23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year> I decided to make an online purchase from an ad on XXXX XXXX with my {$50.00} prepaid VISA gift card. I put the card information in the ad 's website and clicked complete purchase and was suddenly redirected to another website and instructed to enter the card information again to complete the payment. I do so. I then go to check on prepaidgiftbalance.com to check my card balance and see that there were two unauthorized purchases. One was for {$39.00} from New Jersey and the other was for {$4.00} from Texas. Those transactions were not for the intended product that was advertised. Those dollar amounts don't even equal the intended product 's purchase amount. To this day I have still not received any product. 

On XX/XX/year> I call the number XXXX and speak with a representative about the problem. They shut down the card and cancel the unauthorized transactions. They then instruct me to call back the next day. I call the next day and get connected to a representative. They ask a few questions and I answer. The representative then tells me to fax a copy of my government issued ID and Social Security Number and SSN card to an unknown number ( not the one I called them on ). The phone call then ended. I decided not to take this step as it seemed sketchy to give my ID and SSN out to some random number. The company stated themselves that I should be reimbursed. I should be able to get reimbursement without having to give out such private information.
Product: Debt collection

The debt collection agency Roth-Morgan and associates called me posing as a lawyer, threatening to sue me if I do not pay the {$250.00} balance from an old bank account with XXXX. The debt is well beyond the Florida state statutes for theme to continue to collect on. They will not stop calling or threatening me with a law suit. None of their letters say anything about an attempt to collect a debt. They are violating the fair debt collection practices act.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting

CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to my credit report.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion received a certified copy of COURT ORDER case XXXX XXXX from XXXX XXXX Virginia civil court dismissing with prejudice the case brought against me for accounts opened FRAUDENTLY with creditor XXXX XXXX XXXX XXXX on my  credit report. 

Transunion also received my FTC identity theft report, police report and correspondence requesting these accounts be blocked from my report per Fair Credit Report Act ( FCRA ) U.S. Code 1681c2 - Block of information resulting from identity theft within 4 days To reiterate, Transunion today XX/XX/XXXX received my : Certified court order XXXX XXXX XXXX XXXX XXXX Civil Court , FTC Identity Theft Report, Police Report from Town of XXXX Virginia and FCRA U.S. Code 1681c2 via US POSTAL SERVICE tracking # XXXX US Tracking Number : XXXX Your item was picked up at postal facility aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Waiver of signature was exercised at time of delivery. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have furnished Transunion as of XX/XX/XXXX all the information needed to correct my report. Everyday moving forward my report is incorrect, will be in violation of FCRA. 

Transunion has until XX/XX/XXXX to correct my report under Fair Credit Report Act Identity Theft guidelines, if not updated by the above date, I will be forced to seek legal remedies in Federal and or State court for damages of emotional and financial hardship providing these CFPB complaints as documented proof your company willfully incorrectly reported accounts you had documentation ( court order ) these accounts were erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GLOBAL LENDING SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a car load with SECURITY SERVICE FCU in XXXX XXXX TX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Product: Consumer Loan

Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
Product: Mortgage

I have a mortgage with Round Point Mortgage. I have had this loan since XXXX XXXX. 

I am paid semi-monthly and send 1/2 a payment on the XXXX and the XXXX of every month. I am 1/2 payment ahead so that the half received on the XXXX is my total mortgage due. 

Round Point does not offer a semi-monthly payment option. They only offer a bi-weekly auto payment for a fee. My payment comes in as " Do not apply to Principal '' however, they keep applying one of my payments to the principal and then marking me " late '' to charge a {$57.00} late fee. 

I have to call every month to have this fixed. This time, they stated they couldn't remove the late fee because they had done that many times previously. I reminded them that THEY misapplied my payment and I was not late. First half received XX/XX/XXXX and 2nd half received XXXX. Therefore, they MUST remove the late fee. 

They processed my payments perfectly for the first 4 1/5 years, but in the last 18 months, this happens every month. 

