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

I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX toyota finance company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
Product: Credit card

BILLING ISSUE ( 1 ) The TOTAL BALANCE and MINIMUM PAYMENT DUE amounts displayed on my ONLINE statement are different than the amounts shown on the HARDCOPY statement. This financial and system error was experienced ( notice ) by the customer once or twice in 2023. However, when I addressed the issue the CSR at TD Bank simply explained that I did not make the full payment. However, for months and the financial information displayed is may not have been clear. The person did not catch the system issue. This could result in payments that are " short '' and lead to payments that are categorized and reported as " late '' to the credit bureaus. This results in negative information being reported by the credit bureaus, decrease of credit, denial of credit. This system error and financial reporting should be corrected immediately. This is the reason why the monthly minimum payments I made in 2023 only satisfied the ONLINE minimum payment due and not the HARDCOPY statement ( minimum payment due ). The financial information being displayed could not be validated. 

( 2 ) There were several customer service, delivery, and billing issues reported in 2023. All outstanding issues were resolved by Raymour Flanigan/TD Bank except for adjusting the MINIMUM MONTHLY PAYMENT to a lower, reasonable amount that the customer can afford. 


My Issues : ( a ) My credit limit was decreased with other creditors ( XXXX XXXX, XXXX  XXXX and XXXX  credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( b ) My credit account was closed with other creditors XXXX XXXX XXXX and XXXX credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( c ) In light of all the customer service issues and delays with shipping, billing, credit, and call center conversations please advise if my minimum monthly payment can be reduced to below {$200.00} per month.
Product: Vehicle loan or lease

I spoke to Hyundai financial in the month of XXXX and XXXX and they advised me that once I made 6 payments they would give me. Deferment. I call in XXXX and after I made the 6 payments and they told me that I would need to wait 12 months. I called them almost three weeks ago and requested to have the calls from XXXX and XXXX pulled so that could hear what was said to them a supervisor was supposed to call me within 72 hours after they listened to the calls and after 3 weeks I still have not heard anything. I need a resolution ASAP because they are pretty much taking my issue for granted.
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across a bankruptcy on my credit report that was not fully verified. I disputed this information to Experian and they claimed that it was verified. I asked for a description of procedures along with the source who provided them the information. They refused to provide the source other than stating that the courts verified the Information. I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agency. I also provided to the courts an Affidavit of facts because I didn't authorize the release of any personal information. I then went on Experian 's website and came across XXXX is the vendor for public records in which Experian records. Problem is, if Experian did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. Im trying to understand why the bankruptcy is still on my report. I want to make Experian aware that they must fully understand by law that they must fully identify that anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. the FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a PACER report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all XXXX dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that Experian should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. XXXX separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX, cleared by XXXX XX/XX/XXXX). This process was repeated each and documented each and every month, for the exact month the payment was due.
Product: Credit card or prepaid card

Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

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

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a XXXX mortgage on my principal residence for {$130000.00} originated in XX/XX/XXXX by XXXX XXXX mortgage as an interest-only loan with a 10.25 % interest rate. XXXX XXXX was purchased by PNC Bank in XX/XX/XXXX and they have been the servicer of my loan since then. I am not currently in a hardship but am unable to refinance my loan because there is approximately {$120000.00} in negative equity in my house. I have spoken with every department within PNC and noone is willing help. My monthly interest-only payment is {$1100.00}. I have paid a little more than {$100000.00} in interest as of now and still owe {$130000.00}.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

TransUnion is reporting a late payment XX/XX/year> XXXX XX/XX/year> and XXXX XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

On XXXX used Zelle to transfer {$750.00} from my checking account at XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using Zelle and again from my checking account at XXXX. XXXX XXXX debited my account, but Zelle did not transfer the funds to XXXX XXXX. When I check the transactions online in my XXXX. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that Zelle has frozen the funds. At this point, the funds have been frozen for over three days. 

I tried calling XXXX so-called customer service department earlier today ( XXXX ), but got nothing but grief and aggravation from their XXXX IVR ( which they make almost impossible to use ) and from one of their employees, XXXX ( XXXX XXXX XXXX ). I explained the problem to XXXX, she told me to call my bank, I told her that the banks told us ( me and XXXX XXXX ) that the problem was with Zelle and that they needed to fix it, XXXX started to give me a ration of XXXX and I told her to let me speak with her supervisor. She did not do so. Instead, she put me on hold for almost XXXX minutes and then disconnected the call.
Product: Checking or savings account

-Opened account in XX/XX/XXXXand mentioned the {$350.00} new account incentive -Set up direct deposit ( terms of the incentive ) -Never received the incentive -Called Chase in XX/XX/XXXXand the service representative said we would not receive the incentive because a code was not entered when the account was opened
Product: Mortgage

I am trying to pay off my mortgage with Wells Fargo Mortgage and they refuse to provide my wiring instructions through a secure portal. I asked to speak to a supervisor ( XXXX ) and she offered to provide them verbally but will not send them through a secure message on the portal. This is unacceptable as if anything is wrong it will result in delaying or losing a large sum of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored my requests for disputes of incorrect information on my credit report several times. I was sent a letter a few years ago after attempting to dispute inaccurate information on my report stating they wo n't respond to me because they did n't think the letter I sent came from me. I have tried disputing online and was denied for unknown reason. They 're currently reporting incorrect information on my credit report that they wo n't allow me to dispute, because of this I have been denied car loans.
Product: Debt collection

I was first notified in XXXX from Synchrony Bank that there was an outstanding balance of {$1500.00} due from a PayPal Credit card. I spoke with them and told them I dont even have a PayPal credit card. 
They asked if I current resided at a certain address, I did not. It was the address of my sister and her ex-husband. From what I have figured out one of the two opened a credit card in my name and while my sister was hospitalized in XX/XX/XXXX these charges were made. 
After repeatedly telling them it was not mine they sent me a letter to file for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate the federal credit reporting act by stalling to remove accounts that are related to credit transaction and also relating to the privacy of my consumer report. I requested in XXXX and XX/XX/2021 and they still come up with lies of validation. I am the original creditor pursuant to 15 USC 1692g and only I can validate. I've attached documents of the FCRA law requesting deletion of all accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted XXXX  through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. XXXX declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) XXXX has reason to determine that you have requested the block in error ; b ) XXXX  has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a XXXX  XXXX and should not be going through this. 


I will once more supply XXXX  with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a XXXX  XXXX.
Product: Debt collection

XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using a third party for this matter. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. So, I have filed FTC report for this matter. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXXXXXX XXXX XXXX 
XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX these items above should be removed from my report immediately.
Product: Mortgage

I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.
Product: Credit card

Discover has been calling my husband AND my daughter about my account. They have told them of the debt and the amount. I am the primary cardholder. I never gave them my husband or my daughter 's information ... as far as I knew, NO ONE else is included with this card account, but they are calling my husband AND daughter multiple times a day!
Product: Debt collection

I have reached out to Cavalry Portfolio Services and requested information in which I have yet to receive a response. Cavalry Portfolio Services is XXXX XXXX of my rights as a federally protected consumer.