23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Arvest Mortgage went through a merger. ARVEST IS STATING NO PAYMENT RECEIVED FOR 2 MONTHS BECAUSE THEIR SYSTEMS AREN'T REPORTING CORRECTLY AND WE ARE BEING FINED AND AT RISK OF BAD CREDIT REPORTING BECAUSE OF THEIR SYSTEMS -- WHEN WE PAID ON TIME. THEY ARE GOING TO RUIN PEOPLE 'S CREDIT. I got a letter in XXXX about the merger and changed the payee address in my banking institution portal XXXX XXXX XXXX XXXXXXXX ) immediately as advised by the letter ( and the rep when I called to confirm ). Without word to me, the account had been logging a failure to pay for 2 months without notifying me but when I log into my XXXX account -- it's paid for the last 2 months at the payment addressed advised in the recent letter. When I log into my Arvest account I can see payments attributed for the past 2 months, but there's also some weird late fees added even though my payments were not late. 
I got a letter today advising me of the unpaid status of my account, checked my XXXX  payments ( both cleared ) and the Arvest portal payments posted ) but when I call the Arvest # to talk to a rep there's a message telling us there's a payment problem and the letter says call them and use an extension but I recorded 3 times calling them and it sounds like it connects but then hangs up. Three times. I have 3 recordings. XXXX extension XXXX. 
WHEN I LOG IN I SEE ALL OF MY PAYMENTS MADE ON TIME but still got the letter. XXXX shows my on time payments ( I have autopay set up ). WE CAN'T REACH THEM. THEY WON'T TALK TO US. Also, the entire month of XXXX is MISSING from their online portal. I have a printout. 
Also, look at the image I attached. Two payments made the last 2 months for more than the amt due, received 1-2 days before the due date, but when I select all activity since XX/XX/2022 I only get from XX/XX/2022 and can't scroll down further and there's no additional page, and there are fines assessed even though my payment isn't late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Checking or savings account

This company authorized a transaction that I did not approve and charged my account of {$39.00}, regarding this issue their team messaged me back saying they were going to issue a refund its been over the amount of days and nothing. I have screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions Nissan Motor Acceptance Corporation.Both of these institutions have reported on my credit report that I was late on payments : Nissan Motor Acceptance Corporation reported that I was late on XXXX XXXX XXXX XXXX XXXX XXXX etc. Most of these instances happened during the pandemic which I requested that Nissan defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to Nissan and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering Nissan, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. Nissan never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Product: Checking or savings account

My income tax refund of XXXX $ was deposited in someone elses account. A chase account which was someone I knew stole my identity and filed my taxes into there account. Deposit was in this persons account on XX/XX/22 when I called the bank they were no help I am not on this persons account nor did I sign file or even give them my phone number. Its all on my return where they entered there in for for contact and mine and my childrens income. Ive reached out to local law enforcement and they dont seem to care because its a federal deal. Please help!
Product: Checking or savings account

I requested account information I told them and offered identity theft reports, police reports, investigation reports consumer reports regarding My AXOS accounts. I also told the person of interest who is the ex-boyfriend who has stolen my identity and stealing my identity I have account numbers and provided all credentials on my behalf to be told after looking at all the transactions done by the ex-boyfriend who is person of interest and is being investigated they still would not give me no information and XXXX still homeless. Also I was contacted by XXXX XXXX XXXX XXXX XXXX, Sheriff Department, Monday, XXXX XXXX. That the ex-boyfriend is in XXXX XXXX was life from XXXX XXXX XXXX XXXX XXXX XXXX  and is going on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX Texas, XXXX XXXX is the ex-boyfriend. They are calling me his wife thats why they contacted me. I am not that mans wife we have never been married. We were together for XXXX XXXX years and XXXX XXXX years hes ruined. My life left me homeless and broke!
Product: Debt collection

Portfolio Recover Associates is reporting a revolving account, as a factoring company, on a monthly basis on my credit report. The account that they claim to have purchased was in charge-off status prior to their acquisition of the debt and is therefore being reported inaccurately. This was disputed with the credit reporting agency in XXXX of 2015, and the collection agency verified the account and continued to report a monthly payment history to the CRA. They have also failed to provide the requested verification documents to prove the validity of the debt and the amount owed. In section XXXX of the recent Consent Order on CFPB File # : XXXX, it is stated that Portfolio Recovery Associates has a history of misrepresenting their intention to prove debts, and that misrepresentation is in violation of Sections XXXX XXXX XXXX and XXXX XXXX XXXX of the XXXX. Knowingly reporting inaccurate information to a credit bureau, as evidenced by their verification of my previous dispute, is also in violation of the FDCPA.
Product: Credit card

Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

Paypal is emailing us courtesy notifications that are statement is ready for review. This implies it is also ready to pay. However, this is not the case. The dates that Paypal is providing are misleading and causing customers like me to make payments that are inaccurate. 

In XXXX I was notified by Paypay that my statement was ready. I logged in and paid the statement balance. Today, in XXXX, I was notified by Paypal that my statement is ready. I logged in and discovered i was assessed a late fee and there was a balance due for XXXX. 

Subsequently, the 1st customer service rep had an attitude and I hung up. The 2nd rep was boggled by this issue as well. But credited my account for the late fee.

I spent alot of time in the above discussions.

Afterwards, I began to review all the emails and statements and balances to see where the problem was. And I concluded that it is 100 % Paypal and Synchrony Bank for providing us with misleading information about our the dates of our statements.

The attachments I am providing will show that Paypal notified me that my current statement is ready to review ( and pay ). When viewing the
Paypal Account, the due date is for last week and not for the end of the month. Then when going to Synchrony to make a payment, there is no statement for this month. Instead its last month statement. And then we customers pay inadvertently pay that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing of EXPERIAN. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act Experian is required by law to remove account XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} which is found to be opened due to identity theft.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I requested all of the relevant information that lawfully gives XXXX XXXX XXXX the right to furnish an alleged debt to my consumer report. I also asked for a contract or agreement that I have with them. XXXX XXXX XXXX never provided this information. They sent a photo copy of some documents and none of the documents have their name or any signatures on them. Therefore are hearsay. XXXX XXXX XXXX never had have my written permissible permission or purpose to furnish any transactions to my consumer report.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report had an obscene amount of inquiries on it. XXXX inquiries to be exact. I did not initiate any of these inquiries and per 15 U.S. Code 1681b Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Attached are the screen shots of the inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your time again to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$2100.00}
Product: Debt collection

I disputed the information with XXXX XXXX  they not trying to solve the issues I dont owe no payment because I dont have a contract with this company. I would like this information to be remove for my credit report asap
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX  account with transunion on XXXX the XXXX 2023. I still have not heard back and it has been longer than 30 days. This violates my rights.
Product: Credit card or prepaid card

I have been charged a substantial amount of late fee and interest charges total US {$22.00} in my credit card account with Comenity Bank Master card. They charged based upon the {$5.00} on XX/XX/2022 which was an unauthorized charges by XXXX XXXX. On XX/XX/XXXX, XXXX has refunded me {$5.00}. 
I have called Comenity Credit card numbers, XXXX multiple times ( 5-10 times on XXXX XXXX ) to remove these illegal charges, but they always disconnect me when I choose the option to talk to their representatives. I have used online chat with their agents, who also would not want to dispute these charges for me. 
Please help me to move these illegal charges ( US {$22.00} ).
Product: Debt collection

I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.
Product: Credit card or prepaid card

My complaint is with XXXX XXXX XXXX/Comenity Bank, account ending in XXXX. On XX/XX/21, I paid the credit card account in full. I was then charged the residual interest of {$5.00}, I not realizing there was still a charge on my account, I failed to make the payment and then charged a late fee of {$5.00} plus a late fee of {$2.00}, total of {$12.00}. I contacted the bank to ask for a courtesy adjustment and was told due to the account being closed ( at their request because XXXX stores closed ) they could not issue a courtesy adjustment and recommended I pay the {$12.00} balance. I asked where in the credit card terms and conditions did it state no adjustments could be made when the account was closed. I was advised to access a website other than the general website where I would usually log in to pay my account each month. I asked where on the website could I locate the credit card agreement terms and conditions and was told it was not on the Comenity website and again given a totally different website to access and review the terms and conditions. I asked how would I know to go read these terms on a totally different website and was not given an answer. I asked where could I locate my question about no courtesy adjustments when an account is closed and did not get an answer.
Product: Debt collection

Unknown bill, tried to reach out and request validation and nothing received, please help
Product: Student loan

I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans. 

Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.
Product: Credit card

I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.
Product: Debt collection

My dispute was sent on XX/XX/XXXX and by law XXXX XXXX  XXXX/XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -WELLS FARGO has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH WELLS FARGO where WELLS FARGO ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact WELLS FARGO has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined under 15 USC 1691a and has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit and a benefit causing me to suffer and experience harm and has discouraged me from extending further credit within the banking system. WELLS FARGO instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in mentioning they follow the ECOA perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY WELLS FARGO. Notice it is a fact WELLS FARGO is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND WELLS FARGO AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. WELLS FARGO HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE ACT AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM 3949A AND IRS FORM 211 AGAINST WELLS FARGO. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON.
Product: Credit card

I inadvertently paid {$10000.00} to a credit card that had a {$0.00} balance. This credit card is issued to one of my employees for incidental use. I called the bank ( Wells Fargo ) to ask them to transfer the money to a credit card that I do have a balance on. The first person I talked to said it would happen in 3 days. When that didn't happen, I called back. That person said it takes 2 weeks. When that didn't happen, I called back and that person said it takes 30 days. It has now been 6 weeks, and I just got an email from them saying they need more time for " research ''. I was also told that interest would accrue on my other card that I intended to pay until I make a payment. I really need this money back to cover my bills.
Product: Credit reporting

I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX