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

On multiple ocasions my XXXX and I have contact the XXXX XXXX XXXX XXXX  about the on going issue were we purchased an item and return it yet we have not recieved a credit. We are looking for resolve and hoping someone can help us in this matter.
Product: Debt collection

I am writing to inform you that XXXX XXXX XXXX XXXX XXXX, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to ONEMAIN, and I am required to pay this amount directly to XXXX XXXX XXXX XXXX XXXX. However, in their latest correspondence, XXXX XXXX XXXX XXXX XXXX advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, XXXX XXXX XXXX XXXX XXXX has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that XXXX XXXX XXXX XXXX XXXX has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX XXXX XXXX. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, XXXX XXXX XXXX XXXX XXXX has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.
Product: Mortgage

In XX/XX/2019 I sent an escrow shortage amount to make sure Escrow was paid. Loancare misapplied those funds with no notification to me. I continued to make my monthly payments. Due to the amount change and lack of notification from loancare they held my payments in a side account and showed my payments as not being made. I have made numerous calls to them to fix the issue and even paid additional amounts they said that were owed. They continue to delay the application of proper payments and my credit has been giving mulitple negative remarks and has plummeted. I have spoken to XXXX XXXX and he promised it would be fixed. Please help me get my credit repaired and have loancare apply payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, I tried to get a copy of my Transunion credit report from the Transunion site. I received an error saying they could not get my report. Then I tried on XXXX and again, I could not get my Transunion credit report. 

I called Transunion and spoke with a customer service rep who told me my credit report is " mixed '' and that someone would call me within 3 days to correct the situation and provide a report. I also was given a XXXX number : XXXX. I have not received any phone calls so I can access my report.
Product: Credit card

I cant reach customer service at Barclays bank. I did not approve a charge of {$55.00} on my credit card and yesterday customer service at Barclays Bank put me on hold for 3 hours and 15 minutes. I finally gave up and hung up the telephone. Today, I have waited over an hour on the phone and I am still on hold. 
Barclays customer service XXXX
Product: Credit card or prepaid card

I discovered in XXXX of XXXX that I was being charged late fees by TD Bank Retail Card Services for my XXXX XXXX account for not paying my bill on time. I discovered upon looking at my personal bank account that although the payment completely cleared my bank account on time as a scheduled electronic payment, TD Bank was not applying my payment to my account with them until 2 to 5 calendar days after the payment fully cleared my personal bank account. According to TD Bank, my payments are due on the XXXX of every month, all of my payments were completely cleared from my account on or before the XXXX of the month. 

I also discovered that between XXXX and XXXX of XXXX I had overpaid my bill by making at least double payments by over {$130.00} dollars, but was still charged a late fee in XXXX. I have continued to pay double the minimum payment throughout XXXX in order to pay my bill down faster, but that has been eaten up by late fees instead. 

These details are as follows : XXXX 's payment fully cleared my bank account on Friday, XX/XX/XXXX, TD Bank did not post it to my account until Wednesday, XX/XX/XXXX 5 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Monday, XX/XX/XXXX TD Bank did not post it to my account until Wednesday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Wednesday, XX/XX/XXXX, TD Bank did not post it to my account until Friday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Thursday, XX/XX/XXXX, TD Bank did not post it to my account until Monday, XX/XX/XXXX, 4 days later, causing me a late fee of {$38.00}. 

I have submitted these details to their payment verification team, but have not heard back, or received a confirmation that my message was received.
Product: Credit reporting or other personal consumer reports

I'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXX account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO THIS ISSUE.
Product: Credit card or prepaid card

I have XXXX FS Card Services ( XXXX 's Jewelers ) card for approximately four years. During this time I have had a 98 % paid on time account. The account has been reporting in good standing. I have had a {$2200.00} credit line on this account. The highest balance that I have ever had on it was around {$790.00}. I currently owe. {$580.00}. I started noticing that my statements were showing me the {$2200.00} credit limit but with XXXX credit available. I called to inquire about this and THEY told me they would need to do a review. The next thing I know is that they are closing my account. I have been paying consistently with a XXXX percent on time ACCOUNT as I have said above. I received a letter dated approximately XX/XX/XXXX that my line of credit was being closed. I have other things past due but not their account. I am being punished for being on time with them simply because other things have fallen behind during this Covid Pandemic. I FEEL THIS IS ABSOLUTELY UNFAIR.
Product: Mortgage

XX/XX/24 phone message call my wife to report she urgent need to return the call to XXXX the number they called from was XXXX said his name is XXXX XXXX I called Freedom Mortgage they said they are no affiliates with the company with that name or either number, scammers have been hitting us pretty hard the last 2 months please advise us on this issue I hope I reported to the correct place my name is XXXX XXXX I am also on the mortgage and my wife is XXXX XXXX only I call her net. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquries appearing on credit report appearing on credit report. 1. XXXX XXXX  2. XXXX XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.
Product: Checking or savings account

On XX/XX/XXXX I posted a check of {$5800.00} to a XXXXXXXX XXXX in XXXX. I advised then it was en route. 

XX/XX/XXXX Check # XXXX was posted XX/XX/XXXX Check # XXXX showed on our account XX/XX/XXXX I contacted XXXX XXXX, who advised that the check had not been received. I told them that the said check had indeed been cashed. XXXXXXXX XXXX checked but came back to say nothing had been received. 

On checking our account we see that the check was not endorsed on the reverse side and immediately contacted Chase Fraud Dept. We made a Declaration of Unauthorized Endorsement as requested by Chase. Since then we have made many phone calls and a visit to our local Chase but to no avail.

I learned from Chase the the bank where the check was deposited was XXXX XXXX XXXXXXXX On XX/XX/XXXX we received a letter from Chase saying that the depositing bank is responsible for repayment but had not responded to the Chase claim. Chase now say if they do not hear within 90 days of our clam submission they will close the our claim and the funds will not be recovered. This can not be correct - Chase know the bank where check was deposited and XXXX XXXX XXXXXXXX must know who cashed the check. It all seems very straightforward.
Product: Credit card or prepaid card

Bank of america closed my XXXX debit card and I still have money on it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from XXXX on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

My credit report showing i owe the credit card company
Product: Credit card or prepaid card

I mailed tender of payment to American Express in the form of a {$1.00} United States Postal Service Money Order which is negotiable and backed by gold which is the only real money. It stated " I accept your offer in the amount of {$5900.00} for valuable consideration and tender this payment for the complete amount in Accord and Satisfaction upon accepting this instrument '' They cashed it and credited my account {$1.00} and claim that there is still a balance owed. This in incorrect. They received the payment. They cashed it. Account should show settled. See UCC 3-603 and 3-311 Per UCC this account is discharged for the full amount tendered. 

Prior to this, many negotiable instruments were sent. At 1st the account was credited and then they were all reversed and my accounts were closed without my authorization.
Product: Debt collection

Detected unauthorized accounts in my credit report ; kindly ensure they are blocked and erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX
Product: Mortgage

Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks
Product: Payday loan, title loan, personal loan, or advance loan

I have a title loan with TitleMax on my 2023 XXXX. I believe I was misinformed or misled regarding the monthly payments because I checked back every week and the payment amount has increased.. I have paid over {$6000.00} in payments, and a loan has only lowered from XXXX total to XXXX for a payoff. I have requested an itemized statement of every payment that Ive made to be mailed to me. They refused and theres no place on the website to see my payment history, I have not had them try to take my XXXX yet and I am making payments on it when I can however, every time I log into make a payment the demand or amount they requiring higher
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

Capital One Credit Card has been charging continuous regular interest rate plus cash advance interest rate, even the loan was fully paid. I used it again the following month after it was fully paid, and the usual interest kicks in including the cash advance that i took for {$200.00}, XX/XX/XXXX, and had been charging me interest since then till XX/XX/XXXX for almost $ XXXX/per month for the past 3years on top of the 25 % interest every month. Even I almost paid it off XX/XX/XXXX, but they are continuing to charge cash adv interest, thy offered me {$20.00} credit this month, but i told them that i will report them and the {$20.00}, is not enough credit for the interest they keep on billing me. They told me to call again next month to check and see if I was billed again for the cash adv int. but i just want to let you know for the credit card companies bad practice killing the small people, trying to keep afloat in this difficult times.
Product: Debt collection

National Credit ADJU... Remove credit report ... My rights under 15 USC 1681b