23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED XXXXXXXX XXXX XXXX XXXX XXXX debited/assessed XXXX charges to my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXXXXXX XXXX XXXX  reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXX XXXX reported to XXXX, XXXX, Transunion and MY FICO as 30 days late. Since it is XXXX XXXX XXXX responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXXXXXX XXXX  removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the 30-day late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all four ( MYFICO, XXXX, XXXX AND TRANSUNION ) is still reported as 30-days late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all four credit reports ( MYFICO, XXXX, XXXX AND TRANSUNION ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, XXXX, TRANSUNION AND XXXX CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXX XXXXXXXX XXXX reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXX XXXX XXXX has agreed and verified in a letter to me dated XX/XX/XXXX.
Product: Mortgage

I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.
Product: Debt collection

I am contacting you on behalf of my son. He suffers from severe XXXX health issues. Therefore I will be his advocate. He was contacted by XXXX XXXX regarding a payday loan from XXXX XXXX Texas. He missed one payment, so someone called him from XXXX on XX/XX/2022. They told him he would face jail time because he bounced a check across the state lines. I called the same number to talk to the rep, and the man was very hostile to me. He refused to tell me his name or give me an address. I hung up with him and called the number on the website. By the way, there are two websites one has a misspelled name, but both have the same number. I spoke to a woman named XXXXXXXX XXXX XXXX  XXXX XXXX. I let her know about our exchange with the other rep. I wanted to help my son, so I paid the rest of the so-called debt. I was promised by XXXX that I would get a receipt the next day, but nothing came across my email. I called the next day again, and the rep that answered said it would be 90 days for me to get a payment confirmation. Since then, my card has had two fraudulent charges on it and still no receipt of payment. This company, I feel, is not abiding by the laws set by the fair trade commission and should be looked into. Just look at the XXXX reports. http : //niagararestitutionservice.com/. Others have been threatened by them.
Product: Credit reporting or other personal consumer reports

According FCRA section 605B it is illegal to report information on my credit report with my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 a account without my written instructions.
Product: Checking or savings account

When I go to apply for a bank account, I am being denied because XXXX XXXX is still showing a debt of XXXX that has been paid. I've spoken to XXXX XXXX and Bank of America about this situation. I have documentation showing this debt has been paid on Monday, XX/XX/2021. I would like to have this debt disputed so I will be able to open up a bank account. Thank you.
Product: Credit reporting or other personal consumer reports

It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.
Product: Bank account or service

I was sent an unsolicited credit or debit card from a company called " netSpend '', along with a direct deposit form " to give to my employer ''. The information in the letter I received contained active account numbers that were pre-generated " for me ''. I 've never contacted this company. I 've never filled out any forms requesting anything like this. I 'm not part of any program or institution that was acting on my behalf. This company just created accounts in my name without my permission and sent me the information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - {$630.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX XXXX - {$1300.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX {$1600.00} : Attached themselves to my Credit Report Fraudulently
Product: Debt collection

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute thru CFPB about the reporting of an account by Equifax Credit Bureau on XXXX XXXX. Equifax confirmed receiving the dispute on XX/XX/2020. The investigation was completed on XX/XX/2020. This investigation took a total of 44 days. According to the New Jersey Fair Credit Reporting Act, The Federal Fair Credit Reporting Act and a statement by Equifax the LAW states that the investigation must be completed in 30 days or the account by XXXX XXXX must be deleted.
Product: Checking or savings account

On XX/XX/XXXX, I got a notification that my savings account is locked. I called the number they provided and asked what was happening and when would it be fixed.

It turned out that they didn't know the reason for the restriction and couldn't provide a timeframe. 
I called them again on XXXX, but still I got no useful information from them. 
It's so frustrating to me, since I need my deposit to pay down my credit card balance soon.

I believe they should've provided why my account got locked and possible actions to unlock it right after the restriction. Also, they should've informed me how long it would take to regain access to my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Bank account or service

Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.
Product: Mortgage

I am looking for some assistance in removing the late charges reported to the credit bureau while I had my property on the XXXX forbearance. When I started the forbearance program with XXXX I was assured verbally and in writing that the months taken would be added to the end of the loan. I was contacted by phone two separate times to extend the program and signed paperwork to the affect.

