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

My account with ( XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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, ) 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, credit repair services, or other personal consumer reports

I sent my information to XXXX Equifax and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. TRANSUNION and XXXX XXXX  is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Student loan

I have been repaying my student loans since I graduated in XXXX through the Income-Based Repayment Plan ( IBR ), which requires annual recertification and submission of documents to demonstrate my income, upon which my payment is re-calculated annually. My student loans are serviced by Nelnet and are due for re-certification on XX/XX/XXXX. I attempted to recertify on XX/XX/XXXX through their website, at which time I received a message that I was ineligible for the IBR and to call the servicer. I called and was told that my income is too high to qualify for the IBR and instead, I would need to start paying in a standard term repayment plan, which would cause my payments to be approximately {$1400.00} per month. They are currently {$280.00} per month and I can not afford an increase of more than {$1100.00} per month. Moreover, my income has not changed significantly to warrant such a high payment, and my eligibility should not have changed either, as the IBR only requires a partial financial hardship ( which a standard repayment amount would be ). I advised that this could not be correct and was placed on hold for a length of time so the person I was speaking with could confirm that what she told me was correct. After that time, she confirmed I was no longer eligible for the IBR but could articulate why, other than to say that my loans were no longer eligible but gave no explanation. I spoke with an account supervisor, who told me I was ineligible for IBR as well but that based on my income, my new payment amount would be approximately {$950.00}. He could not tell me why the amount was different or why my eligibility changed either, but then he re-ran the numbers, admitted me made an error in his calculation and that my new payment would be {$530.00} per month. During a 75 minute conversation, I was given three different payment amounts and no explanation for why I am no longer eligible for the IBR. I feel the information is incorrect and unsubstantiated but I do not know how to get good information or what to trust. I feel this is an annual occurrence with Nelnet and that they have no idea how to properly service my loans or provide accurate information. I am very concerned that they will deny my IBR re-certification, causing me to go into a standard payment plan that I can not afford and also causing my interest to capitalize, which happens if my payment plan changes. This will cause significant financial harm to me and my family if it happens and I am looking for help to deal with the problem.
Product: Checking or savings account

Hi, My name is XXXX XXXX XXXX. 
I saw Citibank is giving {$1000.00} bonus to keep {$80000.00} in for 90 days. 
I borrowed {$80000.00} from XXXX XXXX, he is like a father to me, he knows me since before I was born. 
XXXX XXXX just recently sold a house in XXXX XXXX, XXXX XXXX to be exact. 
XXXX XXXX got a Cashier 's check for {$80000.00} from his bank, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
He made it out to me, XXXX XXXX XXXX. 
We both went to Citibank together at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I opened an account with XXXX XXXX, she is the bank employee that opens accounts. 
Two weeks later approx. I was told the account is frozen by the fraud department. 
I opened the account on XX/XX/2022. 
I have the photocopy of the cashier 's check that was deposited and processed by Citibank. 
Ever since then Citibank has been giving me the runaround and telling me the check is being sent back to ME, to my mail address. 
Then after more phone calls must have called XXXX0 times, Finally now around XX/XX/XXXX XXXX approx,. 
I was told on phone that Citibank is sending me a check. 
Then on XXXX XXXX they say, no check for me. 
They say the money has to be reclaimed by the sender. 
The sender tried to reclaim at his bank, XXXX XXXX .XXXX said not possible because it was paid to Citi Bank XXXX Citibank is holding the money. 
On XXXX. We went to Citibank and talked to manager. He gave me runaround, did not resolve. 
We went a week later to a Citibank in XXXX XXXX and talked to manager, he said the check was sent back to XXXX XXXX  In XXXX. 
BUT I have a XXXX statement that Citibank has my money in a XXXX XXXX account in the amount of {$78000.00}. 
The check was {$80000.00} and I withdrew some money before they froze the account. 
So how can they say that they sent back the check, if money has already been withdrawn from it. 
XXXX XXXX went to XXXX XXXX  again in XX/XX/XXXX to ask if there's money for him sitting somewhere that was sent back from Citibank. 
XXXX searched and said no money was received from Citibank. 

Please help me get my money back.
Product: Money transfer, virtual currency, or money service

i used affirm a few times and have charged off balances with them. When attempting to reach them to resolve the issue they cant speak with me because i cant remember my old email or cell phone number
Product: Mortgage

I have made 10 attempts over the past 30 days to receive a payoff state from the lender so I can obtain other financing to cure this loan. The mortgage company is withholding this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint arises from incorrect reporting on my credit report. In the past XXXX years, Infiniti Finance has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to XXXX, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however Infiniti financie inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on XXXX XXXX and nothing was resolved. On XX/XX/XXXX I called Infiniti Finance to discuss the situation and it was discussed and reviewed that no payments were ever late.
Product: Credit reporting or other personal consumer reports

Dear XXXX, TRANSUNION, AND XXXX I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX  - **Account Number** : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

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

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX  and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Upgrade Inc is reporting an account on my credit report & I have never made any transaction ( XXXX ) with this company. While the burden of proof lies with Upgrade Inc, I am willing to pay any debt owed plus XXXX XXXX interest if Upgrade Inc will validate any evidence of a debt with an XXXX XXXX XXXX XXXX XXXX ( attached ) of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account 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
Product: Debt collection

For the past 3 months, I've been getting upwards of 10 phone calls a day from Allied Interstate regarding a group of private loans. Since my mother is a co-signer, she gets the same amount of calls, too. They come from both of these numbers : XXXX XXXX Because I work with a financial planner, I told the rep about two weeks ago that I would need time to download all of the information with her before deciding to move forward. Still, I am getting non-stop phone calls. They've also threatened to garnish my mother 's wages for payment without any explanation as to why or how they can do this. Upon further research, I discovered that this company is known for harassing customers and would love for them to stop. I've also asked them to at least decrease the amount of times they call a day and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, XXXX, and Transunion explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. XXXX has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so. 

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX  or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Transunion asking for my personal information to be updated. I enclosed a copy of my ID and a resent utility bill. All with my name and address. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, your ss card and ID. If you are a credit repairing agency, you have to have the person update thier own information ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. I should not have to repeat this same situation. Yet again I have had no update and they are still reporting multiple names that are incorrect, multiple addresses that are incorrect and Jobs I don't even know. This information is leaving me venerable to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH EXPERIAN AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.
Product: Credit reporting or other personal consumer reports

I would like these inquires removed from my report. 
XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT THAT NEED TO BE DELETED IMMEDIATELY. THEY ARE INACCURATE, UNVERIFIED AND A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE INACCURCIES IN THE PAYMENT HISTORY, STATUS DATE, BALANCES & DATE OF LAST ACTVITY BETWEEN XXXX, XXXX, & EXPERIAN AND MUST BE DELETED. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ) ( XXXX  ) ( XXXX XXXX  -- XXXX ACCOUNTS ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE IN THE DATE OF LAST ACTIVITY/STATUS DATE & THE PAYMENT HISTORY FOR EACH ACCOUNT LISTED. THIS IS A VIOLATION OF THE FCRA. EACH ACCOUNT MUST IN THE ENTIRE PAYMENT HISTORY FOR EACH MONTH MUST BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXXXXXX XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS )
Product: Credit reporting or other personal consumer reports

I am writing this complaint with absolute certainty and extreme frustration. The numerous errors on my credit report have severely impacted my life and credit score, preventing me from achieving financial freedom and stability. Despite my efforts, I continue to see inaccurate and unknown accounts that do not belong to me. It is unacceptable that these fraudulent accounts remain on my TransUnion report, especially since both XXXX and XXXX have already deleted them for being erroneous and fraudulent. Maintaining these false items is a blatant violation of my rights as a consumer. Additionally, my personal information appears to be incorrect, further contributing to these inaccuracies.
Product: Credit card or prepaid card

Last year I paid off balance on my Visa XXXX XXXX credit card in full. Due to mistake from online paying services fromXXXX  XXXX I still paid XXXX extra, eve though my balance was XXXX. So I called Comenity Bank and requested they send me a check for XXXX XXXX Refund. 
I never received that refund. I called again in XX/XX/XXXX and I was told they will send it end of XX/XX/XXXX. XXXX XX/XX/XXXX I called again and requested a check again. Again they give me run around. 
How long I have to wait to get my XXXX back? 
Is there any government agency that can make them send me refund check? 
They holding my money for 7 months interest free. When I carried balance they charged me XXXX percent interest. They can do anything they want while private citizen like me suffers.
Product: Debt collection

I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXXthrough today ( XX/XX/XXXX). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails,XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Product: Money transfer, virtual currency, or money service

My roommate sent me 500 for rent through cash app. When I logged in to cash out I noticed the money was stolen from me in increments. Cash app stopped the smaller transactions but the largest one for {$300.00}, from the same exact person, they claimed was not fraudulent. I tried several times calling cash app and they refer you to the app. I tried several times getting my money back in the app and no one helps me. Ive had an " investigation '' deemed not fraudulent and spoke with 2 managers via email, they refuse to call, that stated once they investigate there's nothing they can do but I can feel free to sue. I can't find a lawyer for this kind of thing. Since then they've deleted my account because I kept asking for a manager to call me. I filed a police report and was referred to the FBI. I filed 3 complaints with the FBI but they don't respond. I need my money back and no one cares.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX, I responded to a XXXX XXXX XXXX advertisement for XXXX XXXX Tickets. ( XXXX ID : XXXX ; XXXX XXXX   XXXX ). The advertisement was for 2 tickets for {$470.00}, based out of XXXX, XXXX. I was in XXXX, XXXX at the time but reside in XXXX, XXXX. The ad said to text them ( XXXX ) to set up the ticket transfer. They explained that they could accept payment through XXXX XXXX, XXXX, or in person. Unfortunately, in person was not an option for me, so I elected XXXX XXXX. They sent me an invoice from the account XXXX for {$470.00}, claiming that it was a typo from the agreed upon {$470.00}. I used my Discover debit card to pay the transaction at approximately XXXX XXXX on XX/XX/XXXX. After that point, I stopped receiving any text messages or other contact from the seller despite multiple attempts, including phone calls and emails as well. The payment went through on Monday XX/XX/XXXX and I still had not received the tickets or any further contact from the seller. I attempted to cancel the payment with Discover but they said it was too late and there was nothing I could do. I contacted XXXX multiple times to take down the post and they still have not done so. I contacted XXXX XXXX and was also told there was nothing they could do. I created a XXXX phone number on XX/XX/XXXX and contacted the seller and they responded saying that they had tickets available. When I confronted them about giving my money back, they stopped responding to that number as well. I filed a police report with the XXXX XXXX on Wednesday XX/XX/XXXX. I tried contacting Discover again on Friday XX/XX/XXXX to file a formal dispute over the transaction and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, and XXXX FCRA violation on my credit they put a discovery account that was removed back on my credit without notifying me