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

XX/XX/2021, The amount of XXXX reported late on credit report. My mortgage was sold during the process. Please correct, no lates
Product: Credit card

XXXX I ordered three bras from this company through Klana the merchandise was not what it was supposed to be the material was terrible and sewed together, reported to Klarna and the company called XXXX and never responded to refund my money and now Klarna is not helping as well I called I sent pictures proof of emails and nothing was done so I paid the XXXX off
Product: Checking or savings account

XXXX have been with Wells Fargo for 20 years in XXXX I notice a savings account was open automatically I was charged for years monthly fees for not having enough in the account that I did not open they also had a practice of not depositing my checks at midnight so they could charge over draft fees for monthly automatic payments that came out on the XXXX or XXXX. Lately I had a establishment that charged me for a false purchase we settled the issue on the phone I did not file a claim but Wells Fargo took it upon themselves to create a claim put the money back and recharge me a month later saying they sent a letter by mail never informed me about it and because of that my account was overdraft and they charged me again. Im leaving Welks Fargo its a process since bearing with them for 20 years but they XXXX have taken over thousands of dollars from me with suspicious practices
Product: Debt collection

On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX  report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ny & Company ( Comenity Bank XXXX neglected to the payment arrangements made to bring my account to current status agreed upon and made in on XX/XX/XXXX. They promised to remove XXXX & XXXX finance & late fees & reverse late payment to credit reporting. They neglected to keep the 3 auto withdrawal payment arrangements made to my account : {$100.00} on XXXX, {$55.00} on XX/XX/XXXX, {$45.00} on XX/XX/XXXX. 

In XXXX when I reviewed my credit report I saw not only did they not remove the late fees nor reverse late payments reported to the credit bureau as promised for XXXX and XXXX. Instead in XXXX they ADDED another late fee and reported now XXXX to the credit bureau when this was supposed to be resolved. I called XX/XX/XXXX and asked again for this error to be corrected and reverse it from my credit report but rep said this wasnt in his power and would credit me some of the late fee as if it was a favor. 
Ive called multiple times and spoke to over 5 reps and supervisors who after reviewing notes told me the original rep neglected to set up the payment arrangement on XX/XX/XXXX so it made acct late. She promised to make a note of everything and correct my account. 

I am in the middle of refinancing my home so this has been detrimental to my report as Ive been denied due to this horrible and neglectful and unacceptable error especially the way it has been handled. New York & Company has done absolutely nothing to try to reverse nor resolve the mistake made on my account. 

Ive asked several times and disputed the late payments on my report but it has not been removed. On XX/XX/XXXX I spoke to a rep for XXXX XXXX hours it was very kind to take his time and look deeply into the note and told me that the supervisor who I last spoke to you never did anything to help the account nor noted it and the payment arrangements made on XX/XX/XXXX were mysteriously deleted by another rep with no valid reason. They told me to write theyre credit report dept to correct THEIR MISTAKE. Unacceptable. 

In XXXX I inquired and joined their hardship program once they made this huge error and my payment due became overwhelming. They cut off the usage of my account. Had they not been neglectful and honored the agreement which would have brought me current in XXXX, I wouldnt have had to join and would have gotten approved for my refinance mortgage! Ive asked them numerous times to send me via mail and email the terms of the hardship program and they promised to do so and even this theyve neglected to do so. 

The problem is they hire overseas workers who are not properly trained nor know the American customer service protocols. 

Your help would be greatly appreciated. I need to get XXXX XXXX XXXX reversed from my credit report and also have New York & Company credit all late and Finance fees to my account as promised. 

Thank you XXXX XXXX
Product: Debt collection

This company is reporting on my credit and I am still waiting on a response from them along with requested documents for the alleged debt.
Product: Credit reporting

Since XXXX XXXX, 2015 I have been a victim of identity theft. I have subsequently over XXXX fraudulent disputed just this year alone. I also have approximately ( XXXX ) disputed still outstanding and awaiting for the response. through out this process, I have had a very difficult time with regards to conflicting information from both the Equifax Fraud department as well as their Office of Consumer Affairs. As of Wednesday, XXXX XXXX, I reached out to the Equifax Executive office to ask for help with all of the inaccurate information, due to Equifax 's ' own negligence particularly with the Office of Consumer Affairs, ( contact dealing with my case XXXX ), that I felt I needed help from someone with the autonomy that could actually right the blatant disregard exhibited by Equifax to date regarding my credit file. As of today, I have been dealing with XXXX XXXX XXXX ( Office of Executive Consumer Affairs ) to whom has now reinserted an account that was previously disputed as fraud in XXXX 2015 and subsequently deleted permanently from my file on XXXX XXXX, 2015. Since XXXX XXXX has taken over my investigation, she has made numerous acts that clearly violate the FCRA. The most recent of which has now reported on my credit file as of today, XXXX account XXXX XXXX XXXX XXXX. This is just XXXX example of her negligence. This is a violation that needs to be addressed immediately. I have attached a copy of the credit report that shows the deletion of this account ( Confirmation # : XXXX ).
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Product: Debt collection

