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

In XXXX, XXXX, being locked out of fairly new account, I was forced to make phone payment. Requested that total including fees be paid at time & was told it was and no additional fee would show, since process done by Customer Service agent. It did not and {$2.00} dollar fee grew into {$28.00}, bill did not go to correct address, and I was called to pay over 30 days later. Did so, went thru same assurances ( no additional fees ), & this happened 3 more times since despite numerous calls to Capital One/Michaels to remove /correct credit report, as recent as early XX/XX/XXXX. Emailed, phoned and written requests have still not removed this error being no fault of my own. This time, in early XXXX, they corrected the overcharged late fees ( {$28.00} ) on their own but has refused to even acknowledge or fix the damaged credit report. 
I request help addressing this and immediate resolution, since this has resulted in irreparable false credit denials, and was not my fault.
Product: Mortgage

Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.
Product: Credit reporting or other personal consumer reports

I called TransUnion yesterday after making a previous complaint from mailing in my dispute disputing the incorrect name reporting on my credit report, they told me the drivers license was illegible. You can clearly see them stalling to fix my name on my report. I am attaching a scanned copy of my license now, the FCRA requires them to report accurate information. They clearly are not.
Product: Credit reporting or other personal consumer reports

I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, Transunion, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.
Product: Credit card or prepaid card

I had a Capital One Credit Card to begin rebuilding my credit. I funded the prepaid credit card from my " Capital One Bank Account ''. After a couple weeks of charging the card, I wanted to pay the balance down. Not in hopes of using it soon, but to let it sit and help rebuild my credit. After making the payment, I noticed the bank account the payments were set to come from was an account i did not add. In fact, it was an older account I had years ago. An Account I have not had access to in literally, YEARS. After realizing this, I contacted the company to alert them to the error, Although an account that was listed, not added by me nor on my behalf. It was not even the account that was used to fund the card. Mind you, its a capital one bank account as well. So after telling whatever representative i was speaking with the account error, he did not help to cancel the payment, nor notate my account for anything I informed him of. And Yet again, I DID NOT ADD THE ACCOUNT AS A PAYMENT METHOD TO MY CREDIT CARD. So after a week, They closed my credit card account. I attempted to call, spoke with a manager in the fraud department. He informed me, the transaction was flagged as fraud. I did not attempt to make any purchases or anything with the card since the payment was attempted. I informed him of what occurred, which is everything I explained above. I have direct deposits with the company that comes from my employer, have been an investment client with the service. NEVER HAVE I EVER BEEN TREATED SO HORRIBLY BY A COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED
Product: Credit card

A few merchants made repeated and fraudulent charges to our credit card account with Capital One Bank. Despite multiple dispute filings, phone calls, letters, and good faith efforts by us, Capital One did not resolve the disputes. They did not Block merchants from making repeated fraudulent charges to our account upon our request, and aided merchants to keep billing more fraudulent charges. 

All the details/documents for these disputes were provided to Capital One in XXXX and XXXX. We have paid all legitimate charges that we made to our account in full to Capital One. Yet they did not remove disputed fraudulent charges from our account, They did not Close our account upon our request. 

When we refused to pay disputed fraudulent charges to our account, Capital One kept adding Late Fees and Interest Charges to our account, We also discovered that Capital One fraudulently charges interest on Paid Balances. This is dishonest and unfair practice by Capital One and must be investigated by US Commerce Dept. and US/CA Dept. of Consumer Affairs. 

Their Customer Service Staff is the worst in the industry, The entire balance ( {$1500.00} ) on our account is in dispute with Capital One. We have decided to never do business with Capital One again. 

Please investigate this matter and report it to US/CA Regulatory Authorities , as appropriate. 

Thank you.
Product: Credit reporting or other personal consumer reports

I was incarcerated in XXXX until XXXX of XXXX this account was opened in my name in XX/XX/XXXX before my release. I have provided all necessary documentation to credit bureaus a the company XXXX XXXX showing my proof of Incarceration at the time. Under FCRA laws 605 ( b ) identify theft laws .The credit bureaus did not block this information from reporting to my credit report, neither the required time length stipulated by law.The credit bureaus XXXX XXXX XXXX, equifax none of which did a thorough investigation of this claim of identity theft nor proved to do it by the time length given by the FCRA laws. I have submitted FTC report, police report, identification, SSN number, proof of incarceration from Illinois department of corrections, and account information about when opened.
Product: Debt collection

Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX
Product: Debt collection

The bureaus Inc has a debt on my credit report that says I owe them {$760.00} which was a debt I incurred to XXXX XXXX XXXX which I paid XXXX XXXX XXXX  for over 10 years ago. I can not contact the collections agency because they don't have a working phone number. Saying as the debt is over 7 years old and paid I want it removed completely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and XXXX  are reporting unverified collections accounts on my credit profile. I have no contract with any of the listed creditors below. I was not provided any existing contract or proof of this account belonging to me. 

XXXX XXXX XXXX Last reported : XX/XX/2019 {$1500.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1000.00} XXXX AND XXXX Last reported : XX/XX/2019 {$730.00} XXXX AND XXXX Last reported : XX/XX/2019 {$710.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX AND XXXX Last reported : XX/XX/2019 {$500.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00} XXXXXXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my non public information without my written consent. Per U S C Code 1666B and U S C Code 1681B and 6801 XXXX XXXX XXXX XXXXXX/XX/XXXX open lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my TRANSUNION credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, please assist me in getting an answer about why each credit bureau XXXX, XXXX  and Equifax have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.
Product: Credit card or prepaid card

My unemployment insurance card was stolen out of my mailbox and I have tried and tried to get in touch with the the benefits issuer but non luck. I was supposed to have 2 deposits each {$1400.00} in which equal to {$2800.00} which was unauthorized card use. I cant order a replacement card even though my card is stolen and not in my possession.
Product: Mortgage

I started talking to Rushmore home loans about a possible modification in XXXX of last yr because I was having trouble making the mortgage payment a 9 % interest rate. I am upside down on value and can not refinance without having to pay the mortgage down. By XXXX, no resolve had been made. They kept asking for updated financials about every 30 days and said their review process takes 30 days more. I got frustrated with waiting on their answer and contracted with XXXX XXXX who said they could negotiate a lower payment with Rushmore since my rate was 9 %. I had to go through the same process of submitting financials in XXXX, update in XXXX, XXXX and XXXX, when finally Rushmore has offered a modification to change my payments from {$1800.00} to {$2400.00}. How does this help me???? I am at a complete loss, because I started this process as a hardship request to lower my payments an stay in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX CARD 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 60 days 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 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 XXXX
Product: Credit card or prepaid card

I have a debt to pay to American Express. I had hired an attorney to negotiate a deal. This was due to Covid and my company closing. But I wanted to pay. 

Even though the deal was negotiated and a payment plan was in place. I broke my 401K to pay in full so they could discharge the judgment. 

On XX/XX/XXXX I spoke to XXXX XXXX who gave me instructions on how to pay my balance in full via a wire transfer. 

I immediately made a payment to XXXX account XXXX in the amount of {$4500.00}. 

Since then, I have been calling to clear my account. On XX/XX/XXXX I spoke to XXXX XXXX who told me I was given the wrong account number and to rest assume that the payment was made. He promised to call me back the following Thursday and I never heard from him. 

I was then sent to a XXXX on XX/XX/XXXX. Then on XX/XX/XXXX, I was handed over to XXXX XXXX. Who has yet to call me about this. 

I am now being told to call my bank and ask for the wire back. And that he will open a complaint. 

How does a company like Amex not know where a wire transfer is? 

I am really starting to think I have been scammed with this. I request that a supervisor or manager contact me at XXXX but never heard from anyone! I have sent them proof of full payment from XXXX with my statements Please help
Product: Credit reporting or other personal consumer reports

This company continues to report inaccurate information on my credit file about this collection account which the collection agency tried to sue me about but the charged were dismissed but the creditor still reports inaccurate information about this report and still says they verified this account which I know they have not done so because I asked them also to show proof of verification and validation about this account. I have proof that this account went to the court and docket shows dismissed.
Product: Credit reporting or other personal consumer reports

After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL ME!!!!!