During this 12 month time I was out of work with XXXX  and then I was on XXXX XXXXXXXX for XXXX XXXX XXXX from XXXX for XXXX XXXX. Aside from signing the extension paperwork I didnt receive notice of my loan going into default and the property going into foreclosure until I got the certified letter from the law firm of XXXX XXXX XXXX XXXX XXXX XX/XX/2023 informing me that my house was going to go up for auction soon. The day I received this letter I reached out to them to find out what was going on because everything I had gotten from XXXX  stated that the missed payments were to be added to the end of the loan. 
Within 24 days of this letter I procured the needed amount of {$19000.00} to bring the loan back to current and have continued to keep the payments on time.
Product: Credit card or prepaid card

AT the beginning of XXXX I received notification from SearCard that if I did not use my credit card to make a purchase they would be lowing my account limit. Ultimately this will impact my credit score in some manner. On XX/XX/XXXX I contacted the company and explained that I had not used the card because I had purchased a washer and extended warranty in XXXX and had not had any need for another large purchase. I did not see this as my account being inactive but rather just not needed. I was told that I would need to make a purchase, even if it was only {$1.00} to keep my account active because they were protecting me from fraud. I questioned this and stated that I could verify that my account was with me and had not been used, the supervisor I spoke with ( XXXX ID # XXXX ) told me it did not work that way. I explained that telling me that I had to buy something to keep Sears from harming me was blackmail. He stated that I had no way of knowing if it would affect my credit rating unless I contacted a credit rating company and that I should not put words in his mouth (? ). I clarified again that if I did not purchase something with my credit card, Searcard was going to lower my credit, knowing it would impact my credit and they were doing this to " protect me from fraud '' even though I had contacted them to let them know the card was not inactive just not needed. He stated yes, that was the action that would be taken by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken.

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge.

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX  ... .on the same day as I applied for the medical credit. So is my score XXXX XXXX or XXXX? Or should it be higher because I have very little debt.

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt.

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Product: Credit card

I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.
Product: Credit card or prepaid card

Application reference number : XXXX I applied for a XXXX XXXX credit card that is issued through Synchrony Bank. On XX/XX/2022, I received a letter from Synchrony Bank to call customer service to very my identity. I called the number XXXX on XX/XX/2022. I was directed to go to a website which is used to verify my ID. The process involved me taking a photo of my state driver 's license and record a short video of myself and upload it to the site at which time I did. When I recorded the video, I was at my job and in my uniform which is a XXXX XXXX. My uniform displays my XXXX XXXX XXXX After holding for about 10 minutes the customer service agent advised me that the bank is unable to verify my identity and the application is being denied. On XX/XX/2022, I spoke to a supervisor named XXXX and advised him of my issue, XXXX stated he can not tell me why the application was denied and that I should have received a letter. I explained that I did not receive a letter and expressed a concern that I was denied the application based on a bias against XXXX XXXX. Every document and information supplied to Synchrony Bank was information that only I would be able to provide. I also have a current credit card issued from Synchrony Bank that I have held for approximately 7 years in addition the video I uploaded was of me in my XXXX XXXX XXXX  that clearly showed my XXXX XXXX XXXX XXXX  on it. I advised XXXX that I feel I was discriminated against because I was wearing a XXXX XXXX XXXX  and therefore, I was denied credit. XXXX sated that I would hear a response back in writing in 7-10 business days.
Product: Debt collection

I worked for a company called XXXX XXXX , XXXX The company filed bankruptcy in XXXX and the bankruptcy was settled in XXXX. Attached is a copy of the filing. While I was an XXXX of the company, I did not make any personal guarantees on behalf of the company which was a public company with hundreds of shareholders, so I don't know why AMEX or their collection agency can assert that I should be responsible for this debt. It was the company 's debt, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.
Product: Mortgage

I had automatic payment on the mortgage and The Mortgage company changed and one day they called me to collect the payment and I was paying the old mortgage company and i didnt know about it
Product: Credit reporting or other personal consumer reports

During the Pandemic I had several lates on my Navy Federal Car Loan. Although such lates were supposed to be overlooked by creditors Navy Federal failed to do so. This account has been paid in its entirety and at this point I am asking that all remaining lates be removed or either this account be removed in its entirety. I have been falsely told accounts can not be removed when in fact Navy Federal is not reporting this negative information to all Bureaus. 

I am asking that this account stop reporting to XXXX as soon as possible. 
NAVY FEDERAL CR XXXX Closed Closed on XX/XX/year> Balance {$0.00} XXXX. {$40000.00} Experian Only Status Paid XXXX Only
Product: Debt collection

When I saw the item appeared on my credit report I called XXXX XXXX to enquire why? I was told that this item was related to a computer that was ordered. The employee at XXXX  XXXX told me the computer was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have no affiliation to that address, neither did I order a computer. I called and wrote the creditor repeatedly asking that they remove this item from my credit report and asked them send me proof that this account was opened by me, but they refuse to respond to my request. I did not authorize this account, neither have I ever personally ordered any item from XXXX XXXX.