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

Wanted to get some information from this company because bureaus reporting will not respond to my request of validation on XX/XX/2024 certified mail.

As to why they are bureuas reporting different information when this is the same account does that go against laws like the FCRA 611 and 609 accuracy and the way its reported and if not they can get sued or even fined * Syncb Care Credit? 
XXXX {$2000.00}
Product: Credit card

On or around XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX  for XXXX. I was using a rental car through XXXX. I had restarted my XXXX XXXX XXXX  after a long break after XXXX. I rented cars specifically through XXXX for more than a year, prior to XXXX, without incident. This time the weekly funds were debited from my credit card. I was unaware of the additional step to call XXXX to extend the rental as this was never done before. The car was automatically extended once the payment was made as I was a XXXX XXXX  and its typical for a XXXX XXXX to have the rental car for an extended period of time, unlike normal rental car customers for vacations and leisure activities. As a result XXXX said my car was stolen, agian not due to not receiving payment, but because I didn't simply call to extend the car. XXXX sent a tow truck driver to pick up the car, illegally and charge my credit card over {$1000.00} for recovery. I believe I was wronged on two ends. I should not of been charged this amount by XXXX and Navy Federal should not of allowed the charge to go through as it made my card over the spending limit. I have suffered greatly from this action. My credit score has dropped and I have a very hard time keeping up with these payments. I have a seperate complaint with XXXX and Navy Federal as well. The same card was charged for another rental car that I never received. This was the week of XX/XX/XXXX, during a nationwide outage of internet. Airline travel was grounded and rental cars were sold out. I disputed the charge when it came through. However Navy Federal said XXXX proved to them that I had the car and nothing could be done about it. I have suffered greatly from these two companies.
Product: Credit card

, Since late XXXX, I was trying to resolve my AT & T Universal credit card issues and every day I am getting different road blocks to resolve my credit card issue that caused me financial injury, stress and time, per Citibank XXXX request on XXXX/XXXX/XXXX, XXXX XXXX asked me to write letter to XXXX XXXX at Office of President of Citi XXXX, just on XXXX/XXXX/XXXX I faxed to XXXX a letter and explained my issue to XXXX I thought the nightmare is over, because on XXXX/XXXX/XXXX after speaking with XXXX XXXX ( maybe wrong spelling ) advise me that in few days my balance will be XXXX ( XXXX ) and it will reported to all credit bureaus, but when I checked status on XXXX/XXXX/XXXX no please write letter to XXXX XXXX at Office of President of Citi XXXX since late XXXX, after reviewing my monthly statements that was send on XXXX XXXX by XXXX XXXX and again on XXXX XXXX by XXXX XXXX XXXX at XXXX ( only person that it seems doing something about ) that she reduced the amount and now asking me to fax her a list of creditors in my bankruptcy, since opening the credit card account XXXX, never been late and credit limit was {$20000.00} after paying off on XXXX Citibank reduce it to {$500.00}, if I wanted to not pay it I should down it that time I am Citibank Gold account holder since XXXX and I have excellent record, the balance on the AT & T credit card is incorrect from early XXXX to XXXX XXXX my personal data was hacked while I was with XXXX XXXX, among others credit cards ( few credit card with XXXX XXXX XXXX, XXXX XXXX and other bank Institutes since the amount was big the banks and I settled but with AT & T credit card amount were low and I AND MY WIFE HAD THE CREDIT CARDS AT OUR POSSESSION but it seems they made XXXX same and my mission was at XXXX XXXX I thought my wife was using it while I was making monthly payment until my bankruptcy on XXXX then my attorney XXXX XXXX included it in the bankruptcy till that point I never was late, in good standing and the balance was {$410.00} and XXXX XXXX XXXX in her letter stating that and she also subtracted fraudulent charge around {$96.00} and at present time she is reviewing the creditor bankruptcy list that why Citibank continue to charge fees and interest credit card and other after BK, if Citibank knew about the bankruptcy that is violation of Bankruptcy rules and regulation to charge any interest and fees, is almost 2 years now to resolve this issue I did sent numerous letters, phone calls, faxes and other requested documents filled with CFPB and disputed the charges with credit bureaus and solution yet under FCRA, Citibank has 30 to 90 days to resolve, I hope with these violations FTC and CFPB must audit or whatever maybe penalized Citibank and for not resolving my credit cards issue that caused financial injury, stress and time how long I have to wait, I hope she response and make mutual decision as soon as possible and remove it from my credit report. 
XXXX XXXX
Product: Checking or savings account

i recieved four emails yesterday XX/XX/2022 about an account opened with BoA under a former name. I did not open a new account.
Product: Debt collection

After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from XXXX XXXX XXXX, XXXX, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.
Product: Mortgage

Currently I am being charged PMI. As of XX/XX/2021 I owed less than 80 % on my home based on current market value and Loan Depot is refusing to drop PMI. They also will not disclose what my home value is being based off of while I sent them all recent sales within the neighborhood to prove my value of ny mortgage is less than 80 %
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on a dispute I filed regarding the accuracy of information on my credit report. The dispute investigation was completed on XX/XX/2024, yet to date, I have not received a description of how the investigation was conducted, including the procedures used to verify the accuracy of the information in question. 