I feel this is fraudulent and may be " on purpose '' so they can charge late fees. My payment is marked appropriately and on time. If their system " can't handle '' receipt of my payments, that should not impact me negatively.
Product: Credit reporting or other personal consumer reports

Transunion website and app NEVER EVER lets you check the status of a credit freeze or access to credit report. It always reports that they are having trouble or your information is unavailable. Very frustrating when trying to protect your information in a data breach. XXXX and XXXX are GREAT, accessible and easy to use. Your information on Transunion is NOT accessible EVER and this is a long-standing issue with their online platforms
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Mortgage

My mortgage is owned by Citizens One HomeLoans. Im currently in forbearance under a temporary loss mitigation program due to Covid-19 financial hardship. I have been unable to recieve any information about how to facilitate being considered for options provided through the CARES act upon completion of my forbearance period. On XX/XX/2020 I called my lender once again to attempt to recieve information related to my mortgage forbearance. When I made contact with my lender, two different customer service reps told me that all defferred payments would be due immediately upon expiration of my forbearance period. One told me that my forbearance program ended in XXXX and another told me it ended in XXXX. Neither could provide me with any information on their processes to comply with CARES act options, including the partial stand alone credit claim. When I referenced these options they had no knowledge of what i was referring too.Further the reps could provide no guidance on any steps that may be needed on my behalf to facilitate this process.Three agents i spoke to could not be understood due to quick speech and an extremely heavy accent, when i politely asked to speak to a manager one of them fought with me, another just transferred me to the collections department. I have spent hours on the phone with this company since the beginning of this process in late XXXX and have consistently be given inaccurate and inconsistent information from everyone I've spoken to. The only thing that they have been consistent on is the fact that I will owe them all the defferred payments, paid in full, upon completion of the forbearance period. I have reached out to HUD several times, since I have a FHA backed mortgage, and I have filed a complaint. I will be requesting action in writing by the lender, to provide specific guidance on my options at the end of my forbearance period and clear guidance on any action required on my part. Im requesting that you please provide any assistance or direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on Experian. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SS # XXXX dob - XX/XX/83 You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
Product: Debt collection

I received a parking ticket from Parking and XXXX XXXX at the end of XXXX for {$50.00} due to " overstaying in a lot ''. The ticket was sent by using camera based ticketing systems which is a violation to South Carolina law. I sent a formally written dispute letter by certified mail on XX/XX/XXXX asking for more information and further proof for fine. Without any response from the company, I then later received a letter from Oxygen XL debt collectors saying that I owed them money. I called to explain the situation and ask them to stop because according to the disputed debts clause of the Fair Debt Collection Practices Act, I have a XXXX day window to dispute the claim, and without he company sending a written response back to the dispute, they are not allowed to pursue debt collection. The Supervisor at Oxygen XL admitted over the phone that they received my dispute and ignored it because they had already sent the fine over for debt collection prior to receiving my dispute. This occurred before my XXXX day window had even closed. The supervisor continuously ignored me and talked over me as I spoke, while trying to pressure immediate payment from me.
Product: Checking or savings account

I was improperly charged egregious overdraft fees in the amount of {$210.00} overall from TD Bank. This started on XX/XX/XXXX when TD charged me a overdraft fee of {$70.00} when I had money reflecting in my available balance. This bank uses deceptive practices to maximize the amount of overdraft fees they can charge. TD bank blames their system for not accurately reporting the correct amount of balance available. This is false advertisement and unethical behavior for such business to practice. This violates my consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section 605 & 623 as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX IS SHOWING XXXX ON MY XXXX CREDIT BUREAU WITH ERRORENOUS INFORMATION. THEREFORE I AM REQUESTING THIS CREDIT CARD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  IS SHOWING DIFFERENT AMOUNTS ON ALL XXXX CREDIT REPORTS. AND IT'S SHOWING THE STATUS OF BEING PAID. I AM REQUESTING THIS ITEM TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.
Product: Credit card

There is a debt forgiveness program that I was attempting to apply for online. ( Credit Wise ) which is powered by capital one. Because I didnt have access to an old XXXX XXXX account on a mobile application they put me through a series of questions and transferred me to XXXX different people. The gentleman attempted to update information but because I didnt have access he couldnt provide service. He then sent me the following link to process a copy of my drivers license on the fourth attempt it was successful on my end. He ever he denied me saying it failed on his end. I called XXXX they gave me the same problem and then told me I had to take it up with capital one and they would be able to pull my credit report to better assist me in the matter in which they couldnt. How am I suppose to clear my debt if I cant update them with information. So they are allowed to take my money but I cant access or update my information?