue resolves See attached document that show Continental Finance who is XXXX has been paid {$150.00}. This isnt a pending charge. The amount of {$150.00} has been taken from my checking account.
Product: Credit reporting or other personal consumer reports

PLEASE REFER TO ATTACHED DOCUMENTS FOR FULL COMPLAINT DETAILS Experian neglected my Pre-Arbitration Demand letter, signed and confirmed received. They allowed XXXX XXXX XXXX XXXX to report on my credit report from XX/XX/XXXX to XX/XX/XXXX without verifying their claims legitimacy. It took legal action to reveal their fraudulent claims of me owning them an alleged debt. 

My question : Why did Experian allow XXXX XXXX XXXX XXXX to report on my credit report without being provided with lawful proof of ownership for said alleged debt they reported from XX/XX/XXXX until XX/XX/XXXX? 

This raises concerns about Experian 's compliance with the law and their negligence. I filed a complaint with my attorney general due to Experian 's dismissive responses in the past. 

PLEASE REFER TO ATTACHMENTS FOR MORE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate