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

I have a secured credit card with Self lender. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my XXXX credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX  as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need Selfer lender to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax, and XXXX  on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/2020, Amount {$2200.00}, reported improperly on my credit report.
Product: Checking or savings account

on XX/XX/XXXX was the 1st attempt to wire transfer the amount of {$20000.00} to a family member for financial support. ( Account restriction placed ) On XX/XX/XXXX Account restriction lifted ( advised by the CSR at Capital One to initiate a 2nd attempt ) on XX/XX/XXXX was the 2nd attempt to wire the amount of {$20000.00} to the same family member for financial support. ( account restriction placed ) After making contact and disclosing all the necessary information and proof of validation, It was determined the restriction could be lifted and I could proceed with another transaction. 

I made the 2nd attempt to wire the same amount to the same family member. I called Capital One to make sure there would be no issue. Capital One assured me that there would not be an issue and to go ahead and proceed. After several hours I get a notification that the restriction was placed a 2nd time.

At this point, I contacted Capital One to see what the issue was again. They then told me my account would be closed and the investigation would be launched a 2nd time for the wire transfer.

My funds are unavailable until the investigation is complete. I was not given an estimate as to when it would be or who the active investigator is. They said this was not something they provided.

They questioned my source of income and the source of the added deposit to the account from a friend. which I provided. No fraudulent activity. All digital currency was converted to USD and deposited into my account.
Product: Mortgage

I have provided the documentations that the mortgage company required. The documents where sent to the mortgage company via fax and uploaded to there website. all of the documents was sent between XXXX, XXXX, XXXX, of XXXX. I was never late on the 2nd loan there was an automatic withdrawal set up for the 2nd mortgage I wasn't aware that they stop taken the amount out for the 2nd mortgage. This loan has amount of {$68000.00} that came due. the monthly pay was XXXX I setup the monthly withdrawal for {$50.00} the last withdrawal was XX/XX/XXXX. I will upload the decision letter from the mortgage company. I'm not sure what else I need to have or say. Thank you. 

1. 2 years taxes 2. 2 months bank statements 3. 2 paystubs 4. profit & loss statements.
Product: Credit card or prepaid card

I noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, XXXX, and Equifax. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

I have worked for 7 years to rebuild my credit after Chapter XXXX in XXXX. Discover without written notice decreased the Credit Limits on all 3 of my cards which raised my utilization from 30 % to 90 %. I have paid more than the minimum and sometimes make 2 payments. This in turn caused a snowball effect on my XXXX XXXX  which was reduced from XXXX to XXXX, XXXX XXXX XXXX XXXX which I have had for several years from 3000 to 1500. So, Discover has basically negatively affected my credit which caused other issuers to follow suit. I had extra expenses during the holidays and I have been paying these down, considerably. It took forever to bring up my credit to only have it shot down in less than 2 months to where I was 7 years ago. Nothing in the mail. I called Discover and explained the negative effect this would have on car loans, refinancing, and everything else... They did not care. They did not care I paid on time and sometimes more than the minimum. Now my utilization has gone up on several of my cards and my credit that I worked so hard for and continued to pay during COVID is ruined by their decision and lowering limits without prior notice on a whim and ruining my score which I worked so hard on for so many years. XXXX XXXX seeing that Discover did this followed suit. I am very upset these banks are not regulated to prevent this from happening and intentionally ruininging an individuals credit with all 3 bureaus.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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..

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!
Product: Credit reporting

An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 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: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN HONDA FINANCE reported me late during a pandemic. I was XXXX XXXX with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. honda ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX  Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}
Product: Debt collection

On numerous occasions, between XX/XX/XXXX and present day ( XX/XX/XXXX ), I have been relentlessly called by Americollect , Inc. Not once have I received any concrete evidence of the alleged debt. I answered one of their calls in an effort to verify the debt and did not receive adequate or hard copy verification for said debt. At no point prior to frequent cellular harassment was I made aware of any debt, nor the exact amount owed, by Americollect , Inc . I have received over 18 calls in the past few months and not once have I received physical verification for Americollect, Inc. 's claim.
Product: Credit card or prepaid card

I applied for Citi ThankYou Premier Card in XXXX XXXX, 2017 with promotional offer of XXXX bonus points for spending {$4000.00} within 3 months of account opening. 
After successfully fulfilling the offer, Citi did not provide XXXX points.
Product: Checking or savings account

My account number is XXXX. 

This was a XXXX year rolling XXXX that I have had for some time. 

I learned through a letter in the mail that my XXXX which matured on XX/XX/XXXX was rolled without notice into a new XXXX year XXXX at materially below market XXXX year XXXX rate of 0.10 %. This new rate was much lower than the prior years rates despite the XXXX XXXX bank raising short term rates 1.00 % in the last year. Competing rates at other banks are in the 1.3 % to 1.5 % range. The rate provided was also below the XXXX year XXXX offered to other people on the M & T website. 

I was never informed before hand and the letter I received from M & T bank dated XX/XX/XXXX ( weeks after the roll ) and received XX/XX/XXXX ( no idea how it takes 9 days to get a letter XXXX was after the grace period to prevent the " off market '' automatic XXXX roll. 

