23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Ok on XXXX I received my taxes on PayPal then I sent XXXX To my wife 's PayPal account then the same day I withdrew XXXX  XXXX .Then I recieved a email saying that I had to verify my information and I sent my driver 's license to them complied with all their requests. So the tell me I can get my funds in XXXX XXXX So that sunday they sent me a email stating that I can no longer use pay pal and I have to wait 180 days to get my money. I used the XXXX XXXX to buy my wife a car I've never committed any type of fraud or suspicious behavior. This was me and my family 's stimulus money from the government and they have really put me and my family in a hard place. I've called them and sent appeal letter I really need your help theres no way by law they can hold our money that long. We had not got any money for stimulus during this whole pandemic till XXXX. Please resolve this for us.Thanks.XXXX this is my reference #
Product: Debt collection

Leaves voicemail daily on cell phone, does not identify who they are or where they are calling from, uses threating tactics that a complaint has been filed against me.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

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


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The Company Im Disputing is XXXX, Transunion and XXXX! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response
Product: Checking or savings account

I was XXXX on XX/XX/XXXX and I was XXXX to XXXX  years in the XXXX XXXX XXXX XXXX XXXX  XXXX. While I was XXXX, my house was robbed and among the stuff that was stolen was my wallet with my bank cards and my cell phone. Upon my XXXX, I checked my bank statements and I noticed several unauthorized charges to my account. I immediately notified my bank and started the dispute process on XX/XX/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  I have provided documentation of my XXXX and my XXXX  paperwork proving that I could not have made these charges and I did not authorize these charges. It has been over XXXX days since I filed the dispute. Every time I call to get an update, they tell me they will escalate my dispute and i will be contacted by someone on the escalation team but no one contacts me.
Product: Debt collection

Bank of America, XXXX XXXX and XXXX still harassed me about these accounts. Sent my personal info to another company to harass me for money not owed. These actions indanger my welfare and wellbeing of my family. Due to 15 USC 16G Law all negative items on my credit report are to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in 2024, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health. 

2. Failure to Provide 1099-C Forms : Neither XXXX XXXX, XXXX XXXX, nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations.

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX, XXXX XXXX, and XXXX  XXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Four different collections opened in XXXX and early XXXX of credit cards totaling around {$2000.00} combined then Im asking to have removed from my report under collections. Theyre all close to seven years but I believe in West Virginia my attorney said its five years I like to have these removed from my credit report, please thank you.. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

which ever the bank name you are these days is showing MULTIPLE charge offs. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid. Your information is incorrect in ALL THREE BUREAUS. They must be the same. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have no knowledge of this account and it shouldn't be on my account. 

The above complaint was sent to Experian on XX/XX/2022 and it is currently XX/XX/2022 and their investigation is still ongoing. According to the Fair Credit Reporting Act if an investigation takes longer than 30 days the disputed information should be removed.
Product: Mortgage

In XX/XX/XXXX Carringron Mortgage Conoany reported my mortgage account as being 30 days late. I was bewildered because my account is on a bi-monthly payment plan that pulls funds from my account on the XXXX and XXXX of the month for the applicable months payment. When I went online there was no indication that the amount was not paid because the payment status appeared up to date. When I called and inquired they indicated that a payment on XX/XX/XXXX was not processed and returned by the bank. I mentioned I was unaware of this and did not receive a call or any communication indicating the payment was returned. They indicated the payment was unable to be pulled until XX/XX/XXXX which was 30 days late. I dispute this account because I was not made aware that the payment was not pulled as the account status appeared up to date. Additionally, the bi-monthly payment plan makes the mortgage payment into on the XXXX of each month which means a payment on XXXX would not have been 30 days late. Lastly, there is no documentation that describes the payment requirements, etc. when on a bi-monthly payment plan so this reporting is predatory, unfair and extremely harmful. I have paid my account on time for nearly 3 years and have never had this issue. I signed up for the bi-monthly payment plan in XXXX ; however, based on the ambiguity in the requirements, payments, etc, I have opted to cancel this plan. I am requesting accurate reporting of my payment history on this account.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to the American Express website and saw the Gold Delta Skymiles card. Along with it was a sign up bonus offer. The offer stated that if you spend {$2000.00} within the first 90 days you would receive XXXX bonus Delta Skymiles. Then if you spend an additional {$1000.00} after that within the first 90 days you would receive and additional XXXX bonus miles - totaling to XXXX bonus miles. I immediately called in to apply for the card over the phone and verified that this offer was still valid. I was told yes it was and if I got approved I would receive it as long as I meet the spending criteria. I was initially declined for approval and then asked for reconsideration. The application was approved on XX/XX/XXXX. Within the first 30 days I had already met the {$2000.00} of spending. And now I have met the additional {$1000.00} spending also. On XX/XX/XXXX I received a bonus of XXXX miles instead and immediately called into to American Express to let them know this was the wrong amount. They opened up a case investigation for me and gave me a Case Number of XXXX. They stated that bun XX/XX/XXXX the case would have a decision. I called in today ( XX/XX/XXXX ) and was told they still dont have a decision.
Product: Payday loan, title loan, or personal loan

So when I called Navy Federal Credit Union about paying on my loan they told me I had three loans with them and I only have one that I got merged in XXXX or XXXX maybe XX/XX/2019 around that time and I havent made a payment because their asking for more than my payment was suppose to be and thats like {$250.00} and I was planning on giving them {$500.00} to be back on track with my loan. I just want to know how do I have three loans with them? Or find a solution that I can work with paying them their money! Or I wont pay at all for the misunderstanding or disruption with my only loan I have with them. Thank you ...
Product: Student loan

I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. 

Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. They failed to provide any. 



