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

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I send letters to the Equifax and creditor they keep saying updated and I never ask for a update Im asking deletion because late payment and inaccurate reporting. They dont even have consistent reporting on my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
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 finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Mortgage

I made an extra payment ( $ XXXX ) to my mortgage XX/XX/2023. On XX/XX/XXXX I notified ( via online from their website/email ) ARVEST Bank that the {$10000.00} was to be applied to principle. One week passed and a checked my account online and found that ARVEST Bank incorrectly applied the payment as {$1200.00} for future payment and {$8700.00} principle payment. 
I called ARVEST Bank and asked them to correct the error. They assured me they would make the change. Another week passed and no change. I made another call to ARVEST Bant and they assured me again that they would make the change. Today XX/XX/XXXX, I checked my account online and found that they reversed both {$1200.00} and {$8700.00} payments as if no payment was made. My principle balance increased by {$10000.00}. 
I called ARVET Bank once again and asked where is the money. The response I received was that the funds are in a suspense account. I got another assurance that the funds would be applied correctly. I am not convinced that ARVEST Bank is doing their job correctly. 
I have had this mortgage for more that fifteen years. I never once made a late payment. Please investigate the actions of this company to ensure they are not mismanaging customer accounts.
Product: Money transfer, virtual currency, or money service

I spoke to someone regarding the purchase of an item. We reached an agreement and I sent him {$200.00} on the popular app, Cash App. After I sent it, he never replied and blocked me. This all happened XX/XX/19 from XXXX XXXX to about XXXX.
Product: Credit reporting or other personal consumer reports

I urgently need assistance to stop the reporting of certain items on my credit reports. Despite numerous attempts to address errors and fraudulent information with the three Credit Bureaus, the issue persists. Letters were sent to your office, but no response has been received, and the same items have reappeared in my latest credit report. Below is a list of items I am disputing. Immediate action is required to delete these items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/year> ; XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Student loan

Ive been paying on the loan but all of sudden payments not being reported. Also, student loan has been removed from a couple of the bureaus but not all and Im trying to figure out why is it not being removed from all and only one or 2. Reporting incorrect information on credit report as well. Also, the concerns of My information being solicited to get paid while being in sync with the company due to the matters of building or having credit. The company is highly know for the dark pattern, which is very alarming and violations of its consumers laws, along with possibly getting pains to sell its consumers information. I expect to be reimbursed for these incompetent matters.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


Equifax 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: Debt collection

ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.
Product: Debt collection

At XXXX XXXX  on XX/XX/XXXX, The CCS Companies ( calling on behalf of CCS Offices ) contacted my workplace for the third time regarding an unknown debt. Despite my two previous requests via mail for them to verify the debt, they have not done so. Nevertheless, they persist in contacting me through my workplace in their efforts to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a account without my written instructions.
Product: Debt collection

This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.
Product: Mortgage

In XX/XX/XXXX I fell behind on payments due to injuries suffered from previous accidents, both work and vehicle. I made attempts to pay, they refused payments. I tried to get a foreberance but they denied me. Then the pandemic came. XXXX XXXX I made contact again with the servicer, XXXX XXXX was my point of contact. I received an email from him stating they were working on it, never heard back. They barraged me with automated calls and automated voice messages to my cell phone in violation with FDCPA. I called the point of contacts, XXXX XXXX wouldn't help me because as she claimed, I am not her kind. Never heard back after that. They continued with letters and point of contacts, none responded to me as required. This pushed my balance higher. I applied for modification in XX/XX/XXXX, gave everything they requested, they denied claiming I requested a foreberance, I didn't. I applied two more times, each time they asked for documents already sent and received, claiming not to receive them, but i sent sent back checklist to confirm all received. They played the we don't have them game to avoid helping me, then closed application. They deliberately miss managed to avoid helping and continued to collect higher fees
Product: Mortgage

In XXXX of XXXX I filed bankruptcy due to falling behind on mortgage payments. US Bank increased my payments almost {$200.00} without an explanation. Whenever I called the bank NONE of their employees were educated on the tax process and how this could have happen.I made several attempts to contact US Bank to resolve prior to filing, and each time I spoke to multiple employees who NEVER provided the correct information. I was able to successfully bring my mortgage current and have attempted since to stay on time with my payments. Unfortunately US Bank is making it almost impossible for me to make my payments on time. If I call in to make a payment they will charge an {$11.00} fee. when I asked for another option I was told I can go online and make a payment. when I log into the main website for US bank it provides the correct information. Once I select the option to make a payment it automatically directs me to an alternate website that states my loan is delinquent and they will not accept payments on my loan at this time via the online payment method. MY LOAN IS NOT PAST DUE When I called and provided this information to a representative, the rep advised that I would have to send a letter stating I accept the receipt of e-statements. E-STATEMENTS HAVE NOTHING TO DO WITH MAKING A PAYMENT ONLINE. I'm also already enrolled in E-STATEMENTS I sent my XXXX and XXXX payments to US Bank via my XXXX XXXX XXXX bill pay. US Bank RECEIVED the XXXX payment on XX/XX/XXXX and the XXXX payment was RECEIVED on XX/XX/XXXX neither of my payments have been updated. My loan is showing due for a XX/XX/XXXX payment. this is incorrect and when I called in I'm being told US Bank is not showing proof of payment. Although my loan was DISCHARGED in  Bankruptcy, US Bank sent me an email requesting PAYMENT for XX/XX/XXXX. Clearly in violation of my rights after having this loan discharged in a  bankruptcy. Yet they are using tactics to garner fee income. I wish my loan was still with the original lender XXXX XXXX XXXX and was never sold to this TERRIBLE XXXX COMPANY.
Product: Student loan