I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.
Product: Credit card or prepaid card

@ XXXX I opened a XXXX Credit Card - I really never used the card for its intent. 
- The card was placed in a strong box and forgotten about. 
- In XXXX I applied for a car loan and I was informed that I had great credit and the only outstanding debt was @ {$18000.00} on this Credit Card, I then knew we had a problem as we have never used that credit card nor do we ever carry balances on credit cards. 
- I contacted XXXX  and spoke with the fraud department who stated that they agree it was fraud and that they would take care of this as I never made any of those purchases.. 
- It was then that I discovered that this card was tied to an fraudulent address that I have never lived and that the payments were being made since XXXX - I also contacted all 3 Credit Agencies ( XXXX, XXXX, Experian ) to file a dispute.

- To date XXXX  & XXXXXXXX  have removed this from my report as XXXX has written off the amount and closed the account. Transunion is still showing the fraudulent address. 
- To date XXXX  still shows this amount, still shows the fraudulent address and is showing the wrong date of birth. 
- I have been working to resolve this situation since XX/XX/XXXX and now need your help in resolution as all my correspondence in XXXX has not produced a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX XXXX has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX XXXX explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XX/XX/2022
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 6 tickets from XXXX XXXX XXXX XXXX on my American Express XXXX card. The flights were subsequently cancelled. Per law when goods or services are not delivered as contracted, and an acceptable alternative is not offered, the consumer is due a refund of the monies paid for said service. As that was the case in this circumstance, I contacted the airline to attempt to get a refund. After many months of fruitless attempts, I felt I had no choice but to dispute the charges with American Express. 
The merchant replied to American Express that they will be issuing a voucher for future use. As I am due a refund by law, I was not willing to accept this. If I purchase an item or service, and it is not delivered, I deserve a refund, not a future credit for a service that at the time was not being offered ( XXXX XXXX  Was not operating flights at the time ). Nevertheless American Express insisted on taking the merchants ' side. Their chat reps explicitly advised me that they have different sets of rules for large XXXX dollar corporations and small businesses. And while I would have won the dispute against a small business, American Express was allowing large corporations to change the terms of the sale post facto. 
With no further recourse, I relented and contacted the merchant for future credit. After months of back and forth with the merchant, the merchant thoroughly investigated their books, and claims they never received the disputed funds back from American Express, and therefore is unable to provide the future credit. 
On XX/XX/XXXX after exhausting all options with the merchant, I finally went ahead and reopened the dispute with American Express, however to my dismay, American Express refused to reopen the dispute, claiming that the funds were returned. However if that is in fact true, why not reopen the dispute? It is a clear case of goods or services not being delivered as contracted. I did not receive the service purchased, not the future travel credit. Shouldnt XXXX be able to recover my funds? I must therefore conclude that American Express is indeed holding the funds unlawfully, or is otherwise complicit in this fraud.
Product: Consumer Loan

I did a little research on repossession of vehicle ( automobile ) and came to the conclusion that there was NEVER a loan ... but an extension of my credit for the purchase of the automobile. Carmax took me to court and was awarded the automobiles back. General sessions court had NO jurisdiction because the amount was well over {$25000.00} dollars at that time I made the judge aware and she said she did. And identity theft. .fraud!
Product: Credit card or prepaid card

I was a " premier '' customer with HSBC which they advertise as there highest level of service and that they advertise " Choose how, when and where you want to do business with your dedicated XXXX XXXX XXXX ". 
They recently decided to cancel my credit cards and accounts - I would assume as part of their withdrawal from the XXXX as i qualify by the standards still shown on their website for accounts. My complaint in not that they canceled my cards and account - as I know they can at any time and I am completely unworried by that as I had existing relationships with other banks. My complaint is that my first notice of their action was my credit cards bouncing, then being canceled by XXXX XXXX  as begin invalid. This caused significant embarrassment with regular merchants and for my wife and I having transactions declined. It would seem HSBC wrote a letter on XX/XX/XXXX- the same day they cancelled the cards ( received some 6 days later ). When I called the premier help line once I was sure there was an issue two days later I was just told it was a " security issue '' and I would have to wait for the letter. My complaint is that HSBC, contrary to the service implications of their " premier '' advertising, did not have the good grace for a personal banker / anyone ( as promised ) to reach out and advise that they had taken this action. I am not complaining about the action itself, rather the way in which is was carried out. They behaved like we are all thieves and they chose to cancel before telling us. That is very insulting and contrary to the principles of treating customers fairly.I made a formal complaint to HSBC on XX/XX/25 and followed it up on XXXX. Their policy says they will reply to complaints in 5 working days hence making this complaint. I would also add that they were elusive and it took 42 minutes to finally get to make a formal complaint on this matter. My view being that there is was " effort '' to make the hurdle of complaining too high. I would add that the premier chat operator was not aware of the letter his own firm had written so couldn't really help anyway. I have written to the OCC and the NYDFS on their complaint failure and this sharp practice.
Product: Mortgage

to get this corrected since XX/XX/2021. I have called 18 times and provided documents and they still have not resolved the issue. They are charging additional taxes and they have the current tax bill which reflects the correct and current tax amount. They are refusing to get the tax disbursement correct. this is reflecting an escrow shortage on my account. I do not have an escrow shortgage.
Product: Debt collection

I am interested in disputing all inaccuracies on my credit report with Equifax.
Product: Credit reporting or other personal consumer reports

I was a part of a data breach! Remove any/all inquiries from ALL credit reporting agencies including XXXX, Transunion, XXXX, and XXXX.
Product: Checking or savings account

I recently opened this account with SoFI bank. I have been having my deposits there weekly since and everything was going well. Today my A/C went out in my home in the scorching Texas heat XXXX XXXX the technician the diagnostic fee using my debit card for this account and everything was fine. When I went to pay for the repair as well as make other transactions they were declining. I logged into the account to see a message saying my account was restricted. I havent used this account much so Im not understanding why its restricted z I spoke with the bank and they say its due to me violation the deposit agreement. I asked for them to tell me how I did this. And they didnt help. Theyve restricted my account and I cant get any of my money and Im stuck in a Scorching hot house. With a car thats stuck at the shop because I cant pay to get it. SoFi chose to restrict my account and snatch away my ability to pay my bills at the absolute wrong time. Im hoping someone can help me resolve this issue asap because Im in dire need!
Product: Student loan

Since submitting my TEPSLF forms in XX/XX/XXXX, I have regularly followed up with my loan servicer, Mohela. On XX/XX/XXXX, I received notification that all of my forms were reviewed and processed, and my qualifying payments would be updated. I also called and confirmed with a representative that all of my forms had been approved for the listed dates, which totaled over the 120 months required for loan forgiveness. 

However, one of the files I had uploaded contained two forms, and it was not entered correctly. A call to a representative resulted in the form being resubmitted for another review to ensure that both employers ' dates were added to my qualifying payments. 

On XX/XX/XXXX, I received a message that my approved dates had been added, but only 95 and 112 qualifying payments were added. Of the two loans listed, the one given 95 qualifying payments is eligible for 122 payments, and the loan given 112 is eligible for 139 payments. When I called to find out more, I was informed by Mohela that they would continue to enter additional dates, as many of the dates from my approved forms had not yet been added. 

I once again called on XX/XX/XXXX to find out why no additional dates had been added to my account and my resubmitted form had not yet been processed. The representative told me she would submit an expedited form that should take 3-5 business days at most to ensure that all of my approved dates would be added and the resubmitted form would be processed. As of tonight, five business days later, my resubmitted form still says it was cancelled and nothing has been updated on my account. 

I have spent well over a decade working in public service and would like to have my loans processed and forgiven so I can move forward with my life goals.
Product: Debt collection

PORTFOLIO RC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  has asked that I pay a debt for that they can't show that I owe I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, PORTFOLIO keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM
Product: Student loan

I was unable to make payments on my student loan due to financial problems. I contacted sallie mae/navient in 2016 to see what my options were. I had heard of income based repayment options and possible refinancing. Sallie mae/navient told me i would not qualify for refinancing and told me my best option was forbearance. They pushed me hard to get me to forbear my loans, which i did. I feel i was lied to about my options, and on top of that was given 5 % late fees whenever i missed a payment. I feel these are predatory actions and sallie mae/navient needs to be punished for their actions.
Product: Credit reporting or other personal consumer reports

I try to delete fraudulently information in my credit report and they don respond. Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

In XX/XX/, I fell victim to a multi-layered scam operation run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my XXXX by CoinFlip  account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to it. Please remove this information from my credit report immediately Inaccurate Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not investigated account properly and reinvestigation is always the case without a proper investigation. XXXX XXXX XXXX late payments of account # XXXX should not be on my report according to 15 U.S. Code 1666b - Timing of payments ( 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.