Thank You for looking into this issue.
Product: Mortgage

I applied for refinance my home. The Loan Estimate gave me on XX/XX/2020 is {$6500.00} for Origination Charge. However, when the loan closed on XX/XX/2020, they change to {$9300.00}. They did not tell me it changed. When I read the loan fee, I complained to Mr. XXXX XXXX. He forced me to sign or he cancelled the loan. It takes more than 1 month to do the loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victim of a sim swap. It was a hacker attack, the hacker accessed my acct and took out about $ XXXX {$50000.00}. When I realized about this I contacted Coinbase right the way. The only way to contact them was through email, and it took a couple days before they answered, but didn't take any steps to stop the attack, to block my acct. They had an option to block the acct over the phone but even that was not working, because I did it. Just a few days later I saw 2 transactions into my personal banking acct of {$1000.00}. So not only that the hacker took the $ XXXX {$50000.00} from my acct, he tried to get more from my bank acct that was linked to the coinbase acct. 
On XX/XX/2021, I read the news all other that Coinbase is reimbursing the funds to the victims of the hacker that used the 2 factors authentification system, including the sim swap cases, from XXXX to XXXX. My situation happened on XX/XX/XXXX so immediately after this period. Coinbase refuse to reimburse me saying that my email is not on their list. So please help to clarify this situation, since they assume their fault in all this hackers attacks but they refuse to reimburse when I have this exact situation. 
Thank you
Product: Mortgage

In XX/XX/XXXX both my wife and I were diagnosed with XXXX and I ended up in the hospital, where for the XXXX few hours they did not know if I was going to live. I survived and was out of work and on XXXX for 4 months. During this time Rushmore placed us on a Covid Forbearance - which I will point out we did not request - it was offered until I could return to work. I returned to work on XXXX and attempted to begin paying my regular payments. The payment was returned along with a separate right to cure notice demanding the full amount be paid. I told them I could only begin paying a payment each month. They then put us on another forbearance to XX/XX/XXXX and then without our knowledge extended that forbearance to XX/XX/XXXX. All on the premise we are still waiting on your decision for a loan mod. I provide all the documents they required after going thru all that they tell us we have been denied a loan mod in their letter dated XX/XX/XXXX and must do a short sale or foreclosure. We are now so far behind because of their actions that we may not be able to recover and face the stigma of a foreclosure and being forced out of our home. Instead of just 3 payments behind we are now 7 payments behind because they would not let me start paying in XXXX like I told them up front I could do. We feel mislead by this whole process and seems like a veiled attempt to force our family home into foreclosure. Please help us I do not of anywhere else to turn too!! I did not attach any of the companies letters as they have copies of all of them. The modification denial letter is very confusing and the reason for denial make no sense. For exampled they listed {$0.00} income for us. I work and make {$63000.00} annually and my wife has been drawing unemployement plus pandemic pay of $ XXXX here in Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.
Product: Checking or savings account

I opened an account with TD on XX/XX/XXXX. They were advertising a new account bonus of {XXXX} if you met the terms of the promotion that was then in effect. Twice I messaged TD to inquire about the bonus, which they never deposited. On XX/XX/XXXX and XX/XX/XXXX, reps from TD confirmed that I was eligible fo the bonus but told me I had to wait 140 days from account opening. On XX/XX/XXXX ( 140 days ) I messaged again, and they told me that I had been excluded from the promotion because I once had a TD account several years ago. I messaged back on XX/XX/XXXX, to remind them of the terms that were advertised when I opened the account. These terms state that the " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' ( see attached ). I did not have a TD account of TD relationship in the 12 months prior to opening this account. Now ( XX/XX/XXXX ) I have a new message from TD claiming that they didn't pay because I didn't meet their deposit requirements ( I did ). Each time I have messaged them they have moved the goal posts. It seems they will never run out of excuses for not making good on this offer. I'm very frustrated and at this point I'm out of patience.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is asking for a {$390.00} payment in a debt owed to the school. In the report it shows I was awarded a Pell Grant as well as the Millennium scholarship. Both were more then enough to pay for books and school the whole first year. With classes enrolled to take in 2017 I dropped out of school before the start of the year. So there's no reason for there to be a charge for no appearance in school activities, or to come seeking payment from me when I'm 100 % covered by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, XXXX and Experian ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for an extension of my right to credit in good faith with the XXXX XXXX through XXXX XXXX XXXX ( online submission ). 
On XX/XX/year> I, embarrassingly and discouragingly, was denied my right to credit. 
On XX/XX/year> XXXX XXXX emailed me a portion of its response in response reference number : XXXX. This response did not provide me Equal Credit Opportunity Act disclosures nor a copy of the report from TransUnion in which XXXX XXXX allegedly consulted with to deny me my right to credit. 
On XX/XX/year> at XXXX I called XXXX XXXX  at ( XXXX ) XXXX and confirmed my personal identifiable information with agent by a fictitious name of XXXX XXXX He then transferred me to XXXX. XXXX also confirmed the last XXXX of my Social Security Number. I requested the end user report from TransUnion in which XXXX XXXX  denied my right to credit with, to which XXXX said they don't have it and for me to call TransUnion. I reiterated to XXXX, So you don't have the report used to deny me? She again said no and restated to call TransUnion.
Product: Debt collection

Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute unauthorized or inaccurate hard inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : 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  According to the Fair Credit Reporting Act ( FCRA ), credit inquiries should only appear on my report with my explicit consent, typically when applying for credit. I do not recall authorizing these inquiries, and I request that they be removed immediately. 

Please conduct an investigation and provide verification of these inquiries. If the companies listed can not provide proof of my authorization, I request that the inquiries be deleted from my credit report. 

Enclosed are copies of my identification and supporting documents ( if applicable ). Please update my credit report accordingly and provide written confirmation of your actions. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX