23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.
Product: Credit card or prepaid card

This is my second complaint about the same matter. The first was XXXX. Both complaints are/were against Macy's/Citibank. The first complaint was filed on XX/XX/2023. On XX/XX/2023 Macy 's responded in writing admitting fault in a wrritten letter. Macy 's stated that it was totally at fault, apologized, and said it would correct the erroneous negative information with the three credit bureaus. 

I then joined a credit monitoring service through my bank, XXXX. Apparently one of the credit reporting services corrected the negative late pay and charge off information and my credit score improved slightly though the late pays still showed in my XXXX  score. 

After a month of no action by the other two companies I requested new credit reports and confirmed the negative information on two of the three reports. When I call XXXX I was told that not only had they received nothing from Macy 's to correct the negative information that Macy 's had submitted negative information as recently as XX/XX/2023, ten days after their letter admitting fault. 

These actions and erroneous reporting of negative information I have attempted to correct for nearly seven years. The only positive result I have received was when I filed my first complint with this agency, however the problem persists. 

Thanks again for your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted Experian to update/remove items and they did not
Product: Credit card or prepaid card

I have owned the Capital One Platinum Secured Credit Card since XX/XX/2019. I have not received a credit increase or serious consideration for an increase despite my account remaining in good standing. I have been denied several times. The original limit of {$200.00} was deposited by me. I have been charged the same 29.99 % interest rate the entire time. No consideration for difficulty during covid. Was charged and paid any late fees. Company states you are 'considered ' for an increase after 6 months of on time payments. By looking at my account statements I have met this criteria several times but have never been seriously considered for any increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Hard Inquiry Attempts with FTC Report and still not removed as of XXXX XXXX requests for 2 hard inquiry removals and Equifax had all documents and FTC reports that needed to delete. The confirmation # s given to me by representatives were assuring me the inquiries were removed. 100 % not true!! XXXX XXXX XXXX confirmation # XXXX XXXX - XXXX from fraud lightly hung up on me while requesting the inquiry removals XXXX XXXX confirmation # XXXX XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX XXXX XXXX - XXXX confirmation # XXXX XXXX - XXXX confirmation # XXXX then hung up on me when I asked again about blocking accounts due to identity theft as hasnt been done yet and has been a year. 

XXXX XXXX XXXX - XXXX hung up on me when I asked again about blocking accounts due to identity theft which hasnt been done yet and has been a year. 

XXXX The XXXX hard inquiries to be removed are 1 ) XXXX on XXXX and 2 ) XXXX XXXX on XXXX. Again, the FTC report is attached as I am a victim of Identity Theft. 

There is no excuse for this Equifax needs to be held accountable and theyre not. It came to my attention that I had a mixed file with Equifax up until XX/XX/2022 so the fraud alert I placed on all three credit bureaus didnt appear on the updated combined report for Equifax XXXX XX/XX/2022. These inquiries occurred after I placed fraud alerts with all three credit bureaus on XX/XX/2022. Remove immediately.
Product: Credit card or prepaid card

I called the Bank and asked them to close my account, cancel and shut down any of my files with them, send me an email confirm the full cancellation, and then to send me a check for my credit card balance ( i'd overpaid the balance just to be certain I had fully gotten it to XXXX   dollars ). They didn't send any confirmation and no check has since been arranged. 

I continued to receive mail from them. When I called to question them, they told me the account was closed and then they directed me to collections team. I asked them to cancel the card and send me a cheque, but continued to send me to collections. The Bank said they couldn't cancel anything, only direct me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing with reference to my XXXX XXXX from XXXX with XXXX XXXX serviced by University Accounting Service LLC, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by XXXX. I have tried to resolve this with XXXX, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, UAS took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, UAS changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while XXXX and UAS responded in form only. When I call to follow up on my written complaints, XXXX insists that they can not do anything and it is all in the hands of UAS. UAS tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly ( no one has done this over the course of several months ). My most recent written dispute in this matter with XXXX  was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that UAS continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that UAS purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.
Product: Debt or credit management

OK so up did not know this, but I was paying Lexington law firm to fix my credit and they never did nothing. I paid them for almost XXXX XXXX years and I think it was {$100.00} a week. I don't feel like this was right and I've been burned by these big company 's i Don't feel like it is right in my XXXX and I have XXXX kids that I have to take care of Please get back with me thank you Started services in XXXX ended services XXXX Company name was Lexington law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$34000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened  XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

According to the credit report this was opened in XXXX XXXX. My son and I went to the XXXX XXXX store because they had a promo at the time. It was a buy one get one free phone and a {$300.00} gift card. We chose our phones and went home. My son 's phone was defective so he returned it.The replacement phone came in the mail but it was also defective and it took them a while to send it to him. The gift card was not issued even after a couple of billing cycles passed. 
At this time, I decided to just return both phones to the store and not pay the bill. EOS CCA, claims that I should pay {$1200.00} as of XXXX, XXXX. The last time I told the collection agent that I will not pay that amount since we returned the phones and I never received the gift card as was promised. 
I would like help in resolving this matter because I consider it false advertising for defective products.It is
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA the company knowingly reports the wrong information on my credit profile. Experian has a grave responsibility to report accurately on a consumers profile but they don't, I continuously sent in letter after letter and Experian keeps ignoring my demands as a consumer. XXXX XXXX child support is beginning reported inaccurate because per 15 usc 1681e ( b ) and 15 usc 1681 ( 5 ) this account is in violation not reporting 100 % accurate it list child support as the furnisher that's forgery and misleading when the courts do not report this type of account. XXXX XXXX is a account that's reporting inaccurate as well it is reporting a higher limit then what was issued I only had a {$300.00} dollar limit but its reporting as I had a {$800.00} limit and that's misleading and forgery as well. This has been going on for over a year now and something need to be done
Product: Money transfer, virtual currency, or money service

I sent money via XXXX send, on XX/XX/2023 to my mother ( XXXX ) and immediately noted I sent the wrong amount. I called Tapatap Send within a few minutes to reverse the transaction. They told me they would escalate to their partner in XXXX to reverse the transaction. My mom received a text from XXXX saying they had held the funds up and later on the XXXX of XXXX, 2023, she received a text and a phone call from XXXX that the amount had been reversed. 

I called TapTap Send to get an update and they stated the amount has been used by the recipient so they can not refund the amount. My mom went to the XXXX office in XXXX to get an update from their side. They mentioned they had reversed the transaction and provided a reversal ID to be given to Taptap Send. I sent the reversal ID to Taptap Send and they stated they will escalate it again to their partners. 

I followed up only to be told their partner in XXXX has refused to refund the money as they have released the money to XXXX. Now XXXX is also saying they reversed the amount on XX/XX/XXXX. 

I do not have my money and the receipient does not have the money. Taptap Send has refused to work with their agent in XXXX and is sending me on a goose chase to get my money back. I am out of options right now and I am hoping CFPB can help me get my money back. I have been working with Taptap Send over a month now and still have not gotten to a resolution. 

Please see the details for dates and names below. I just want my money back. Please let me know if you need email chain or any documentation from me. 

Recipient ( XXXX XXXX ) Sender ( XXXX XXXX ) Agent ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 : Sent XXXX instead of XXXX to a recipient in XXXX Contacted Taptap send immediately ( less than a minute ) after I noticed I had sent the wrong amount by Phone. The customer service agent noted that the issue has been escalated. And followed up via email and the XXXX page to document the request in writing. 
XX/XX/2023 - The recipient received a text from the Taptap Send agent ( XXXX XXXX ) via text that the amount was pending a reversal. 
XX/XX/2023 : Followed up with Taptap Send customer service via email and WhatsApp message. 
XX/XX/2023 : The recipient received a text and phone call from XXXX XXXX that the amount has been turned to XXXX send. 
XX/XX/2023 ; The Sender followed up with XXXX and sent customer service via email and WhatsApp messages. 
XX/XX/2023 : Taptap Send sent an email saying the refund could not be issued and that the recipient had used the funds. 
XX/XX/2023 : Recipient contacted XXXX XXXX for a reversal ID XX/XX/2023 : Reversal ID is submitted to XXXX Send. Taptap Send responds with an email that they will review the refund. 
XX/XX/2023 : Called Taptap send for a status and was told that their agent in XXXX has refused to refund the money to them so they can not issue the refund, Their agent said they have issued the money to XXXX and the sender has to reach out to XXXX with a document they provided for the release of their money.
Product: Checking or savings account

For 20 years I held a free checking account at XXXX XXXX XXXX. Over that time I never accrued any fees of any kind. 

I moved away with an XXXX XXXX assignment a long time ago and since forgot about the account where it continued to never accrue any fee or charge of any kind. 

First Interstate Bank acquired XXXX XXXX XX/XX/2022. 

Without my knowledge and without any contact, the account held there immediately started accruing completely arbitrary and predatory {$25.00} fees for various reasons and now there is over {$230.00} in overdue charges. I only just learned about this because of a recent credit check I ran. 

Since I'm not in the area, I can not attend to this in person and there doesn't seem to be a way to remedy this amicably or close my account in an easy manner as I wish. 

Now they posted an 30 day overdue account to my credit report and my flawless credit took a XXXX point hit, all because they want to apply random fees and charges that were never part of my original account -- terms that I never agreed to nor was even made aware of.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ), Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The credior 's, inabily to truthkuly depict an obligation payment or cred! ' that.

was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. 
My consumer report states that each of the items below needs to be changed toreflect the agreed-upon payment. 

This is A Violation Under 15 USC 1666b. I Was incorrectly Billed.
Product: Credit card or prepaid card

Noticed numerous XXXX  transactions from my chime credit builder account dating back to XXXX ( XX/XX/22 ) The total of said transactions is {$1400.00} After calling Chime to dispute the unrecognized transactions/cancelling my card and ordering a new one, I was told Chime would need up to 90 days to investigate, I come to find that my dispute claim has been denied in under 3 hours.

I call chime and speak with a representative, who is unable to assist me and tells me that I should have received an email detailing the results of Chime 's " investigation '', but I had received no such email in either my inbox or spam folder ( I had received other correspondence from them just earlier the same day though about an upcoming banking holiday ). He told me that they can send the results of their investigation in a pdf but it will take up to 10 business days. 

I request for the explanation of denial and I also email them at XXXX requesting the same in the hopes to get this expedited. 

They have since sent the reason for denial and it is essentially a short paragraph that states " No changes to the account or personal identifying information took place during the disputed time frame, therefore their are not hallmarks of account takeover. Cardholder was in control of the account during the dispute. '' the last bullet on the pdf states " There are no fraud alert captured by our system before, during, and after the disputed transactions '' Their is no other explanation for denial present in the pdf they sent me. No provisional credit was given, the merchant was not contacted. The credit card is a XXXX and under XXXX 's zero liability I should not be held responsible for these unauthorized charges.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$690.00}.
Product: Debt collection

This debt belongs to the father of this child, court order stipulates father is owner of debt. This was put under the wrong guardian.
Product: Checking or savings account

On XX/XX/year> I initiated a payment of {$250.00} to XXXX XXXX through my XXXX XXXX XXXX XXXX 
The pay from account was selected to US Bank. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. I transferred {$300.00} from XXXX XXXX XXXX to cover the payment. I get the XXXX XXXX XXXX. 
On XX/XX/year> US Bank deducted {$250.00} ( Transfer to XXXX XXXX XXXX ) and Overdraft Fee of {$36.00}. Again I transferred {$300.00} from XXXX XXXX XXXX to cover the missing amount. 

I initiated a complaint of missing {$250.00} from my US Bank account. US Bank initiated an investigation and refunded my {$250.00} but my payment XXXX XXXX XXXX was rescinded and XXXX XXXX XXXX notified me of payment declined. 

My problem now is my account has been reduced by {$500.00} ( {$250.00} XXXX ) and refunded {$250.00} and my XXXX XXXX account payment reversed. I am missing {$250.00}. 

Please help.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX I paid Citibank {$1100.00} on bill pay on accident. I used to have an active account with Citibank but the account has since been closed. I clicked the wrong payee on my XXXX XXXX bill pay and mistakenly send Citibank the payment. 

XXXX/XXXX/XXXX I realized I paid Citibank instead of XXXX XXXXXXXX XXXX. I called Citibank to ask for a refund. I called three times and each customer service agent said they would call me back to verify my identity. I got one call back from XXXX XXXX XXXX XXXX but it only rang twice and I didnt get to the phone in time. ( called and spoke for 16 minutes, 5 minutes, and 11 minutes ). 

XXXX/XXXX/XXXX I called Citibank to follow up and asked to spoke to a supervisor. They told me they have no way to verify me and I have no avenue to verify myself, as I dont have the phone number I had when my account was active. They only verify identity through a third party phone number resource. I offered to send a utility bill, drivers license, or social security card and the agent said that they will not use that to verify identity. Because I cant verify my identity, they will not refund my money. ( called and spoke for 7 minutes, 59 minutes ). 

XXXX/XXXX/XXXX I called XXXX XXXX and had them call Citibank with me on the line. Citibank said I cant verify my account without a phone number that checks out with them. They dont have enough information to verify my account and it will remain locked. Citibank gave XXXX XXXX agent the fax number XXXX XXXX XXXX XXXX to fax proof of payment, she said 5-7 business days to receive refund. Supervisor is XXXX : XXXX is her identification number. XXXX XXXX guy XXXX ID : XXXX. ( called and spoke for 75 minutes ). 
This did not result in my getting a refund. I continue to receive bill statements from Citibank showing a negative balance of {$1100.00}. 

XXXX/XXXX/XXXX I called XXXX XXXX to follow up. They offered to try to call the customer service again. I opted to call the number for Citibank corporate ( XXXX ) instead. I was re-routed to a call center outside XXXX, so I hung up. ( called and spoke for 1 minute )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. GM Financial made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.