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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I see that an inquiry is on my credit report for an XXXX loan/bank/credit card on XX/XX/year> and XX/XX/year> I have not applied for any loans/credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Debt collection

Account fell behind due a financial hardship situation but I made a agreement with them to setup a payment plan to bring the account current and the payment has already cleared the bank but yet they still call me 10+ times a day 45 mins apart sometimes 2 mins apart from the first call for the past two days now I called them last night and told them to take me off the list that we have an agreement and they told me I was off the list but yet again the calls started again XXXX and have n't stopped I 've been called almost 10 times before noon
Product: Credit card or prepaid card

I closed the account, it was a secured credit card and they sent me a closed letter account but they keep calling and harassing me. They dont leave their name or why they are calling. And when I ask who is calling they hang up on me. 

Capital one. Tuesday, XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm and XX/XX/XXXX at XXXX pm. When it says on the account and my credit score the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.
Product: Credit reporting or other personal consumer reports

My account with these company 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. 

I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. 

They have also started calling and harrassing my wife today. 

Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Mortgage

Once again SPS is making it difficult for me to apply for help through them. 

They wont accept my paperwork even though its correct. I have submitted the documents dozens of time through email and website and keep getting the run around. 

I was awarded help through the state of Wisconsin and they raised my payment for almost {$300.00} more for no reason. The mortgage on this property have never been over {$700.00} since XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan for {$30000.00} and SoFi sent funds to my bank but the bank sent funds back because they said there was a misspelled name so they couldnt accept. I notified SoFi immediately and provided a different account for them to send the funds to and they said this wouldnt be a problem and when I tried to access my account today it was locked and I called customer service who couldnt tell me anything so now I am stuck with potentially an outstanding loan that I dont have access too.
Product: Debt collection

Capital one gave false statements, fraudulent representation of facts of informed use of credit, false and misleading Information, willingly and knowingly which is a crime and you are held criminally liable and is punishable under 15 USC 1611. They stated they provided me their credit in the amount of {$2500.00} and charged it off and trying to collect on an alleged debt they already received income for. A national bank can not lend its own credit XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I extended my credit as a consumer. Either, Capital one is committing Bank fraud and Tax fraud by lending me their credit or they are violating TILA, FCRA, & FDCPA for false and misleading representation and by furnishing a charge off without my permission which is income to my consumer report. Also, they have not provided me a 1099-c for the charge off as it is considered income via IRS.
Product: Mortgage

US Bank setup our escrow account in a way that created a hardship for us. We had an agreed upon payment that we felt comfortable with. Unknown to us the loan officer did not fund our escrow account. Our first payment was due in XXXX, the taxes were due XX/XX/XXXX. The account was funded with {$230.00}, the taxes were {$1700.00}. This made our monthly payment go up over {$120.00} a month. We've tried to get answers from US Bank and they say " well its your taxes you have to pay them ''. That is fine and I'm not rebutting that. We feel like we should be refunded whatever fee we paid to the loan officer as the services were not rendered. The bigger question is whether or not this is a common practice of US Bank to put borrowers under immediate hardship as a method of causing foreclosure on loans.
Product: Credit card or prepaid card

In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.
Product: Credit card

Synchrony bank the issuer of my sams club MasterCard will not apply a payment towards the balance, if made on the XXXX, or the XXXX. A payment made on these dates will reduce the balance, but will not be applied paying off the previous months balance to not incrue interest charges. A payment made between XXXX of the month does not apply to the next month either. It is received but will not to any balance for interest consideration. They will charge interest on the previous months balance if that balance was not paid off between the XXXX to the XXXX. They 're terms and conditions do not explain this. I find it predatory and deceptive. I will attach their policy.
Product: Credit card or prepaid card

I made a payment to American Express of a sum of {$1100.00} on XX/XX/XXXX. 
Prior to that the sum of {$900.00} had been paid on XX/XX/XXXX, and was collected without any sound made. Whatever now happened with the {$1.00}, XXXX beats me hollow. 

Amex claims that they could not verify the account. That they can not verify the payment was legitimate and that I had the money in my account. This is an amount that had left my checking account ending - # XXXX, since XXXX XXXX, XXXX And this is the same checking account that I have been using for payments since XXXX. This has been scores of payments and then suddenly now, in XXXX and XXXX season, it is no longer possible for Amex to verify the payment? Seriously? 

What I noticed is that each time I had made attempt to resolve this problem, Amex kept attempting to access my other bank account password and personal details. This has been going on for over a month now, where Amex has been trying to access my checking account by all means beyond what concerns them. 

