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

XXXX XXXX XXXX, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to Experian and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.
Product: Mortgage

Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at Wells Fargo.
Product: Debt collection

The collection agency under national credit management put a collection on my credit account 3 years later that I did not know about because it should have been a debt under my student loans. This collection is really hurting my score that I worked hard on for years. I called them and they told me it didnt report because of covid was in place but other things reported on my report and I was fixing my report at the time so I kept an eye on it everyday. It should have been reported in 2019 which was way before Covid so that is not an excuse. This debt is {$3500.00}. If I would have known it was going to report on my report more recently I would have stopped it and made arrangements with the collection agency.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, my XXXX year old grandmother received a CashApp credit card in the mail which was fraud. She does not have a mobile phone or computer and she did not open this account. My mom, who is a senior and her Power of Attorney filed a police report and attempted to call and cancel this account. 

CashApp does not have a customer service number to call and report fraud accounts. Since you can only contact them via email, I filed a complaint under my CashApp acccount with detailed information which included my grandmothers fraud CashApp name and explained that the account was fraud and needed to be closed ASAP. I went through multiple emails and received a response that the account was closed. To complete the Identitytheft.gov process and attempt to figure out who opened this account, my mom who is her POA requested detailed information about the fraud account. CashApp sent a secure URL requesting information to verify they are responding to the correct person. I sent the information on XX/XX/XXXX and they stopped responded to all of my emails. I sent multiple emails daily to check on the status and and did not receive a response. 

Due to this poor customer service that I received, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Two days later, I received two separate email responses from CashApp. They stated I needed to follow the detailed instructions and upload the information to receive the requested information. I sent the photos on XX/XX/XXXX and on XX/XX/XXXX I received a confirmation email stating they received the documents. I am now back in the same situation with CashApp receiving images of all three of our personal information and not responding to my emails with an estimated date when they should expect to receive the information. I checked the fraud CashApp name and the account is still active on CashApp.
Product: Credit card or prepaid card

I used my Capitol One credit card to purchase a ticket for US {$380.00} on XXXX XXXX from XXXX XXXX, XXXX XXXX to XXXX XXXX, California on XX/XX/2020. Even though I was assured by XXXX personnel at XXXX XXXX XXXX that I could change my ticket without any penalty or additional charge because of COVID-19, the XXXX call centeXXXX in XXXX XXXX forced me to pay an additional US {$53.00} when I actually changed the reservation to XX/XX/2020. I arrived at XXXX XXXX XXXX on XX/XX/XXXX only to learn that XXXX had grounded all its flights and there was no one from XXXX at the airport to make alternative arrangements and XXXX 's call center number was constantly busy. I had to buy another ticket and return to the United States on XXXX on XX/XX/2020. I disputed both XXXX charges with Capital One because no service was provided. Capital One gave me a temporary credit and asked for certain documents related to the transaction. I sent the requested documentation but then got a form letter from Capital One telling me that what I had sent was " insufficient '' with no details provided. Hence the charges reappeared on my account.
Product: Debt collection

It dates back to 2018, my XXXX insurance was active with XXXX XXXX. I got a XXXX injury, and I was taken to a nearby hospital using XXXX XXXX XXXX. 
I never checked my credit History until recently, when I noticed a collection by XXXX XXXX XXXX XXXX XXXX worth {$5000.00} by the Original Creditor- XXXX XXXX XXXX. 
I contacted the Collection agency and they lied to me that my insurance refused to cover Ambulance expenses and threatened me to pay all amount and when I told them that I would like to talk with XXXX first, collection agency personnel insisted that it is not going to be helpful and I should pay them right now to get rid of collection. They were trying to just rip me off. 

Next day, I communicated with XXXX XXXX and asked them about my coverage for 2018 Ambulance charges and I came to know that, they never received a bill from XXXX XXXX. I asked XXXX XXXX but they told me that claim was sent. So, I put a three-way call between the XXXX claim XXXX department and XXXX XXXX and XXXX parties agreed that there was negligence and XXXX XXXX never sent them a claim, recently that claim was sent and my insurance covered all the amount leaving behind just {$100.00} copay. 

This collection agency, XXXX XXXX XXXX XXXX harassed me on phone call, when I told them about all negligence by Ambulance and XXXX and settlement with them, they were not ready to listen and argued with me and threatened me to pay the {$5000.00} which I do not owe ( as I have already settled issue with original creditor ) and It was never my fault, that they didn't send a claim to my insurance. 
This collection agency is deteriorating my Credit since XXXX years and I do not owe them anything as it was not my fault at all. 
You can call XXXX XXXX to know more about this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting. They are in violation of the FCRA.
Product: Credit reporting

I previously had XXXX accounts that were charged off and I received a XXXX for these accounts. I disputed the account with XXXX and Equifax , XXXX updated my credit report as paid collection, however, Equifax only deleted the historical data on these accounts. I have disputed this information twice now. After the first dispute, I called Equifax and spoke to a representative who advised me that I initially used the wrong dispute information ( the selections on their dispute page ) and that XXXX verified the account belonged to me. He told me to change the dispute information, took my dispute over the phone and after that the result still came back as they deleted historical data but the balance still remains. I am trying to get this cleared up. I explained to them that the account was paid through the XXXX with the XXXX but they continue to report the account balances of what was owed. I have included copies of XXXX disputes.
Product: Debt collection

reporting a {$98.00} medical claim in collections and reporting it to my credit reporting agencies this debt is not valid and incorrectly reported on my credit file and needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and TransUnion ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and TransUnion is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. XXXX is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/year> XXXX-XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XX/XX/year> These companies have fraudulently pulled my credit without my authorization. I do not recognize any of these inquiries. I have spent a lot of time trying to reach out to these companies and they do not respond to me with proof that I opened these inquiries. I believe these are fraudulent and I am a victim of identity fraud. I am demanding these inquiries be immediately removed or I will take legal action. I am also filing an FTC report. Please help me get these removed, thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ WELLS FARGO CARD SERV ; Account Number : # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX #XXXX****
XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.
Product: Debt collection

The debt was cleared by the government due to school losing accreditation from false loan amounts and illegal charges on class and books.
Product: Mortgage

Neither my old mortgage company nor my new mortgage company gave a 15-day notice of changing servicers as is required by federal law. 

