23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Stellar Bank that used to be Allegiance Bank have reported wrongly to credit bureaus, As you can see on attachment their webpage always show my Due Date is been the XXXX of each month, for example as of today that my next payment due date is XX/XX/XXXX that mean that if I pay more than 30 days late ( as they reported on credit report agency ) these will be after XX/XX/XXXX and these should repeat consequently, as I can probe on all these attachment all my payment have never past these 30 days window, actually on XXXX ( see attachment ) they have reported XXXX to be 30 days late ( when is not ), also they put NO DATA FOR THESE PERIOD? in XXXX but they also Put XXXX payment to be paid on time? when my payment for XXXX have not even been Due until XX/XX/XXXX, to make these even worst in XXXX they have reported as I am 60 days late in XXXX and XXXX, ALSO ANOTHER HORRIBLE MISTAKE
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$8500.00} to a network of scam artists by XXXX linked to my Citibank checking account. First I sent {$5000.00} to a scammer by XXXX on XXXXXXXX. I sent another {$3500.00} by XXXX to the same scam network on XX/XX/. I gave names and phone numbers of XXXX individuals who I sent the money to. I told Citibank to contact the banks where the scammers had the accounts to which my money was sent to, identify the owners of those accounts and have the receiving banks to close the accounts to prevent other people from getting scammed, report the details of the fraudulent transactions to law enforcement and recover my money. Citibank told me that they did the investigation and they cant recover the money because I sent the money. I dont believe that Citibank contacted the banks where the scammers had their accounts and worked together with the banks with fraudulent accounts to find the scammers and reported the scam to law enforcement. Citibank also promised to mail me the details of their investigation, but they never did. I didnt get any useful information from the bank and they didnt refund the {$8500.00} that I sent to the scammers.I also contacted XXXX and they did nothing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called XXXX and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, Experian and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX* Balance : {$110.00}
Product: Debt collection

Debts that are not mine are reporting to my credit as a collection.
Product: Money transfer, virtual currency, or money service

case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

This debt collection account that was brought from XXXX  XXXX illegal because PORTFOLIO RECOVERY ASSOCIATES LLC is an unauthorized third party for the consumer credit transaction. They at the moment have my personal information which I didnt give them authorization to have. And I requested a debt validation but they didnt provide it and they were supposed to cease collection of this alleged debt. Im here now to involk my rights as a consumer pursuant to 15 usc 1692c. I refuse to pay this debt.
Product: Checking or savings account

On XX/XX/XXXX, my debit card ending in XXXX and attached to my Bank of America XXXX XXXX account was charged with 3 fraudulent charges totaling {$230.00}. I called Bank of America and reported the fraudulent charges and they credited the 3 charges while the fraud claim was investigated. 

In XXXX, the Bank sent me a letter stating that 2 of the charges were found to be fraudulent and credited me {$140.00}, but a 3rd charge for {$89.00} was determined not to be in error by the " merchant '' for a product I never ordered and never heard of. I called the Bank and told them I didn't agree with their findings. All three of the charges were fraudulent. The bank 's claim department stated the " merchant '' showed proof by showing that I agreed to the " merchant 's '' Terms & Conditions, gave my credit card number and there was a USPS tracking number and a phone number for the " merchant 's '' customer service line.

I went to the USPS tracking website and entered the provided number. It shows something that was shipped 2 weeks prior to the date of the charge. It also shows something delivered to XXXX, NC, but provided no delivery address. I also tried calling the customer service number only to get a recording that the number was not in service. 

When I called and wrote back to Bank of America about these 2 obvious false claims, their response was that I needed to send more proof that I didn't place the order for this item ( Keto supplements ). I asked if the Claims reviewer checked on either of these 2 obvious errors but they didn't have any information about that. I told them that I couldn't prove to them a negative since I never a ) visited the website, b ) ordered the product nor c ) approved the Terms & Conditions. What I did do was I reported the charges the day they were fraudulently made to my debit card. The Bank initially credited my account but then allowed the charge to go through after my initial report and follow-up rebuttal.
Product: Credit card or prepaid card

I mad a purchase at a XXXX store for about 135.00, return back the next day and attempted to make another purchase for XXXX the transaction never was approved by my bank .... My card kept declining and I had to call customer service who then connected me to the fraud department to verify it was me making the purchase..I did and they tried to override the system for the payment to go through but It never went through on XXXX end. I then found out that a payment I made to the credit card account was returned from my bank and in attempt not to have a negative balance I returned the XXXX purchase that was approved. my account is now showing over the limit by XXXX plus additional fees the credit card company has accessed to it. It's showing over the limit because of the XXXX charge they are stating went through but was declined numerous times at the store.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Product: Student loan

