23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX we purchased a trip to XXXX all-inclusive through XXXX we charged {$2400.00} on our LL Bean Mastercard credit card ending in XXXX. The trip was for XX/XX/XXXX thru XX/XX/XXXX. XXXX came and the pandemic had just started to hit, we called XXXX on XX/XX/XXXX about cancelling and they told us we would lose our money if we cancelled because the hotel had already been paid but we could contact the airlines about reimbursement for the flight. We had spent {$5000.00} total on this trip, we put half on another credit card and then {$2400.00} on the LL Bean mastercard, we didn't want to lose all our money so we decided to go thru with the trip as there was no travel restrictions to XXXX at that time. We flew down on the XXXX arrived at airport where we were supposed to get a ride to the hotel and we were told that XXXX went out of business and never paid the hotel and so if we wanted to stay we had to pay a second time for this trip ( Another {$5000.00} ) we did not have that money. They brought us to the hotel and as I was arguing with the hotel, my son called and said the state department had ordered all american citizens back into the country, so we paid for the hotel that night and flew back the next day. The other credit card company refunded our money immediately when we notifed them of how we were ripped off by XXXX. However I have made numerous telephone calls and written twice to LL Bean Mastercard and they keep saying I would have to had disputed this charge within 60 days in order to get reimbursement. I asked how I could do that when the trip was more than 120 days later and they will not reimburse me. I thought Mastercard had a policy that trips are not included under the 60 day policy because people book trips a year in advance sometimes and it would mean that most people 's trips would not be covered. This was our XXXX anniversary which was ruined and since getting back, we literally spent 23 hours in XXXX, we are essential workers and have been working nonstop, we would appreciate some assistance with this. At this point the company is not even responding back to me. I have all paperwork to back this up.
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I contacted Experian to unfreeze my account. I attempted to do it through their portal. I requested they send the information to re-set my password. They sent it to the wrong email address.I attempted this two more times with the same results. I then attempted to do it by phone, and the automated service was unable to send me the on time pass code. I attempted this several times unsuccessfully. All other phone numbers I could find that supposedly could place me in contact with a representative, re-routed me back to the same automated service. Finally I was able to get on a line that promised a representative would be with me in 3 minute. I waited 45 minutes before I had to hang up.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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


( XXXX XXXX, XXXX, XXXX XXXX, ) 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: Student loan

This is a follow up to complaints : XXXX XXXX I have not received the info. I requested to verify the validity of my cosigning status. XXXX XXXX XXXX XXXX XXXX has not been forthcoming in providing the info. I requested. I do not want to file a fraud complaint until I receive all the info. I requested.
Product: Mortgage

I never got the 3 day mortgage letter transfer from XXXX XXXX either SELENE Mortgage they don't want to talk yo me either the Selene company this company are an scam and also i had call several times to the to fix all this and i had got nothing in respond i need please some one to help me to identify the issue and the lack of servicing of this company.
Product: Credit reporting or other personal consumer reports

-- Transunion -- These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! All of these accounts have been removed off my XXXX report and XXXX report. These are the last two illegal items on my transunion report. Please remove these illegal collections off my report! 

XXXX XXXXXXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$57.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a XXXX XXXXXXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I made a XXXX XXXX withdrawal at the XXXX XXXX machine in the bank. There were XXXX ladies and a man in the XXXX XXXX area. The machine said, " Can not continue, '' the man said, " Just hit continue and you will be able to do your transaction. '' I hit continue and withdrew the cash. XXXX of the ladies said, " You dropped a {$20.00}. '' And handed it to me. I left the bank and the XXXX ladies followed me, XXXX of the ladies was saying that the {$20.00} was hers after all so I gave her the {$20.00} and left. Less than an hour later we went to get gas but I didn't have my debit card so we went back to the bank to see if it was left there. The banker I saw looked up my account and saw that there were XXXX XXXX purchases with cashback, another at an XXXX with cashback, and {$700.00} in cash taken from an ATM and they somehow through my debit card {$200.00} was also taken from my wifes account. There were XXXX claims opened at the bank, XXXX for the {$700.00} cash station withdrawal, another for the grocery stores, and XXXX for the {$200.00} taken from my wife 's account. On XX/XX/XXXX the bank reimbursed my account for the grocery store purchases and on XX/XX/XXXX they reimbursed the {$200.00} to my wifes account. Today, withoout any notice they took away the reimbursed groccery store purchases. ( We also filed a police report with the XXXX XXXX Police and brought it to the bank where it was faxed to the claims deartment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I use Credit Karma to monitor credit activity on my accounts. Recently, I have received 2 unknown/unsolicited Hard Inquiries, one on XX/XX/XXXX ( XXXX, XXXX, CO ) and another on XX/XX/XXXX ( XXXX, XXXX, FL ). Please see attached for contact details of these institutions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to my credit report regarding a debt that was written off and reported to me via a XXXX form by 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 

The details of the debt are as follows : 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 As per IRS regulations, when a debt is canceled or forgiven, it shall be reported to the credit bureaus. Therefore, it is essential that my credit report accurately reflects this change in my financial status.
Product: Credit card or prepaid card

I activated my cap one credit card and used an atm terminal in a city I have no residence in. My account then started to show fraudulent charges after I utilized this atm. Ive called capital one and filed a fraud claim, but theyve rejected it.
Product: Payday loan, title loan, or personal loan

I have 2 loans with PNC. One is a very old line of credit over $ XXXX. I have called, sent messages from their online portal from account, but no response. 

PNC is consistenly misposting my payments. An example is I pay {$1000.00} / mo but my monthly payment is XXXX {$700.00}. They are instructured to apply any additional funds included with my monthly to be applied to the loan ( s ) principle but they are not consistently do it. They are posting some as principles but just as many toward interest. 

I've been dealing with them for years. I rarely have time to dig in to the details but then when I do and try to resolve it ... I get no response. 

Can you please?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XX/XX/XXXX& XX/XX/XXXX, but I paid my loan of in XX/XX/XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XX/XX/XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, Mr. XXXX responded via email, advising me he would be reversing the credit Hit for XX/XX/XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from Experian that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to Mr. XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XX/XX/XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XX/XX/XXXX, 1 year after loan was closed. 
XXXX corrected their XX/XX/XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XX/XX/XXXX & XX/XX/XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for 180 days without any reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by Experian, XXXX  and XXXX  for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX  and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. Experian refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by Experian but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by Experian and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence.

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Product: Debt collection

I had my Home Depot credit card stolen ( 2007 ) and used by someone else. I had all the police reports to indicate this. Home Depot refused to see the issue and said it was my fault the card was stolen. So, they kept me liable for the charges. I disputed every call I got. XXXX days ago, I got a call from my daughter-in-law, who is an XXXX of the court that she received a very harassing phone call to have her give them my number. She refused but took down the information so I could call and find out what this was all about. The man I spoke to was threatening to take me to court if I did n't pay the outstanding balance owed even though it was fraud. He did not give me a chance to speak to my lawyer, altho he knew I had a lawyer involved in the case and should have called him instead of me. I was never given a chance to show my documentation and was told I had to pay right away or go to court. He had me sobbing and scared. He said just take care of this and it will all go away. I called the company he represents, XXXX XXXX XXXX. He represented himself as a lawyer which i later found out he was n't. When I spoke with his office manager to request a copy of our recorded message ( he told me it was being recorded ) she, XXXX, told me there was no recording of the call. I called XXXX again today to ask her to send me the file they have on my case and she said she would have to check with her manager to see if they can send me the file. So, after being harrassed, my daughter-in-law being harassed, they have no intention of sharing with me the proof that I owe the money. XXXX XXXX was called in to a meeting yesterday ( per XXXX ) to discuss how he handled the case, and subsequently resigned. So I am now hold XXXX XXXX XXXX liable for unfair practices. 

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.
Product: Credit card or prepaid card

I am re-opening/resubmitting my recent complaint on this issue as it remains unresolved and has actually gotten worse due to Citibank Shell MasterCard company's actions.

My original complaint read:
I disputed two charges on my Shell Mastercard with this company in XXXX 2021. One charge was for XXXX and the other for XXXX. The one for XXXX  was supposedly resolved in my favor per the letter I was sent by CITI. However, its still showing up in my balance on the account. T
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of EdXXXX 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 has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had been disputing the collection account that is being reported on all  XXXX  credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In   XXXX   XXXX   I sent a debt validation request to  National   Credit Systems  in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on   XXXX   XXXX   and signed by    XXXX   XXXX   . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.