This is my second attempt to obtain this crucial information. According to the Fair Credit Reporting Act, specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used during the investigation, including how and from whom the information was obtained. Failure to provide this information within the legally mandated time frame violates my rights under the law. 

I kindly request that you provide a detailed description of the investigation as required, including how the information was verified. Please consider this a formal demand to comply with your obligations under the Fair Credit Reporting Act. If you fail to respond adequately, I will be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action. 

As this is my second attempt to obtain this information, I kindly ask for an immediate response that complies with the FCRAs requirements. If Experian is unable to provide a complete description of the investigation process, I demand that this disputed account be permanently deleted immediately from my credit report in accordance with my rights under the FCRA. This is a violation of consumer law.
Product: Credit reporting or other personal consumer reports

Capital One had computer glitches that resulted and me having service charges on my account. The first time they assessed charges they admitted as much and took them off. I paid the balance which was about XXXX dollars. I charged on the card again about XXXX dollars. They again did not notify me that there was a balance due. I called and asked about by card balance and they informed me that it was late. I told her that I would be happy to pay the balance, but I would not pay the XXXX or so dollars that was late because again they did not notify me. I signed up for email only notifications. Oddly enough once my balance was paid and they ran up charges based on the service charge not being paid they discovered my email address. I have had the email address for about 30 years. The same email address. XXXX. They have since been sending me reapplications to use Capital One credit. If I was, they bad person they believe me to be surely they would stop sending this. They had no problem trashing my credit though. For a XXXX dollar late fee. I have several cards, and they are all paid on time. I pay my cards as soon as I get a notice they are due. Which generally is about 10 or 15 days before they are due. Capital One is the only one who has not notified me about my bills in advance. They are I believe a criminal organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were 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, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} EQUIFAX XXXX, XXXX XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} EQUIFAXS & XXXX
Product: Debt or credit management

MIDLAND CREDIT MANGEMENT IS CALLING ME ALL HOURS OF THE NIGHT & DAY EVERYDAY ALL DAY ALL NIGHT NO STOP .NO STOPPING.
Product: Credit card

XX/XX/XXXX - I used my credit card from Target to pay an item of {$570.00} in my son 's XXXX account. 
XX/XX/XXXX I reviewed my Target card statement and my own XXXX account and had forgotten the payment on my son 's XXXX account, thus calling Target Card services saying it was not my charge XX/XX/XXXX I remembered the charge was mine and called Target again. to apologize and to inform the charge was mine and was not fraudulent. Target said it will show fixed in my statement in a few days XXXX thur XXXX - Called Target card every other week because they keep fixing the charge and reversing it, moreover DUPLICATING it ( also three other smaller charges which had no issues where added back and forth from my account ) I paid the correct balance of {$790.00} ( included and extra {$3.00} ) on time on XX/XX/XXXX. 
It appeared they never fixed the incorrect fraud call, and the vendors were just trying to get paid, but Target kept treating them as fraudulent in spite of my notice at the end of XXXX, and in spite I paid Target for the item ( s ). Target kept saying the duplicated balance will be fixed. But they did not until I involved the XXXX, but my credit record dropped XXXX points because I did not paid the incorrect duplicated amount. 

My credit score was reduced due to their mishandling of my account.
Product: Checking or savings account

I have an account with Wells Fargo. It is a checking account. I dont have any special situations or deposits that come through other than cash deposits. I have some recurrent payments that randomly pop my account throughout the month. Over the last year Ive noticed so dramatic change in my account, and its ability to report available balances.over the past couple months its even gotten worse and Ive seen that the available balance will be dramatically off. The bank is pushing and trying to blame on its customers saying that we should be keeping an accurate account of our accounts. Over the past couple months its even gotten worse and Ive seen that the available balance will be dramatically off. The bank is pushing and trying to place blame on its customers saying that we should be keeping an accurate account of our accounts. But isnt that what I bank is for. It is their job. I have opted out of overdraft protection multiple times with the bank. For some reason they keep allowing these overdraft charges. Ive been not ever authorize the charge that I did have the money to pay for. If I didnt authorize the charge, then who did Wells Fargo consider that fraud myself. I dont wan na pay an overdraft fee for Wells Fargo , paying for a bill that I didnt have the money for it to begin with. Wells Fargo needs to be held accountable for this. Its getting ridiculous. Im looking at my account being negative almost {$400.00} and I would never have spent that money. It was merely debit transactions These should be instantly posted on the account. I dont know why they keep allowing merchants to hold these pending things, but the bank gets notified the moment the merchant Hits a payment and they need to start. Actively renewing some sort of log to make this more live and the available balance needs to get corrected immediately. I was told when I called on the phone to discuss this with them that they know the available balance portion of their online banking stuff has had issues over the last several months. So why should I pay for that. I would never have authorize those charges if I wouldve known that I didnt have the money to pay for them. These banks are stealing from us
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with CAINE WEINER. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with CAINE WEINER to attempt to collect a debt from me.