MOHELA is my student loan servicer : On XX/XX/XXXX I applied for the XXXX XXXX repayment plan and MOHELA notified me in XX/XX/XXXX that they denied my application because it was too soon as my account was still reflecting " in school '' status, although I graduated XX/XX/XXXX. I was directed by MOHELA to reapply in XX/XX/XXXX. I reapplied XX/XX/XXXX and MOHELA 's records show receipt on XXXX According to representatives MOHELA processed and approved the application XX/XX/XXXX and my XXXX plan has a {$0.00} payment obligation. On XX/XX/XXXX MOHELA billed me {$150.00} under the " XXXX XXXX. '' When I questioned the bill agents told me to disregard, and that they ( MOHELA ) would correct the bill to reflect my {$0.00} obligation. As of today XX/XX/XXXX I am receiving collection notices and my account reflects a past-due amount of {$150.00}. My numerous attempts to get MOHELA to make this correction have failed.
Product: Debt collection

I contacted them first, stating i will take care of this when i am able too and I updated my current information with them. I was going to set up a payment plan with them but a very pushy woman wanted me to pay in full at the moment, which i could not do. She then called my work, I told her I can not speak on the phone at work, if this place ever calls my work again I will take legal action on them. They call me repeatedly during the day to where it is harassment. It got to the point where I had to start blocking them, but they would call me under different numbers. They have became so harassing and pushy that I have been ignoring the debt. I did contact them first to get it resolved, but now after this I will go thru the company I owe the debt to personally and pay it. This morning they called me at XXXX, XXXX, XXXX, and its only XXXX now! I cant imagine how many more times they will call today! I will end up blocking this number as well! I know they will find a new number to call me on though! I work full time and to get these many calls during my work day is awful! I will take legal action on them if I need too!
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED THAT THIS ACCOUNT DONT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of. My information was not investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this issue has caused alot of errors an denials. this has been an ongoing issue that needs to get cleared asap. checking the data listed nothing is correct on all report. review an remove all listed items asap to clear my credit report.
Product: Credit reporting or other personal consumer reports

i keep getting an error that states " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. '' i have been denied an auto loan by a credit union and a personal loan by a different institution because they haven't been able to verify my identity because they cant access my credit report from equifax. 

i contacted equifax by phone over a month ago and they sent an email to the technical team but nothing has been resolved. i hace called the call center again and they told me that there is nothing they can due till the issue is resolved. this is affecting my financial well being and i am in the process of contacting a consumer law attorney.
Product: Credit card

According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Bank of America, and Bank of America. It has been more than 6 years for each of the accounts. I want them removed.
Product: Money transfers

I transferred money using PayPal to another account holder in the US. The recipient then asked that I do an ACH transfer instead and cancelled the PayPal transfer. I checked and saw that the PayPal debit had not yet gone through and so I sent the ACH transfer. Later that same day, the PayPal debit still went through, which overdrafted my checking account. Eventually, that payment was credited back to my checking account, I complained to PayPal about the overdraft fee, and they refunded it to me. 
Now, 9 days later, I see that PayPal has again attempted to make the same payment which was cancelled, again overdrafting my checking account, and again causing my bank to charge me a fee. This payment should never have been tried a second time, and if it was going to be tried a second time, I certainly should have been notified of this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 accounts 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 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 or other personal consumer reports

FEB DESTINY is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Product: Mortgage

On XX/XX/2020 I was working and when I returned home my home had not only been burglarized but also set on fire. I am a victim of Arson and Theft. Currently XXXX XXXX is working with me and are completing their investigation. All I am asking is for time so that I can get the money from XXXX to pay for the repairs and bring my mortgage loan current. I have asked for help from my lender. I have asked for alternative to avoid foreclosure as a homeowner in California. However my lender has refused to provide any type of alternative to foreclose. The only thing my lender, XXXX XXXX, XXXX keeps doing is informing me through their servicer that they are foreclosing on my property. I have provided the servicer, FCI, and the lender, XXXX XXXX  XXXX all of my supporting documents and neither once has bothered to explore options to help me avoid foreclosure. They are moving forward with the foreclosure. Furthermore with the Covid 19 pandemic my cash flow has been up and down. Now that the state of California is re-opening I am hoping to start making money. All that I am asking XXXXXXXX XXXX XXXX and FCI is to assist me with avoiding foreclosure.
Product: Vehicle loan or lease

Lender charged interest rates at 25 % the car after taxes & fees were $ XXXX plus interest at 60 months $ XXXX to a total of over $ XXXX. The lender did not notify me that they have rejected the title from the dealer as it has been almost 60 days since purchase of the vehicle. The vehicle had XXXX miles at purchase but the contract said XXXX when I informed them the dealer didn't apply the proper mileage on the paperwork they did not try to rectify the issue. Lender is working with dealer in deceitful practices to trap me with a vehicle that title has yet to be found.