23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial Protection Act specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I sent payment of {$370.00} on XXXX XXXX for an item. I never received item. XXXX could not help because I sent it PayPal. I put claim in with PayPal and they said the seller told them it was delivered. I have tried numerous times to talk to PayPal because I need info of where it was sent, when it was delivered so I can put in a claim with XXXX or XXXX. The seller has loses his account with XXXX and change his email. I believe it was never sent but somehow they got away with saying it was delivered even though when I checked tracking it haven cancelled. I want my money returned by seller or if it was delivered it was stolen and I cant find out anything to put on claim. 
Order number XXXX XXXX XXXX tracking XXXX. 
Its frustrating I can not reach a person on PayPal. I tried everything. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Seller was XXXX XXXX on XXXX. Closed his account. 
Ordered XXXX XXXX, XXXX sent to XXXX  XX/XX/XXXX and from there nothing. 
My email is XXXX. Thank you.
Product: Credit card or prepaid card

I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored me.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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. 

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!
Product: Credit card or prepaid card

On Monday XX/XX/2021, I called Avant credit card customer service representatives to request a letter of debt validation showing a XXXX balance on my account to present to a mortgage lender so a rapid rescore of my credit can be done. I was advised that it will take 24 hours for the documentation of my payoff with Avant to come via email. After 24 hours I called back to Avant to request the same information that I never received. Upon talking to the representative on XXXX XXXX, approximately 24 hours after my first original call, I asked to speak to a supervisor concerning the urgency of the letter that I requested. Two hours went past and no supervisor contacted me as the rep stated they would. I called back to the company demanding I speak to a supervisor concerning the matter I presented. The rep tried to take my telephone number and told me a supervisor will call me shortly, but I refused to hung up without speaking with one. Thirty minutes into the call after being on hold, finally a supervisor was able to speak to me. I was told that by the end of the business day I will receive the information of my balance payoff I requested but I still did not get the email as promised. Today, XXXX XXXX I called back to Avant and demanded my information. Once again, I was told it would be sent to my email by one hour. Three hours later, I called back to Avant to complain of still not receiving this vital information that is needed to move the process along for my home mortgage loan. I even advised Avant that I was not wishing to close my account but I needed proof of my payoff balance and my current information so the lender can proceed to take the next steps to get a rapid rescore done. The information needed is very important and can hinder the process of my loan. As a consumer, it is my right to such information as far as my account with Avant and the company has been no help with obtaining this letter. On XX/XX/2021 I requested the same information and had no problems with getting this letter. I do not understand why Avant is withholding my information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND Experian is reporting erroneous information. The mortgage account is a commercial loan and needs to be deleted immediately the erroneous information is creating possible irreparable damage.
Product: Mortgage

I have had a very difficult time with Mr Cooper. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mr Cooper always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX US Veteran and can afford my mortgage. I need a modification to place the past due payments back into my loan and save me from a foreclosure. If the payment stays the same or goes up a little bit is ok.
Product: Debt collection

I paid off a settlement payment for this account. The collection company agreed to the settlement payment but now its showing up on my credit report as a balance. This settlement payment was made on XX/XX/year> of {$370.00}. Now its showing up as I owe {$420.00} when it was an agreement of settlement to pay and deletion. They are reporting inaccurate information due to this account already being settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing this account XXXX with the wrong contact information I contacted the company they claim owns this account and is reporting and they have no record of that account in there system and experian refuses to remove this account which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit freeze on my account due to identity theft. TransUnion charged me {$5.00} to temporarily lift the freeze ( which is free with other companies ) from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I received a call from the bonding company that they were never able to access the credit report onXX/XX/XXXX. They tried 3 times. On XX/XX/XXXX I  called to have the freeze temporarily lifted again and they insisted that it was state law that I pay another {$5.00}. This can't be the case since at least one other agency does it for free. It took 45 minutes of my time dealing with 5 different people ( Unknown operator # 1, then XXXX XXXX, XXXX, XXXX, and finally XXXX ), 4 of them being " supervisors '' to get this settled. This should not take 45 minutes on the phone nor should they lie about the fee being state law.
Product: Mortgage

Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter. 
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard. 
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later. 
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co signer on a Honda lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted Honda for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report as been showing a collection from  XXXX   XXXX , Account number starting in  XXXX  witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same  Company n ame,  XXXX   XXXX .
Product: Credit card

Good afternoon. On XX/XX/scrub>XXXX  I extended my credit to Celtic Bank to which they asked for my bank account in order to be considered in order for me to obtain the account I extended credit to. After which I was denied access to this credit and I called the phone number on file. The first agent told me that my application would be deleted and I asked for something in writing. He then put me on hold and after about 10 minutes the call was disconnected. I then called again and spoke with another agent who directed me to an email address for reconsideration to which I was disconnected for the second time. I am aware that in trying to gain access to my credit it good faith and being denied is discrimination and can come with criminal liability.
Product: Debt collection

While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Product: Credit reporting or other personal consumer reports

I disputed incorrect errors many times for the last 2 years. I disputed errors at least 5 times in XXXX. I BEEN TRYING TO BUY A HOUSE. NOW THEY SET ME DOCUMENTION ON MY CREDIT REPORTS XXXX, XXXX, XXXX IT LOOKS BAD..My reports still shows errors of my loan not being paid the last time I checked WITH EQUIFAX. I paid it off early as I do with all my bills. PAID OFF XXXX LOAN EARLY. Always under 30 % ratio compared to the nation. The last 1 1/2 YEARS I had to pay medical, food and car repairs, MY BILLS WERE STILL PAID ON TIME. MY MANAGEMENT OF PAYING MY BILLS IS GREAT COMPARED TO THE NATION, WHICH I AM SORRY FOR THAT. NO MATTER HOW MANY TIMES I REPORTED THE ERRORS NOTHING WAS DONE. EVERYTIME NOTHING WAS DONE. OVER 2 YEARS OF NO PAYMENTS OF XXXX XXXX XXXX CARDS WERE POSTED WITH BIG PYMTS. THIS IS SO WRONG I HAD PROBLEMS BUT MY BILLS WERE PAID ON TIME, MY BANK STATEMENTS SHOWS THIS FOR EVER. I WOULD LIKE THEM TO GET A BLACK MARK ON THEM SINCE THEY DID THIS ON PURPOSE TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

i already file a complaint about this trough you couples months ago and you send me positive response from the company saying they will delete the inacurate late payment on my account ( see attach ), i call them before to let them know that it still on my account and they said it will take time to disappear ( that was 4 months ago ), i call today and ask to talk to a supervisor which was XXXX after explaining everything he transfered me to a special department supervisor and her name was XXXX and she said she can not go by cfbp either i have to send a proof or me or she will call the company then i need to call wenesday for follow up??
please assist why do i have to go all trough this, i will appreciated if the company can do a play back about our conversation.
Resolve case id # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a dispute to remove inaccurate personal information such as names at least XXXX different variations and or innaccurate names are listed, addresses at least XXXX differnet addresses and or inaccurate addresses are listed and phone numbers that LexisNexis was furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one as before. The reinvestigation results don't say which personal information it pertains to but I will attatch photos for you all to see. On XX/XX/XXXX I initiated another dispute to again remove inaccurate personal information such as names, addresses and phone numbers that LexisNexis is furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one from the previous XXXX. I called and asked why do they continue to furnish inaccurate personal information when I asked XXXX for it to be deleted I was told it is nothing they can do but for me to put in another dispute. I don't know what thorough investigation they are conducting but they continue to furnish inaccuate personal information and it makes me very uncomfortable that they refuse to delete it.
Product: Credit card

When I asked for proof of the spa package refund and service charge, I was told to reference my app. I checked the app up at XXXX a.m., and it only showed a reference to the refund for the prepaid amount and credit. For {$48.00} for the hotel service charge. It was supposed to reflect on my card plus the applicable tax within XXXX business days. The front desk agent claimed they had already processed it and it was up to my bank how long it took for it to show up on my credit card. 

Apparently, that was all lies. 

Corporate Address Capital one Financial Corporation XXXX Capital One XXXX XXXX XXXX  XXXX Case number XXXX Original charge XXXX The company that charged me is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, administrator and holder in due course for surname given XXXX XXXX XXXX XXXX have contacted EQUIFAX about the removal of following accounts and inquiries that is reporting on XXXX XXXX XXXX XXXX consumer credit report. Pursuant to 15 USC 1681 XXXX a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is in direct violation of privacy.