I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer.
Product: Student loan

On XX/XX/XXXX i received my first letter regarding the current collections on this debt from the Dept of Ed.  This first letter was the FINAL NOTICE OF WAGE GARBISHMENT FOR DEBT OWED TO US GOVERNMENT. When i called the Dept of Ed on XX/XX/XXXX i was redirected to FH Cann. Prior to this XX/XX/XXXX letter I have had no contact from a collector about this student loan debt when another company tried but after I sent a written request for verification of the debt, the collector never supplied verification and stopped contacting me. So, in several phonecalls on XX/XX/XXXX I immediately questioned FH Cann as to how this FINAL NOTICE was the only notice I've received and all they said was everything was sent to the same address. On this call I was instructed of several repayment options, of which were slight variations of paying the debt off in full. Not until ending the intial phonecall and doing some research and learn about loan rehabilitation. Upon calling back on XX/XX/XXXX and mentioning the rehab program FH Cann then said that was an option. They then proceeded to pressure me and question me about expenses regardless of how many times I stated I'd like time to review my finances to provide these numbers. FH Cann provided an estimate based on these inaccurate numbers and persisted in trying to get me to agree to these terms. Several times I repeated I would like to review my finances and was ignored I said I would not agree to terms until I could do a financial review to provide accurate numbers and that I also needed verification of this debt before I could do so. I was told this information was to be sent to me. The only documents I received after this call was a prefilled out loan rehab income and expense form using all the unreviewed numbers from the phone call. No verification on the debt as of XX/XX/XXXX. I will now be following up with a written request of verification.
Product: Consumer Loan

Allied Interstate has been calling my cell phone from an automated dialer several times a day several times a week, and even after making contact with me, they still call me back to back. They will not disclose any information about their company when asked very specific questions such as : 1. What is your phone number so I can call you back? They will provide an XXXX that does n't come up on caller ID and outsourced in XXXX based on the little info I could get from them. 

2. Would not provide a website to confirm who they are? They are asking me for all this info and not disclosing themselves properly and giving false info. 

3. Will not identify themselves and the nature of their business when asked.
Product: Credit reporting or other personal consumer reports

Complaint ID XXXX Was filed. Company responded they had removed the accounts however XXXX is still reflecting on my consumer report.
Product: Debt collection

I had my wages garnished for medical bills and the garnishment was complete and paid in full. I received a letter stating my garnishment was fulfilled and there was another two bills that came in and were added on for XXXX. I called the company to make payment arrangements and they have now added on XXXX court costs and XXXX court costs. I cant afford to pay these outrageous fees added on. They are also telling me I have to pay XXXX a month until it is paid in full
Product: Prepaid card

I tried to use this card at XXXX. XXXX has a relationship with Amex so there is no reason this card should not work there. I often use Amex at this vendor and I should be able to here. I have tried it twice and it will not work online. I chose Amex cards vs other types of cards because I wanted to pay for things in XXXX and I am not able to.

I am requesting the full amount of this gift card to be returned to me in a check.
Product: Debt collection

On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the collection on Speedy Cash.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect
Product: Vehicle loan or lease

According to my consumer profile this alleged debt with credit acceptance account number XXXX originated XX/XX/XXXX. I am XXXX XXXX military, and began XXXX XXXX service on XX/XX/XXXX due to the SCRA I the consumer am entitled to a 6 % interest rate reduction, and no late fees. I have spoken to a representative to make credit acceptance aware of this fact in XXXXXXXX XXXX XXXXXXXX, and I have yet to have this matter corrected on the account in reference.
Product: Credit reporting or other personal consumer reports

I never received my 1099c and it IA reported as a charge off
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}
Product: Money transfer, virtual currency, or money service

I just tried to link my Capital One 360 debit card to my XXXX account to use their service called " Pay with XXXX ''. However, when trying to link my Capital One account using my Capital One credentials I got a message stating " Capital One is blocking you from enabling external applications ''. This is something that I didn't have issue with when I had my XXXX XXXX XXXXXXXX account. Capital One shouldn't be blocking this as many people out there utilize 3rd party services which allow them to keep track of their finances, help in paying off debt, budgeting, etc.