I received a notice in the mail of the sale of my mortgage. I immediately, same day, got on line and discovered that the transfer had all ready been completed. Essentially no notice was given. 

I assure you that i received no email of the impending transfer and I did not receive a text message. My old mortgage servicer has all that information and could have notified me. 

If I had gotten the 15-day notice I would have immediately paid off my mortgage which is probably the exact reason NO mortgage company likes to give advance notice. 

This is NOT the first time this has happened to me. A couple of years ago the same thing happened -- different mortgage company -- and my monthly payment to the old mortgager was no where to be found for weeks. Finally it showed up.
Product: Payday loan, title loan, or personal loan

Wells Fargo Financial would not let my Brother make payments for me or let me give him my power of attorney when I was in the hospital and in rehab centers. He talked to XXXX XXXX at the Wells Fargo Executive office XXXX and to XXXX XXXX XXXX And they refused to help him in any way shape or form. and all of the calls were recorded from what my brother told me. Also because of it I did have late fees because they would not let my brother make payments for me. And the dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My monthly payment is {$150.00}. And they were charging me {$250.00} to {$300.00} for late fees. And they refused to reimburse me for them. I would now like for my loan to be closed out and paid off without me having to make more payments on it. From my records I show that I still owe around {$3000.00} dollars.
Product: Debt collection

My credit score dropped significantly and when I asked, they said there was a debt collection agency that reported I did not pay my debt. I did not know about this bill for {$28.00}, and NEVER received any mail, email, and/or phone call from Suburban Credit Corporation. When I called them, they said they are not sure why it was not sent. I immediately paid the bill, and they promised to send me the receipt. I did not receive the receipt for 9 days. When I called, they said their systems are not working and receipts are not usually sent these days. I did not receive any receipt for my payment as well. So overall, I was never notified about the debt, their systems are not working and my credit is massively impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.
Product: Debt collection

This account was a Judgment filed against me 10 years ago. I received a notice of a Levy from our bank account. We are retired and sick and they took the money from us. The money on that bank account was from our retirement check. The judgment was under my name not my wife 's. I have tried calling on several occasions the attorney XXXX XXXX XXXX STATE BAR # XXXX who was handling the case they never called me back or picked up the phone. I called again National Judgment recovery and they told me that they change lawyers they gave me another name XXXX XXXX STATE BAR # XXXX and to this date he has not responded. I really need help to resolve this matter. No one seems to care about our situation and this lawyer is taking advantage of this case that it is already expired. CAUSE # XXXX, XXXX I just received a letter from this attorney XXXX XXXX XXXX XXXX, 2017 saying they wont respond with a validation.
Product: Checking or savings account

JP Morgan Chase Bank, N.A. advertised an offer on the internet to get {$150.00}, I believe, if I opened a savings account and kept the money in it for 90 days. I applied for the account XX/XX/21, I believe, with special offer included and twice did not receive confirmation of the inclusion of the special offer. I declined to follow up the laborious application process with a call to the company when i did, however, receive confirmation, XX/XX/21, I believe, of the opportunity to open the account if my application cleared ; I h0ped they would also honor the offer they had made. I question their honesty. It seems too convenient that my application would clear but the special offer would have some sort of unintended software problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX Capital One is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.
Product: Mortgage

Wells Fargo bought my mortgage eight years ago. I have never missed a payment or had a late payment. I have had numerous problems with them. Last year I ended with an escrow overage, but less than the two months they told me I had to have at the end of the year. They increased my escrow payments by {$25.00} a month so that at the end of the year I would have two months overage. Then a month later they told me they were increasing my escrow payments another {$34.00} each month because they ESTIMATED my taxes and insurance will increase. They won't tell me how they estimated the increase or how much each one would go up. They told me there was nothing I could do about it. I am XXXX, XXXX, and raising my XXXX year old daughter. This increase in my payments is a lot to me. I told them they collect a lot of money from Americans each year to make loans with and receive interest on. At the same time they don't pay us any interest on the extra money they collect from us each year. Can they do this?
Product: Mortgage

In XXXX I bought a home and took a first and second mortgage with XXXX XXXX. In about XXXX XXXX XXXX sold the loans to XXXX  XXXX XXXX. Then XXXX  XXXX XXXX told me they sold the second loan again. I never received any paperwork. I continued to pay the first loan, but I could not find where the second loan had gone. I did not have any communication until XXXX when I received a letter from API stating that I owed a large sum. I called and asked where my loan had been, asked for a welcome letter, asked for the history from the past 14 years. I requested this verbally XX/XX/XXXX and followed up with 2 emails on XX/XX/XXXX and XX/XX/XXXX. I was verbally advised to communicate with XXXX XXXX at XXXX. To date, I have not received any paperwork verifying that they have the loan. I have no paperwork to show they are the correct entity to collect on the loan. I do not know where my loan was for 14 years. I would like documentation regarding AHP ending up servicing this loan. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, AND 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 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, XXXX XXXX, XXXX, AND 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: Mortgage

I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.
Product: Credit card

I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.