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. is obligated by the FCRA to report accurate accounting. EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( 1 ) ( A ) ( B ). 

EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX, XXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. FTC fraud report will be filed on behalf of consumer, consumer is now requesting EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX  XXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an e-oscar report. If EXPERIAN, XXXX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

EXPERIAN, XXXX, and XXXX ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST EXPERIAN, XXXX, and XXXX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. EXPERIAN, XXXX, and XXXX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE US CONSTITUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open up several accounts fradualently, police report is available. 
Please remove all listed accounts from my credit report.
Product: Payday loan, title loan, or personal loan

This is an additional a new issue with Mariner Finance! I already filed one complaint about them not working with me after I had to have emergency XXXX XXXX costing me {$5000.00} in XX/XX/XXXX and so had to give them a promise to pay as they immediately sent me a letter threatening to sue me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has never been late before and living on XXXX modest income!!! 

Today after my car payment and {$650.00} payment on my surgery came out I did not have enough left to pay the {$800.00} I had told them I would try to pay, so I went online to try to set up a payment for my next payday XX/XX/XXXX and it would not allow me to set it up and told me to call the office if I could not pay the full {$1200.00} that is behind today so not even allowing me to pay the {$800.00} they lied to you and said they would accept on my last complaint!!! 

I then called the XXXX IL office and the call went directly to voicemail do I left a message telling them all and asked them to return my call. No one called back and the last time I left a message in XX/XX/XXXX on the voicemail they denied receiving it. I then called again a few hours later and talked to the manager and she claimed there was nothing she could do and that that was a 15 day notice that they sent me before and I know this right? So basically after asking her if they could wait until I get my W2 from the State of IL and file my taxes or until my next check that I can use mid XXXX all she did was threaten to sue me and bully me and claim to add note to account!!! I am tired of them bullying and harassing me and not allowing me to pay later and work with me!!! Please contact them and enforce the laws!!
Product: Credit card or prepaid card

I purchased a oven on XX/XX/XXXX with a Wells Fargo credit line. This was a no interest credit line if paid in full within 12 months. I did not receive a bill during the first week of XX/XX/XXXX so I went to their online billing site and submitted a payment of {$1000.00} on XX/XX/XXXX. I get paid once a month on the XX/XX/XXXX so that is when I pay all of my bills. I did not receive a bill for XX/XX/XXXX by the first so, once again I submitted a payment online for another {$1000.00} on XX/XX/XXXX. The same thing happened for the month of XX/XX/XXXX. I submitted a payment online for {$1000.00} on XX/XX/XXXX. When I finally received my billing statement in the mail on XX/XX/XXXX there was a late fee of {$27.00} added. I telephoned the Wells Fargo customer service number and spoke with a young women whose name I did not catch ( English was a second language ) and was told that due to the billing cycle, I was being charged a late fee because I was paying too early. I said that I would not pay a late fee for paying too early and expected it to be removed. She had to discuss this with her supervisor and after, I was told that it would be removed this time but that I needed to adjust my payment date. Apparently this is another way for Wells Fargo to steal from their customers. Who ever heard of being charged a late fee for paying too early? I believe Wells Fargo needs to adjust their billing cycle. This is the most ridiculous thing I have ever heard. I will be calling every month to have this fee removed ( extremely inconvenient ) and I will NEVER recommend Wells Fargo to anyone for anything and will certainly NEVER EVER use their services again.
Product: Mortgage

I have 3 loans with Loan Depot, I always use XXXX  and XXXX XXXX XXXXXXXX online bill pay to pay all 3 mortgages same day, Loan Depot charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used XXXX XXXX XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, XXXX mailed checks to loan deport typically very quickly. I had 2 late fees from Loan Depot, after I talked to Loan Depot, they waived those fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. 

XXXX XXXX XXXX, I used XXXX XXXX XXXXXXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, Loan Depot charged me 5 late fees ( {$290.00} XXXX ) so far, I called them, Loan Depot agreed to waive 2 late fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. They still keep 3 late fees, they said XXXX mailed those 3 checks late, I called XXXX XXXXXX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX pm, after listening to music 32 minutes, the customer service rep XXXX XXXX employee ID XXXX ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, XXXX online banking showed payment clear XX/XX/XXXX, met Loan depot payment deadline, they shall not charge me late fee, they shall waive it. 
I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee I requested XXXX online bill pay XX/XX/XXXXXXXX XXXX  mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee XX/XX/XXXX, Loan Depot offered me the option to pay from Loan Depot online account which will complete payment within 1 biz day. From now on, I will stop using XXXX online bill pay, and only pay from Loan Depot online account, to avoid future headache.
Product: Credit card or prepaid card

My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history are not correct. I have attached a letter with the valid address