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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time pulling my credit report and I still noticed 2 fraudulent accounts on my report that i have absolutely no knowledge of. I have never done business with XXXX or XXXX. Again, I contacted XXXX, XXXX and Equifax they requested an FTC report. I have never done business with these company. I am a victim of identity theft. I have attached a copy of my social and drivers license.
Product: Money transfer, virtual currency, or money service

I had opened a paypal account in XXXX of XXXX the email associated with the account is XXXX my name is XXXX XXXX birthday : XX/XX/XXXX Last 4 of social : XXXX Phone number : XXXX or XXXX A few days after I opened it I had set up my unemployment claim to direct deposit my benefits to my PayPal account so I got a {$250.00} deposit on XX/XX/XXXX Paypal then decided to freeze my account due to problems with past accounts linked to me they permanently closed my account and told me they would email me when they have decided to release my funds but that they could legally hold my money for 6 months I submitted a previous complaint to the bureau about this and paypal responded and said my funds would be held for the full 6 months and that they would be available on XX/XX/XXXX they were supposed to email me but I havent received an email about it I sent an email today to their executive escalation department but havent heard anything I sent them a picture of their response to my previous complaint and I also sent them banking info where I would like my funds transferred too I am attaching their response from my previous complaint
Product: Student loan

I filed for XXXX discharge as well as borrower defense with dept of Education. On my credit report they have my student loan derogatory for {$11000.00} {$6800.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Equifax continue to report incorrect information on the account listed as XXXX there is a late payment reporting for XXXX but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence XXXX used to determine the late payment. 
( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I started services with XXXX and I was charged for a kit, and there was a set date where my monthly order would run. I contacted XXXX after finding out it was a pyramid scam and this was after they ran the monthly payment too soon when it was not authorized. I was provided 2 return labels by them and was provided a refund processing time frame which has now been exceeded by weeks after the returns were received. I filed a dispute with USAA in which I feel they are continuously not properly investigated or handled. I received a response after USAA asked me to provide additional proof I supplied documentation that shows the date that the monthly payment was authorized for was not followed also all tracking return info ordering info and the confirmations that show all orders have been received by the vendor with their return labels as of XXXX they have had the item still no refund. USAA sent me a notice on XX/XX/22 stating the transaction was authorized therefore they are once again reversing the provisional credit, and once again siding with the merchant who has the money also merchandise. This vendor attempted to debit my account twice after this was canceled USAA provided no support. They do not actually investigate anything so this means I am out of another {$250.00} this continues to be a trend for USAA in my personal experience there has not been one instance where they used any of my supporting documentation to make a just decision. I would like an explanation of how this continues to be the case, and how we can support merchants keeping merchandise also customers ' money which means I apparently am able to donate because there is nothing I have received out of this transaction also every month my account has been tried for a shipment of the returned items. I am so disappointed as a member.
Product: Vehicle loan or lease

I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.
Product: Credit card or prepaid card

We were taken advantage of ( me and XXXX XXXX ) by an employee at XXXX XXXX XXXX XXXX She sold us insurance products that we didnt know we are buying. Sneaky way. 
She used XXXX that we dont understand and took our money without even knowing. 

We rented a car on XXXX and the car was with XXXXXXXX XXXX XXXX XXXX. It was promoted at {$27.00} a day and We paid for the collision coverage ( insurance ) so the total with everything was about {$100.00}. Then we took our flight from XXXX to XXXX ( XXXX ) and went to the counter. She didnt get the reservation number and started asking which car we want so we told here whatever is on the reservation. She started asking about insurance coverage and we told here we already bought it and paid for - XXXX room about {$78.00} from my XXXX card and told us we will pay about {$27.00} at the rental car desk. So when the employee took our card we thought thats what she will charge - she started explaining the coverage of insurance and we thought she is explaining what we already bought - she then asked me to sign in the credit card machine so I signed ( didnt see any policy or options on their just a blank signature space like we usually do on credit card processing machines ) Then they charged my card about {$150.00} in addition to the {$78.00} they charged my XXXX XXXX - {$230.00} for a XXXX XXXX rental for a basic car- I did agree to buy gas at {$2.00} per gallon and I did mention we will use less than a gallon since we will XXXX XXXX from airport to hotel and back ( XXXX XXXX XXXX ) the employee confirmed it will be only {$2.00}. 

I need my money back- I paid XXXX {$78.00} and was told will only pay {$28.00} additional or so I need my {$120.00} back - I need justice Our had been taken and our credit card dispute department said if you paid in person we wont be able to dispute against the company. 

Rental Agreement - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with Wells Fargo between XXXX and saw that there was a settlement. I was not contacted by Wells Fargo about this but my information has changed. I no longer have an account with them as the house was paid off in XXXX. I wanted to see if I was eligible for this settlement and suppose to be part of the settlement. My name on the loan was either XXXX XXXX XXXX XXXX XXXX  as I was married when I originated the loan but then divorced while I had the loan.
Product: Debt collection

I'm writing about a troubling issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I also have significant doubts about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide the necessary validation and address this matter appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on this account was due to fraud. I tired to reach out to company to fix this. But thwy sold my account to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 Chase Mortgage services incorrectly reported a pay-off due to refinancing with another lender as 30 days late. Chase Mortgage Loan XXXX final payment from my new lender arrived at the Chase Mortgage office on XX/XX/XXXX but another Chase financial office did not record the full-loan pay-off until XX/XX/XXXX. I had closed on the new loan several weeks prior and no longer had control over the final payment from my new lender XXXX XXXX. I did call Chase to ask if I should pay the XX/XX/2015 mortgage bill to avoid a late fee but was told by them to NOT do so as the extra paperwork to refund the amount from the pay-off was difficult for them. 

After 5 plus years of taking this automatic 50 point hit on my credit rating ( does not clear until 7 years ). I called Chase to inquire about a courtesy amendment to the late payment report. After quite a lot of transfers and insistence my case XXXX was assigned to what Chase said was an " Executive Corporate Office. '' I later understood this office was not an honest resolution office, it is merely a front to comply with FCRA requirements. 

I explained my case and how I was a excellent on time payer as evidenced by my credit report and other Chase accounts I have with them. They did their normal let me wait while they " investigate '' days and eventually denied my request and stated they did not do Courtesy Credit Amendments even for excellent customers and the the Fair Credit Reporting Act 15 U.S.C. 1681 did not allow them to do so ( this is a lie ). Chase would not and could not tell me when the mortgage pay-off arrived in their office, only that they processed it on XX/XX/XXXX one day late of the 30-day window, but two according to their use of XX/XX/XXXX as an artificial deadline even though the statement uses the 1st as the due date ( subtractive rounding down of their math ). 

Chase even states on their response to me ( all attached ) that they used the XXXX of the month as their late reporting date ( which is only 28 business days ). I suppose this helps their statistics in hurting peoples credit. Again, the payment should have been at Chase on XX/XX/XXXX, they apparently ignore postmarks and incoming mail. 

Chase is a credit predator, they know that they did not process the loan pay-off in a timely manner and understood the complexity and timing of pay-off due to refinancing can cause delays, yet their system is set-up to hurt individuals. I also had another issue with Chase where they made two credit inquires against me in 3 days for the same card application. These reports stayed on my account for 2 years. This financial institution is a predator and I would be happy to testify about my experience with them if requested. 

As a good customer and a excellent payer of my long 40 year history of business I find Chase 's business approach harmful and unnecessary. The seem to take every opportunity to submit damaging information in order to justify high interest charges towards their customers.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, I had XXXX different transactions that equals up too XXXX dollars locked in my google pay account and I am a XXXX tXXXX and when someone sends me payment and I release there XXXX to them and those XXXX transactions were from me XXXX  I released peoples XXXX and then received the payment but there not letting me transfer my money out my account and they have locked my account or made it too where I cant verify my account that way I cant receive my money. Meaning my money is locked in my google pay account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I have been ordering from this company 's catalog for years with no problems. I decided to get their credit card in 2020 and used it to order. My bills are paid every month on schedule ... .sometimes thru bank transfers but I use the US Mail with this company.

Their statement reflected a {$40.00} late fee one month. I felt this was unfair as I had mailed my payment on the usual date but they claimed it had arrived late. 
I decided to tell their company 's CEO how I felt about this and I sent the late payment with a letter and my cut-up credit card to the name and address given as their headquarters.. 
Another bill arrived with a {$90.00} late charge... calls on my phone came every day... sometimes more than once a day began. I explained to the caller that I had paid the original charge and where I had mailed it. This did not stop the calls. I received a letter from XXXX XXXX of their company stating that I still owed the late charge ... and my original letter and payment to their CEO was returned by the US Mail..unopened with address unknown and no forward ... .I gave up and sent XXXX a letter and check for {$97.00}. 
I just got another bill from them for {$130.00}!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received email notification on XX/XX/2019 that Citi closed my Citi preferred credit card. I called customer service and I was told that it's because it has been over 24 months without any activity on my account. When I told that there's a transaction of {$95.00} on XX/XX/2019 for the annual fee, they said that they do not count that transaction as an activity so they closed the account. How is that fair to the customer when I clearly see this as an activity and Citi chose to close my account without letting me know ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was added as a authorized user on the account and they are reporting to XXXX specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXXXXXX  until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

CapitalONe will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me two different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Product: Credit reporting or other personal consumer reports

Experian is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed. Experian and its Trustee are liable under the SEC to follow specific rules. Experian commission file number ( XXXX ). Trustee/Depositor is - XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ) are all liable. Furnishing student loans on consumer reports is a violation of Privacy Act 1974 and Family Educational Rights and Privacy Act 1974 I have not consented to the publishing of this private information. Also, Furnishing Payment History on Consumer Reports violates 15 U.S. Code 1681a ( 2 ) ( A ) i.

I am requesting that Experian provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS 211 ( treasury omb forms ) to audit the consumer 's account. Experian is securitizing consumers ' data yet refusing to provide consumers a copy of their consumer file, not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Experian is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit Experian with respect the my principal account and income Experian is making from the sales of the principal account consumer file. Remove all inquiries Remove all student loan files. Remove utilization I want compensation as provided in law for every violation.