Because of the large rate discrepancy between M & T bank and other banks it was economic for me get my money and deposit it elsewhere. This could only be done though going to a branch payment of a penalty. This was not appropriate given the lack of information and lack of opportunity to withdraw with no penalty. I was effectively forced to pay the penalty given the longer term harm of waiting a full year at close to a XXXX interest rate. 

When discussing this on the phone with the bank and with the branch representative, they both assert that I received a letter to my home prior to the XXXX maturity which included the terms of the automatic roll. I never received this letter. Additionally it seems that if the impact of doing nothing and letting the older 1 year XXXX automatically roll into a new 1 year XXXX at an " off market '' rate, proper initiative is needed to make sure customers are aware of what is happening. 

Explained this situation to their customer service and to the branch representative but was still forced to pay the early withdrawal fee
Product: Debt collection

I had contacted XXXX XXXX XXXX, advised I would be paying off the balance on the card in about 7 days, note the account is 1 payment past due. I also asked for a cease and desist on the account as the number of calls I have been receiving daily is insanity. I have blocked numbers and then they will call from another number. Despite the representative advising that she added the C & D on the account, I have still received 5 phone calls, within 20 hours of advising of C & D.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting or other personal consumer reports

I mailed letter on XX/XX/XXXX to dispute some inaccurate information on my report. The letter was recieved on XX/XX/XXXX on XX/XX/XXXX I recieved an email stating they recieved information but are unable to process because I didnt authorize an 3 party in my letter I stated that I use a soft ware to help me create my letter which is not against no laws and they are violating 15. Us code 5 1681i and off of assumption they are delaying processing my letter due to an assumption which I stated in my letter as well as I attached my ID card and mail I was told that I can resend the same letter again which is not a guarantee that they gone to process the same letter
Product: Debt collection

I entered a consumer credit transaction with XXXX XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XX/XX/XXXX I received an alert from each of the 3 National Credit Bureaus ( XXXX, XXXX  and XXXX  ) identifying a new derogatory reporting from American Honda Motors ( AHM ). The account listed on my credit from AHM is # XXXX. The original credit listing was XXXX, XXXX when the debt was Charged Off. The vehicle was auctioned and sold with a new balance listed in XXXX, XXXX at {$7800.00}. Then, just last week, AHM decided to update the derogatory trade line with REPO. This is unlawful and harmful to my credit score models as I watched my scores decline over 100 points because of this new entry. Furthermore, this hostile attack merits FULL DELETION of the account off my credit based on the FAIR CREDIT REPORT ACT, Section 609 ( a ) ( 1 ) ( A ), which requires all creditors to list negative accounts based on updated, accurate and physical verification. Since the AHM account was updated 4 years late after a CHARGE OFF, that action is illegal and must be deleted. I want the AHM deleted now or there is no purpose in have the CONSUMER FINANCIAL PROTECTION BUREAU as a means to help the consumer and you might as well close your doors.
Product: Debt collection

In late XX/XX/XXXX I was sent an escrow shortage letter IN THE MAIL. On XX/XX/XXXX I sent the attached letter requesting that the shortage be spread over 60 months as permitted by XXXX guidelines XXXX I also attached the guidelines to this request. In my request, I asked LOANCARE to send me a WRITTEN CONFIRMATION that this shortage will be processed over 60 months. I'm yet to receive any updates. 

My experience with this company has been appalling to say the least and I do not trust that this issue can be resolved without CFPB intervention. Without getting the resolution in writing, this company would most likely readjust my due payments incorrectly after next years escrow review. The service reps I've spoken with are just as clueless as they come with no product knowledge to resolve issues.
Product: Credit card or prepaid card

XXXX and I as a consumer came to an agreement and account was paid and closed by me. Was told that account will be removed and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the FTC ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the FTC declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!
Product: Credit card or prepaid card

I was contacted by phone text. Claiming to be a winner of an enormous amount of $ who wanted to help me get back on my feet. Agreed to forward me XXXX on a prepaid vanilla Visa card. I did forward a picture of front and back of card, but never gave him the # on my receipt. How did he still get the money on the card? Checked Balance and I have {$2.00} left on the card. Im ashamed as to what I fell for. Please help me. I am already down on my luck. The phone # are- XXXX promised to pay- sent photo to this #. Contacted me # s- XXXX and XXXX. If you can get my $ back I would appreciate it dearly. I can give you the visa # card and info if needed. Please help me.
Product: Credit reporting or other personal consumer reports

So a few months back, I was looking at my credit on a credit monitoring app. When I noticed account that I never open or gave anyone the authorization to open this account in my name. The account was XXXX XXXX. I then reached out to the company that was reporting on my credit. They never responded back to me, After trying XXXX XXXX numerous time and no response. I then reach out to the credit bureau that was reporting the error on my credit report, which was XXXX, TransUnion and XXXX. At first all three bureaus removed the XXXX XXXX account from my credit report, But then without any notice XXXX and TransUnion Decided to add back the XXXX XXXX account without giving me a 30 day notice.