It appears that there is a potential threat to people 's personal details for cyber attacks this season by these irresponsible practices and disregard for security of the customer 's account by banks like this, so this matter needs to be noted for the safety of users. 

The problem is that these two banks - XXXX and American Express Bank has sat on my money ( {$1100.00} ) for more than seven days and have been lying to me about who has the money and who doesn't and each time Amex will attempt to collect the password to the XXXX account by all means possible ; stating that if I do not let them, they would not deposit the money. and my account will go into lack of funds. 

There is full evidence that the money was and is available to them and there is no logical reason to assume that the funds that has been sent to them for seven days is not real. the money has been sent to Amex without any restriction since XX/XX/XXXX. 
This act of suggesting and attempting to intimidate me into collecting information that does not apply to their account should be investigated. It is scary. 

Thus, I am worried that I am being intimidated by Amex Bank in a way that bothers between blatant discrimination and misconduct. 
I wish to report this here today so that it can be documented that this kind of thing happens and it is detrimental to the wellbeing of customers who are being intimidated and mistreated in this way. 

This should not be happening.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Specialized sent terms for home preservation. 

1. Send approximately {$36000.00}. - Sent via wire transfer on XX/XX/23. Notified account manager. 
2. Send a wet signature. - Sent via XXXX on XX/XX/23 XXXX. Monthly payment of XXXX - Sent via XXXX XXXX XXXX on XX/XX/23 and was returned on XX/XX/23. The day before the payment was due.
Product: Mortgage

Requested short sale permissions from my servicer to sell my home. Received correspondence I was eligible for relocation assistance and short sale was approved. The title agent prepared Hud settlement statement reflecting {$10000.00} relocation fee, submitted to mortgage servicer. Mortgage servicer requested the relocation amount be lowered to 3 % per the investor request, resubmitted HUD settlement statement reflecting {$7600.00} per mortgage servicer request. I call today and I'm informed relocation expense was denied. I have been mislead by my mortgage servicer and the investor. II have spoken with several individuals in the short sale dept. and I given different. information each time. I feel my mortgage servicer is not providing me with truthful information. I also feel they have not contacted my investor for the relocation funds even I received correspondence stating they would give me relocation expenses
Product: Credit reporting or other personal consumer reports

This is regarding CFPB complaint XXXX. Jefferson Capital stated that they have terminated collection efforts on the XXXX XXXX debt and have requested the credit bureaus delete the tradeline. Unfortunately, I am still seeing this reported. I do understand that the company responded on XX/XX/17, however my dispute was sent on XXXX. I am still requesting that this is removed within 30 days from when my dispute was sent. I am expecting to see this tradeline removed on my next credit report refresh on XXXX. I have attached a copy of the initial CFPB complaint for your reference. If this tradeline is not removed within 30 days of my initial dispute, the True bill which was attached to the last CFPB complaint will be expected to be paid and remitted to the address on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX vacuum was put in my name and my signature was forged on contract, I have talk to company about fixing my credit report and they gave me excuses and requested I pay off the vacuum, instead of doing there job I obtain all documents they requested to remove it and they have failed to do so. They also have threatened to continue to ruin my credit history of I don't pay for it so I'm kinda of stuck paying for it at the moment.
Product: Credit reporting or other personal consumer reports

I wanted to dispute an inquiry that I have no knowledge of from XXXX XXXX that occurred XX/XX/year>
Product: Credit card or prepaid card

Someone tried to open a credit card in my name with Barclays Bank. I called Barclays and let them know it was not me. They said they would close the account and recommended I also file a case with the FTC.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was just looking over my credit report and found some addresses that appear to be incorrect. My name is also spelled incorrectly. I've enclosed documentation providing proof of my current address and the correct spelling of my name as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that i am currently seeing listed. ( Which i would like removed please ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the correct spelling of my name is XXXX XXXX XXXX XXXX XXXX XXXX Can you please remove all locks on my account. This is the correct address that i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX I was not aware that an authorized user lost their card and unauthorized charges were made. I disputed the charges and they were removed temporarily. I was not informed that the charges were placed back on the account and only noticed after XXXX late payments had already been issued on XX/XX/year> and XX/XX/year>. Once I noticed the late payments, I called the company and informed them I was not aware a payment was due and that I would still make the payments for the unauthorized charges even though they werent mine. Seeing that I never made a late payment ever and my account was in good standing, the late payments were reversed. However the late payments still show on my credit report. 

Also a credit report usually only shows the last XXXX  months of payment history, and It has now been more than XXXX  months since the late payments. Please remove.
Product: Mortgage

I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX
Product: Consumer Loan

I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.