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

I have XXXX  credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX XXXX card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding XXXX as usual so they are not reversing the missed one which is impacting my credit history.
Product: Credit card or prepaid card

I have had issues with Citi Bank credit card 3 times since XXXX of this year. 

1. XX/XX/2019 -- my card was used for a lease in PA to obtain an apartment. One, I don't live in PA. Second, person that used it is not my name and do not know how they obtained my card which Citi cancelled and issues me another card 2. XX/XX/2019 -- there where three payments made that is did not make of XXXX, XXXX and? Which they closed it. I tried to explain to them and inform them I did not make those payments and had to send everything to XXXX  which had to correct it which then Citi overturned and reinstated since they realize I did not make the payment not could tell me whom made the payments as well as I did not authorize the payment. 

3. XXXX XX/XX/2019 -- same issue as XX/XX/2019 someone made a payment of XXXX which I did not make not could Citi tell me whom made it and closed account as well as I did not authorize payment of XXXX. 

I tied to inform them of this and XXXX from there higher up department made numberous counterdictions in her statement on the phone as well as their letters. I did mail a copy to your company along with a couple other issues for XXXX  breach which need addressed as well. She first told me that is was closed cause that their were too many new accounts open in my name that I did not open and or authorize. Then her second conversation she states it was closed because of the payments. Third conversation she goes back and forth between the first two stories of too many accounts open which is false and payments made which I did not authorize. I did mail you a copy of the letters and everything from XXXX til now from them that are counterdict each other and they can't answer questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company agreed to delete after paying settlement in full and have not done so only updated to paid in full.
Product: Debt collection

Hello- On XX/XX/2018 a collection item was added to my credit report this is what it looks like : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MA XXXX thats it, no phone number and no company name. How am I supposed to clear this up if I do not know who it is from? 
Please advise the best action to take. 
Thank you- XXXX
Product: Consumer Loan

I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony PayPal Credit refuses to remove a balance that was paid in full trough an settlement agreement. They agreed with the settlement but state even I do not owe this balance due it will remain on my credit report.
Product: Mortgage

Hello -- This complaint is in regards to a Loan originated with XXXX XXXX and then transferred to Mr Cooper mortgage servicing. Over the past two months, I have made a series of inquires about a principal reduction payment I made shortly after closing on this loan. 

Here is a summary of my case. 

- I closed on my mortgage with XXXX XXXX on XX/XX/XXXX. 
- Servicing of my loan was transferred to Mr Cooper in late XXXX or so. 
- I submitted a principal payment reduction in the amount of {$57000.00} from the proceeds of my home sale to XXXX XXXX. It was cashed on XXXX. 
- I contacted Mr Cooper 's customer service hotline on XX/XX/XXXX, after not seeing this credited toward my balance. I was told it would be passed to Research, but I never heard back. 
- I emailed the Research Department on XX/XX/XXXX. 
- On XX/XX/XXXX, the XXXX dollars in payments were posted to my account effective XX/XX/XXXX. The sum was split into a monthly payment ( XXXX ) + principal paydown ( XXXX ). The monthly payment was applied first, meaning the interest rates were not adjusted according to the principal-reduced amount. 
- Also on XX/XX/XXXX, I received a response stating that my concerns had been addressed and the payment had been posted. 
- I replied on XX/XX/XXXX with my complaint about the interest payments not being adjusted ( described above ). I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX, with a picture of the check. I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX. I received receipt-of-confirmation email. 
- I followed up on final time on XX/XX/XXXX. I received receipt-of-confirmation email.
Product: Vehicle loan or lease

I have been extremely frustrated at the handling of my account with GM Financial. They are penalizing me for an error they caused. 


Early in 2018 they notified me in writing of a payment posting error that caused a payment to be applied to my account multiple times. This made the subsequent billing statements be incorrect, and have an incorrect amount due on the invoice. 

I received a billing statement, and the balance it stated was due was paid on time. 


In XXXX, I received a letter dated XX/XX/2018 that stated the error from months before led to incorrect billing statements, and it encouraged me to contact them to make sure everything is current and correct. I immediately called GM Financial and spoke with a gal that updated me on my account. We went over the total amount due to make the account current, because apparently it was behind due to their incorrect billing statements. It was almost 3 payments past due, so I was given the date of XX/XX/2018 to bring the account current and was assured that no late fees would be applied, and was assured that no derogatory or late payments would be reported to my credit reports. As of XX/XX/2018, I paid the remaining amount ( 8 days early ) and thought this ordeal was over. 


