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

LOANS FORGIVEN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The above loans have been forgiven, XXXXccording to a notification that I received via email from the US Department of Education.

Unfortunately, the forgiven loans are not appearing as PAID IN FULL on my three ( 3 ) credit bureau reports. 

I believe that the loans, although paid by an outside source, should be reflected on my credit report. 

Thank you in advance, XXXX XXXX
Product: Debt collection

I have a credit card with   XXXX   XXXX  -I was in the process of starting to dispute some of the charges. But  XXXX   XXXX  was not was not responding to me. Now I found out that I have been sent to  Kramer  and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I  have not received any mail or phone calls from them. They have filed sue on me  X/XX/2017    and I have not gotten anything from them. Today,  X/XX/2017    I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.
Product: Other financial service

At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?
Product: Mortgage

Account # XXXX - Posting Discrepancies - Ref ticket # XXXX XXXX 1. This case has been open with Specialized Loan Services LLC since XXXX/XXXX/XXXX to investigate {$540.00} posting discrepancy to Account # XXXX ( Ref ticket # XXXX ). 
2. I called in their customer service on XXXX XXXX, XXXX to get an update on the progress and I was told that there was n't any noted update on the account which indicated any progress made rather your representative even accused me of submitted bogus data and tasked me to submit bank statement to prove payments. 
3. I have this property under a sales agreement with a scheduled settlement on XXXX/XXXX/XXXX demanding expedited resolution to avoid an inflated payoff amount. 
4. I have compared my bank shown sent payments with your SLS account details and I believe I have found the problem ( shown in below tables ) which began with a {$540.00} UFU Unapplied funds unidentified payment of payment posting on XXXX/XXXX/XXXX. 
5. My account has been in awful shape since then and never recovered back. 
6. I want SLS to correct their posting problem ( s ). 
7. If their resolution is later then my sales settlement XXXX/XXXX/XXXX where I may pay inflated payoff amount I would like a refund check from SLS amounting my missed payment plus any penalties consequently occurred due the posting error.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau did not correctly validate the debt and I requested a copy of an agreement showing I legally signed and bonded to this debt and they have not sent it over. It is against the law to furnish incorrect information from a debt collector ProCollect that I have nothing to do with. This is not my debt. It has been more than 30 days and they have not sent over any physical documentation that I signed an agreement with that debt collector. By law they are required to have a copy of it on file before furnishing it on my credit report.
Product: Payday loan, title loan, or personal loan

XXXX  AND WESTERNUNION FAILED TO FIRNISH ( MTCN ) NUMBERS FOR 3 FRAUD INDUCED SPEED PAY SREE ATTACHED
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 those account 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 XXXX days before the payment due date.

XXXX  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 XXXX  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: Checking or savings account

On XXXX first while celebrating new years on XXXX XXXX I lost my cellphone which it had an attach wallet containing my credit card my debit card my XXXX XXXX card and my drivers license later on the day when I gained access to my account using my tablet I notice some unauthorized transactions which I dispute with the bank but were denied.
Product: Debt collection

I am currently being XXXX  by a woman named XXXX  from Tek Collect her number is XXXX. She said my wife XXXX XXXX owes her old XXXX  Dr XXXX XXXX XXXX of XXXX  Rhode Island {$660.00} plus fees. I explained we do not owe that. This XXXX  has already stolen {$24000.00} cash from us. Let me explain My wife needed a XXXX  XXXX  we had a great XXXX  pull the remainder of her XXXX XXXX and put XXXX  in. All Dr XXXX  did is have a XXXX  made and screwed that XXXX  to the XXXX. He told us he only does the best XXXX made of solid porcelain it is hard so it will last 30 years. It is however expensive because it takes a long time to make and is hard to cut and drill. So as he requested I paid him {$25000.00} out of pocket upfront only to later find out he put in a cheap acrylic XXXX  that only lasts 7 years which all other XXXX  charge {$2000.00} for. Then to make matters even worse the XXXX  was defective costing me an additional {$1600.00} to replace that broken screw that the defective XXXX  kept breaking on the XXXX. The technician explained it like this. The back of the XXXX  was not touching the XXXX  so my wife would bite down and the XXXX would go down acting like a lever breaking that same screw each year. Right now he has taken {$26000.00} from me for this {$2000.00} XXXX, for a full XXXX. To fix the XXXX  he had the technician cut off the XXXX XXXX. So now I tell XXXX  I paid for a full XXXX  and he only gave us a partial XXXX  he owes me money. She said well I will tell him you dispute this charge but he says you owe it, if he says you owe it, then you owe it. since you said you will not pay it we will ruin your credit. It will remain ruined, the only way to get your credit back is to pay us directly in full. We will be mailing you a letter explaining your credit problem and how there is only way for you to fix it.XXXXXX/XX/XXXX he put the XXXX  in. XX/XX/XXXX he replaced a broken screw cost {$260.00}. In XXXX I paid {$660.00} for a broken screw. In XXXX another {$660.00} for same broken screw. XX/XX/XXXX he replaced the screw and cut the XXXX XXXX  off he sent me a bill for {$660.00} that is what I told XXXX I do not owe because that expense was incurred because of a defective XXXX. 

Attached please see XXXX of defective XXXX  before and after he cut the XXXX XXXX. Also attached most of the payments I made to this XXXX  including the disputed bill from XX/XX/XXXX showing he replaced a screw again. 

XXXX  license number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Rhode Island XXXX XXXX XXXX is XXXX years old
Product: Checking or savings account

I am not satisfied with the response : re-open XXXX YOUR COMPLAINT I am writing to request an investigation be done on Wells Fargo Bank. It is my confirmed belief that I have been victimized financially by unethical banking practice contrary to consumer protection laws and electronic account manipulation. I opened account XXXX/XXXX/XXXX for sole purpose of paying my mortgage and mortgage related escrow only. Wells illegally crosslinked my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to this Wells checking account without my knowledge or consent to generate enormous fees for themselves and cause my XXXX XXXX XXXX account to be closed. I had never authorized the Wells checking account to be linked with XXXX neither to Wells or XXXX At that time I was utilizing my XXXX checking account with my XXXX  XXXX XXXX. I had discovered the problem between XXXX XXXX, XXXX and XXXX XXXX, XXXX while making a small purchase at XXXX with my XXXX card. The cashier informed me my XXXX card was declined because of insufficient funds to my complete surprise. The date of this illegal crosslinking according to the XXXX  representative I spoke to from their corporate headquarters was on XXXX XXXX, XXXX at XXXX The result of this action by Wells generated fees in the amount of {$530.00} and nine letters being sent in one day to my address. I believe this also had an adverse effect on my escrow account, another deliberate attempt on the part of Wells to disrupt my mortgage with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 An 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: Credit reporting or other personal consumer reports

I filed a dispute on XXXX. XXXX as well as several inquiries that were not initiated by me. Experian denied follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian.They alleged the company of acceptin unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting these derogatory remarks be removed or corrected immediately as it is affecting my chance of obtaining a house. Experian has violated my rights as a consmer as well as violating the Federal laws.
Product: Credit reporting

For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks
Product: Credit reporting or other personal consumer reports

Previously communicated with Representatives about removal but have not been removed!
Product: Debt collection

I dont see any negative accounts in my record but when I trying to apply for anything they denied because delinquent accounts
Product: Credit reporting or other personal consumer reports

Unfroze my credit report online through Equifax on XX/XX/XXXX of 2023. Applied for a private XXXXXXXX XXXX XXXX on XX/XX/XXXX of 2023 and was given a message that my credit report was still frozen. I called XXXX and they told me that they had tried to run my report through Equifax and that it was still coming back as frozen. When unfreezing a credit report online, it should've unfrozen my report within an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach and with what they have been offering to potential victims to protect them. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account indefinitely ( not just for 90-days following a consumer-requested alert status ) and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. The credit monitoring firms should be required to provide SECURE ways for consumers to freeze and unfreeze their credit. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I was Never Late on ( XX/XX/2024 -XXXX XXXX  ) on this Account Please Update the account as PAID/CURRENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an " adverse account '' with multiple errors to Transunion numerous times & they refuse to revise/correct the errors. This has caused 8 or more credit denials, hard inquiries & has harmed my creditworthiness/ reputation. On XX/XX/XXXX I paid XXXX XXXX   Hospital {$600.00} for XXXX & exam of my dog, XXXX. This left a balance of {$570.00}. I returned to XXXX XXXX Hospital with XXXX for emergency XXXX on XX/XX/XXXX. I was forced to pay {$900.00} ( half of the estimate of XXXX ) on XX/XX/XXXX before emergency XXXX to remove XXXX XXXX XXXX, which had started to XXXX. XXXX applied the {$900.00} to my {$570.00} balance from XX/XX/XXXX, leaving a CREDIT of {$320.00} on my account. I paid an additional {$900.00} on XX/XX/XXXX when XXXX was released from XXXX XXXX Hospital. There were 3 additional credit adjustments on my account as well, on XX/XX/XXXX. ( Please see attachments for the statements and proof of payments and adjustments ). My balance ( with the {$320.00} credit ) should be {$900.00}. XXXX has NEVER applied the {$320.00} credit to my account. Instead, they report as IN COLLECTIONS/ ATTY from XX/XX/XXXX - XX/XX/XXXX. I have NEVER been contacted by a collection agency or atty! From XX/XX/XXXX - XX/XX/XXXX, without notification, XXXX began reporting a monthly balance of {$1200.00} and payments of XXXX. This makes it look like I have been late monthly to creditors. I have paid {$2400.00} none of which is being reported by XXXX. I have pointed this out to Transunion via many disputes and they never change a thing on my credit report.
Product: Credit card or prepaid card

I got a new Capital One Venture credit card and thought I set up the auto-payment. But it does not pay and I was charged late fee and interest after the due day XX/XX/2019. When I found out I haven't paid, I immediately paid the full amount on XX/XX/2019. By the way, the Capital One don't send any reminder to let you know you have not paid. But on XX/XX/2019, I found out that I was charged interest again for {$73.00}. But I paid full balance amount before due day this time. I contact the customer service and they told me the they will charge interest for two consecutive months and then it will stop. It's the company 's policy. I don't think I should pay for the interest {$73.00} because I paid off all my balance before due date and there is not amount to be charged for interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked Transunion to ensure everything was complete and accurate according to FCRA XXXX XXXX XXXX on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Transunion still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Transunion to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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.
Product: Consumer Loan

I have a loan with Special Financing that was arranged for and set up by XXXX a company that I now believe is a scam. They have misrepresented and failed to provide the services I was sold. I have stopped payments on this loan and am trying to get the XXXX the company who is responsible for the brokering of this loan to refund the money to them. Special Financing is working with this company who is not fulfilling their promises. When they called me about payment I referred the to XXXX and they said that they will have them contact me. I have still not received any contact from XXXX. I do n't believe they will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX* Balance : {$290.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$840.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX