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

In XXXX, I purchased a large farm mower from XXXX XXXX. Approximately {$11000.00} was financed with XXXX interest for XXXX  months, through XXXX XXXX XXXX XXXX. After XXXX  years of regular monthly principal payments, a payment happened to be due on a banking holiday. Our bank 's online bill payment service sent the electronic payment through on the business day immediately following. Unknown to us ( because the principal payment was made automatically by our bank each month ), a late fee was charged to the account, and then another one was charged the following month, not for the principal payment on the purchase, but on the late fee which remained unpaid. We contested this strongly with the creditor since it is an accepted policy stated on this web site that such an act is predatory ( XXXX  : XXXX ). We also approached XXXX XXXX, and even asked our bank to get involved since they were in charge of the transfer of funds on the business day after. XXXX XXXX refused to remove the fees, and instead kept adding more fees for each month they weren't paid. All the while, we were making principal payments to our purchase as scheduled. After about 6 months of repeated calls to the creditor, we paid the full principal balance and closed the account. At this point the fees were up to {$290.00} and listed on our bill under late fees. 
XXXX month after closure, the creditor transferred the {$290.00} balance to the principal column and continued to bill us as if we had made a new purchase, also adding a new late fee each month. Letters were sent and calls were made to no avail. Eventually we stopped receiving bills. Several months later a debt collector contacted us, attempting to collect {$440.00}, which had now accumulated in response to that one banking holiday. When I explained the situation and forwarded the letter that I had provided to the creditor months before, the debt collector ceased all attempts to collect. We thought that was the end of it as it was over XXXX  years ago and over a year after the account was closed ( bank holiday in fall of XXXX, account closed XX/XX/XXXX, debt collection XX/XX/XXXX ). 
Fast forward to XXXX when my credit is checked for a pending real estate purchase, and this {$440.00} is still showing on my credit report as a bad debt. Given that I paid the principal balance well before the end of the XXXX interest terms, I owe XXXX debt to XXXX XXXX. I have disputed with all XXXX credit bureaus and been turned down by all XXXX in spite of XXXX pages of documentation on this issue. XXXX XXXXXXXX continues to lie about their predatory practices even when presented with evidence provided by me to the credit reporting agencies. In addition, the dates are incorrect on the credit reports, meaning the " charge-off '' will not disappear in XXXX but in XXXX ( or later, if they continue to report it as current ). Untold damage has been done to my credit for something which was not even a mistake, but a normal banking practice.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my CitiBank checking account to my account at XXXX XXXX on Friday XXXX. It was blocked by the Citi Fraud Department ostensibly due to its size and their concerns about validity. 

I went through a lengthy verification process on Friday and Saturday and was told on Saturday that the wire would go through. 

Sunday I received an email advising me that the wire was cancelled. I went through another lengthy verification process and was told to re-submit the wire Monday. I did so. 

Monday afternoon I was advised the wire was on hold. I went through a 1-hour + verification process and was told " the wire will go through on schedule ''. 

Today ( Tuesday XX/XX/21 ) I received another email advising me that the transfer was on hold. I called and spoke to one agent who ultimately could not help me. Further injuries were blocked because Citi has a limit of 5 text-message-confirmation-codes in 5 days ( which had been used due to all the calls I made ). I can not now talk to anyone in Citi, nor can I log on to my account ( it has been completely blocked ). 

I previously had trouble obtaining a promised {$700.00} bonus for depositing {$50000.00} and leaving it for a specific time ( which I did and more ) ; we were lied to and given conflicting information for a week or so until Citi finally provided me with the bonus. 

Now when we need the money for a home purchase- we are in escrow - Citi is refusing to allow us to transfer the money but gives no reasons why. 

We believe this is a deliberate delaying tactic - as we experienced with the bonus - and need help in having Citi release the funds.
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid off the balance of my leased XXXX XXXX XXXX with Honda Financial Services after confirming the amount that was owed with a lease end specialist at HFS. The check was posted and my online account view shows a {$0.00} balance on the account. To date, I have not received release of the title.

HFS states in the lease end FAQs that title will be released in 2-3 weeks. I have HFS called 3 times after one month 's time asking about the release of my title. First call, I was informed the title was released on XX/XX/XXXX and I should wait 4-6 weeks to receive it. I called XXXX XXXX and was told I would have it expedited and receive a tracking number by Friday, XXXX. I called on XX/XX/XXXX and was told my case was open but they had not resolved the case yet. I was assured it had been expedited. But could receive no information about any problem with the title/lease end, the whereabouts of the title or when it would be released when I directly asked. I was advised twice that HFS was having " trouble '' in their title department. 

The same day I looked up requirements in PA for title release and it is supposed to happen within days. I reported the situation to XXXX and received an e-mail that told me that HFS still had the title. They suggested I advise them to file a XXXX for a duplicate title if it was lost?????? 

I am requesting your help in getting my title released from Honda Financial Services
Product: Credit reporting or other personal consumer reports

This company has now added that XXXX XXXX fraudulent account to my report to reflect it as closed. This is a violation of federal law and my consumer rights. It has already been verified as fraudulent and they still reported it. I will be pursuing legal action. They are affecting my report negatively and intentionally. They already known this was a fraudulent account. We have it in writing. Im contacting arbitration to pursue legal action if this is not REMOVED IMMEDIATELY! 
They are showing an account that I have never opened on my report as closed and it was formulated from identity theft/ Fraud. How negligent can one be with something as precious, private, and valuable as someones consumer report!
Product: Debt collection

I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.
Product: Credit reporting or other personal consumer reports

Please delete this fraudulent account from my consumer report. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : Oportun Account number : XXXX You're reporting a late payment in XX/XX/2022 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Mortgage

I am a XXXX of Massachusetts over XXXX years I have massive mandatory deductions TAKEN OUT OF MY CHEC., i have been having trouble in achieving a fair and equitable modification NOR GETTING BANK OF AMERICA TO UNDERSTAND THIS.People have saved their homes over lesser circumstances .I am a one wage earner family. Modification modelswork off peoples gross pay, But in my case I have a huge disparity between my net pay and my gross.Also as soon as I got paperwork in I was denied and received their letter dated XXXX/XXXX/2015 on XXXX!! XXXXwhich gave me no time to appeal .this is weong and bank of America is getting away with it, i asked XXXX XXXX to intervene which knew my situation well for it was purported in writing.they state dthey would intervene, to my knowledge thay did not.also XXXX XXXX at bank of America promised due diligence, I believe not done.i am not about to lose my home over a few dollars.please assist
Product: Credit reporting

his is just an ongoing event with Transunion concerning the removal of address 's that I have stated many times via this portal, certified mail or even fax. I have submitted my utility bill, Drivers License, social security card, Police Report and now I am being requested once again from Transunion to submit a statement that the address 's do n't belong to me, a police report and now they have added a FTC affidavit which I have attached to this portal along with everything else. I have been disputing this information since XXXX/XXXX/15 and they have outright refused to removed all of the disputed information especially with the mountain load of supporting documentation that I have sent them. I have received letter after letter stating we will have to have the furnisher verify this information first before we can remove it. Your furnisher is the reason why the information is reported incorrectly and I have submitted many documents showing your Reporting agency that it is wrong and to make it right. I am the victim of Identity theft that is why I put a fraud alert on all my credit reports and reported this to the XXXX Police station. By Law Transunion your suppose to block and or delete the fraudulent information from my credit file within four days but as of today 2 months since I first disputed you have done nothing but verify that those address ; s must stay due to your furnisher verifying the address 's and the wrong variations of my name. Your all wrong and I want the items corrected immediately. Here is the information that I am disputing once again : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : Consumer Dispute Dept. 

RE : Report # XXXX Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request XXXX to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXX OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : DELTA XXXX XXXX XXXX XXXX have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Product: Debt collection

Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid. 

I disputed it with both credit agencys XXXX XXXX and XXXX 
gave them 30 days to remove it. 

30 days later its back on my credit reports as unpaid. 

I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up. 

Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid.. 

the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.
Product: Credit card or prepaid card

I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX CONTACTED COMPANY TO REQUEST PROOF OF SERVICE NO RESPONSE OR DOCUMENTS TO PROVE THE VALIDITY OF HER CLAIM
Product: Mortgage

I have been going thru a refinance with Freedom Mortgage for over a month and a half now. They have made multiple errors, that have delayed the closing. First error was not contacting me for documentation needed for loan. Second they withdrew a mortgage payment on XX/XX/XXXX that was canceled days ahead of time, so we could close on XX/XX/XXXX. They did not contact me that payment was pulled from our account, nor did they inform us the closing was cancelled. We set a closing date for XX/XX/XXXX. They cancelled that without informing of a situation that they claim to be " miscommunication ''. Then I spoke with a Mrs XXXX. She told me that we are set up for closing on XX/XX/XXXX and that she will call and send me closing docs on XX/XX/XXXX. She has also given me her direct line in which to call at XXXX on XX/XX/XXXX in order to review those docs in the case she didnt contact me. I gave her 2 calls on the XXXX of XXXX to which she never responded. Today is XX/XX/XXXX less 3 business days before closing and I have yet to recieve a phone call or email from anyone at Freedom Mortgage or any affiliates at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services.

I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.
Product: Student loan

These customers reps want XXXX per month I can not afford what they want, sallie mae is hard core refusing to assist they are not willing to work with me
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my personal friend XXXX XXXX XXXX attempted to send me {$660.00} + {$130.00} via XXXX to reimburse me for our upcoming leisure trip to XXXX, CO. I had paid all the expenses ( hotel, flight, car rental, concert tickets, etc. ) on my card, and he was reimbursing me for his half of the expenses -- all allowed under XXXX 's Terms of Service. My Wells Fargo Checking account ( tied to XXXX ) was immediately frozen, flagged for closure, and my XXXX access was suspended. I was instructed by Wells Fargo to visit a Wells Fargo branch with two forms of identification. I did so, and Wells Fargo Loss Prevention Team 'retained " my Wells Fargo Checking account. Wells Fargo also, after verifying my identity, initiated an internal escalation to restore access to XXXX. After attempting to enroll in XXXX with XXXX XXXX XXXX, I am told that my XXXX profile is still restricted. XXXX is unable to assist, as I signed up to XXXX via a partner bank ( Wells Fargo ). Wells Fargo is unable to assist, as they claim they have unlocked my XXXX access on their end. XXXX XXXX is unable to assist, as they claim the suspension is from Wells Fargo. No party is willing/able to help me. I have always used XXXX in accordance with the outlined Terms of Service -- only sending & receiving to/from friends and family for non-commercial payments.
Product: Debt collection

I received a suspect letter in the mail. It arrived in a plain white envelope with no return address. The letter was a poor attempt at an official looking document.It had no signature from a Judge or magistrate or any official stamps or marking from the clerk. The letter was fraudulent. I made contact with the Sheriff 's Dept of the county on the letter about a company sending letters from the court that fraudulently being sent. I was told to disregard. Several more came so I disregarded them. 
On XXXX XXXX I was served an XXXX XXXX XXXX With the threat of XXXX  if I did not appear. 
I have no knowledge of a debt or judgement against me from XXXX. A debt validation letter was sent asking for information on the original debt because it could be fraud or identify theft. The collection agency ( debt buyer ) said the did not have to comply. 
The insufficient and in proper service of process was a blatant and deliberate tactical use of the court proceeding to gain a favorable ruling.
Product: Credit card or prepaid card

I purchased the card for {$200.00} at XXXX in XXXX XXXX nh on XX/XX/21 at XXXX XXXX  that evening we tried to register the card. But had difficulty understanding the teleprompts so I put the card back in the package with the receipt s and had to have my brother make the purchase that I bought the card for. I have every intention of doing on going business with these folks as I've heard good things about them! The card was taken from my office by we are quessing one of the XXXX children my girlfriend takes care of during the week it has been a nightmare to put all these parents thru questioning there children and searching for the card that's why it has taking me so long to call and try and figure out how to straighten out the issue one person out of the 4-5 people I talked to told me he had the card number and it had not been activated.but I would have to call back during the day and speak to a supervisor now I have every piece of information except the card number I have the packaging which when provided he looked up card and cancelled it or locked it but they refuse to issue me a replacement even though they know that the card I paid {$200.00} can not be used they still refuse to replace card even though I have the two store receipts and the package,. I gave them the information needed so they are not going to lose a XXXX yet they are going to steal my {$200.00} just because I didn't have the card number that he looked up in two seconds and locked the card this is plain straight out robbery this makes absolutely zero sense how can they be allowed to do this there excuse was someone may find the card ( SERIOUSLY WHAT THE CARD I GAVE THEM THE INFORMATION IN ORDER TO SHUT OFF ) this is unfare practice and plain robbery!
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. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$0.00}
Product: Debt collection

Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX  XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX NewRez claimed they closed my mortgage account but it still showed open on my credit report.
Product: Debt collection

my i recently went throught my deceased mothers paper work. an found out she opened the discover account in my name an used the card that i never saw til now an she always told me i opened it but it was her an she opened this acount an many other credit an loans in my name without me having any knowleage of this! im just now finding all this mess in her deepths of paper work an mail she hid from me. so how does this work now seeing its not my account never was i just thought it was because its what my mother told me though i had no knownlege of the card or what was bought or anything she was a known con artist an did this to many family members as well. an im lost for words an i dont know what to do but she ruined my credit an put me in alot of debt thats not mine. so what do i do now? she passed away in XXXX  but we just went thru her room an boxes upon boxes of paper work an documents an bills an other items she had it took us years to do because she was a horder as well so she had alot an hid alot of things from me an my other sibbling im upset so what do i do now? seeing she used the account had the card an i never knew because she always hide the mail an bill from me! 

an XXXX  has been nothing but an XXXX to me telling me a XXXX  person who cant walk to get a desk job get a job we will keep taking you to court for this debt thats not even mine foe the next 10 years knowing i only get ssi
Product: Mortgage

On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing. Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and have repeatedly requested duplicate information. SLS obtained all the necessary information to process my application in the middle of XXXX ; however, I received a letter dated XXXX XXXX, XXXX that my application is still under review. SLS is clearly delaying the process in an attempt to foreclose on my home.