Well it was not. They are incorrectly reporting me late. They are reporting me 60 days late as of XX/XX/2018 and 30 days late as of XX/XX/2018. Please see attached. 


I have tried to call on numerous occasions and spoke with several different GM Financial reps and they all either do not seem to understand this is their fault, or are unable to explain correctly how this is even remotely fair. I am beyond upset and disappointed that I have to spend this massive amount of man hours trying to clear up my good name and excellent payment history. I am being damaged tremendously and have received several adverse action notices from new creditors due to this GM financial error.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report fraudulent information with no validation, after agreeing in writing to cease.
Product: Debt collection

I am a XXXX veteran and was involved in a car wreck, the hospital had already been paid through my VA insurance the portion that was paid is the balance they paid and now I keep getting told I owe the money. Ive contacted the VA its paid, I talk to the collection company try to explain the bill is paid and they keep sending me in circles repeatedly calling my phone all hours of the day.
Product: Credit card or prepaid card

American Express is only approving me for cards with annual fees. When I try to get n American Express card with NO annual fee they declined me. American Express only wants me to have cards with annual fees because they know I am a great cardholder who will pay. The latest example is : On XX/XX/2020 I applied for a Delta sky miles card with a {$95.00} annual fee just to see if my suspicions were correct. And sure enough, I was right. American Express approved Application ref. XXXX for the Delta Miles with the {$95.00} annual fee. A few days later I applied for the American Express Cash card with NO annual fee, to prove my theory. And sure enough, American Express declined the application ref. XXXX. I have contacted the company several times and nobody could give me an answer on why. I know why. But I wanted to here it from American Express. They are committing FRAUD! Both cards are practically the same except the annual fee. If you approve me for one & not the other because you want to make revenue on the annual fee is unethical.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024
Product: Debt collection

I have disputed the amount that should be reported. They are reporting a higher amount due and not reporting the payments I have made in the past. They update it and then retract what they update. They add comments/remarks which maintained my score, but then retracted their remarks which has dropped my score down XXXX points and then additional XXXX points because they keep changing their remarks.
Product: Credit reporting or other personal consumer reports

Transunion violation Section 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the CFPB reports number XXXX Transunion was supposed to disputed a charge off for a credit card and XXXX  XXXX verified a auto loan this show that Transunion failed to conduct a investigation. Asking that the charges off for the credit card be removed since tranunion and XXXX XXXX failed to verify the charges off on mine credit report I will be contacting state office in this matter and seeking legal action in court.
Product: Checking or savings account

I opened a bank account with USAA on somewhere around XX/XX/2023 in the amount of {$10000.00}. On XX/XX/2023 when my fund should have been available it showed me that my funds were currently unavailable. I called when the next business day they were opened. They informed me that I am under investigation for fraud. I asked them for what reason did they have to put me under investigation. That my accounts have been closed because USAA decided they do not want to do business with me. They said they could not tell me as it is an investigation. I called several times after that trying to get information or my money. They advised me there is nothing they could do and they don't have any other information other than my account was under investigation for fraud and I need to wait 60 days to get my money. I asked XXXX speak to a supervisor and they told me this was the highest I was going to get and the investigation department would not speak to me, they don't take calls. Reluctantly, I obliged because I had no other option. I called day 60 to make sure the process was moving along and request my checks. I spoke to a woman in the fraud specialist department on XX/XX/2023 and she told me yup they will be moving this along because the 60 days are up and the checks are being prepared today and would go out in the mail the next day which was a Friday. Here it is Monday XX/XX/2023 calling to check to see if the checks were actually mailed and they were not. Before XX/XX/2023, the fraud specialist people would not let me speak to a supervisor or escalate my call, but now the specialist told me she needs to escalate my call and then hung up. I am beyond mad. This company is lying to me first of all. When I spoke to that woman on XX/XX/2023, she told me that the institution that the funds came from ( XXXX XXXX ) are the ones who flagged the deposit as fraud. So of course I call them, their fraud department said I dont know why they would tell you that because we did not flag this as fraud. We even gave them a confirmation number. If there was a concern for fraud, they would not release the funds let alone give a confirmation number. Not only that, I started doing research and it seems like they held my money longer than there were allowed to. Also, they are telling me today that they checks were not sent and then they keep hanging up on me which is the third time I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to Mohela and they are reporting the two late payments that are inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I was charged twice for an item XXXX. Then I returned the item getting a credit of XXXX. I never received the funds for the double draft. I contacted Truist via the XXXX number and submitted all of the fraud claims paperwork via branch and asked them to close down my account due to this being the second time I had fraudulent activity within 30 days. My claim was denied after multiple attempts. Then my account began getting charges. On XX/XX/XXXX I was charged twice for account access fee of XXXX for XXXX and XXXX. Then due to having no funds on my account which should have been frozen I was charged {$72.00} in insufficient funds fees. This totaled XXXX. Upon paying this I was assured that my account was made current, frozen and no more fees would be assessed. That I could go into the branch to close my account but in 30 days it would close due to inactivity. 

On XX/XX/XXXX I was issued a check on auto draft to the closed account. I contacted the XXXX branch and was told my check had been deposited but the location of the check was unknown. Meaning I could not receive/ cash it. On XX/XX/XXXX My check arrived at XXXX XXXX XXXX  missing {$73.00} charged as a recovery fee. On XX/XX/XXXX I went into the XXXX branch and I was notified that my claim was denied and a charge off was made on XX/XX/XXXX for XXXX. XXXX ( employee ) Contacted the corporate office via phone on XX/XX/XXXX three times each time they hung up on her. She stayed in the branch until XXXX and she stated that the next business day she would contact them and find out the cause of the charges and why I was not contacted about my check being received, garnished, and mailed. As well as to what the charges were for.
Product: Credit reporting or other personal consumer reports

2 weeks ago I attempted to unfreeze my credit so my wife and I could make a purchase. The person at Experian barely spoke English and was unable to assist me with that task. My account was subsequently locked out and I was told to try again after 5 days. After the 5 days, I went on their website to try and establish an account that would allow me to take care of this myself, but the website will not allow my to do so. So I called again and spent another 1.5 hours with a very nice rep who tried very hard to correct this problem. Ultimately she was also unable to set up an account for me, and unable to get a live person on the phone who could. This is a credit reporting agency that by all appearances seem completely inept. A person 's credit history and report are vital to every American and their financial health. This company should be held accountable to the people who rely on them to do their job properly. In my opinion this situation is totally unacceptable.
Product: Bank account or service

SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, Equifax, and XXXX credit reports reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by sending Method of Verification letters certified mail, return receipt requested to XXXX, Equifax, and XXXX. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, Equifax, and XXXX are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 or other personal consumer reports

XXXX XXXX  is reporting balance paid after account was closed. Balance was paid in full before account was closed and the date is in the paid in full letter I received.
Product: Consumer Loan

my credit with XXXX actt # XXXX was turned over to sessoms and rogers XXXX XXXX XXXX, NC XXXX i agreed in writing to pay XXXX $ a month for 9 years or XXXX months and was happy about that. all payments are due on the XXXX day of each month, XXXX payment already made, cleared the bank XXXX WEEKS before it was due. next payment is not due till XXXX, per acct # XXXX ok XXXX payment per agreed to in writing has been made. on wednesday XXXX 2017 i giot a phone call about, i couldnt tell you, today XXXX 2017 i get a letter that said-we heard you have an XXXX representing you. I DONT. i agreed to make the XXXX $ payments buy the XXXX of every month but they just dont get it. lets re-cap- i have no XXXX and just want to make my XXXX $ a month payments and NOT GET MORE CALLS AND LETTERS FROM SESSOMS AND ROGERS, OK? end of story. tell these very unethical law firm nuts that XXXX check # XXXX has cleared the bank for my 1st payment and will do so every month or ill file a harrasment claim. they stop bugging me ill make the payments in peace and harmony. can you the fcpb help me in this matter, thanks.
Product: Debt collection

It was early 2018 I was staying with a friend in XXXX Texas I left my car door open and at night someone broke into my car and took my wallet which contained my Id my social and my birth certificate had to get a new one of everything after that I noticed false information on my credit tried to dispute it several times but dint have a police report to back my case because i never thought I would have to get one never called the cops only talked to the people at the apartment complex hoping thee would be cameras I currently live in XXXX Texas with my father and its been hard trying to get a place because all this false information on my credit