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

While my XXXX XXXX was still XXXX I decided to go and get the cheapest truck in XXXX the XXXX XXXX. I went to XXXX XXXX in XXXX XXXXXXXX XXXX. They pulled my credit XXXX XXXX in XXXX day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$XXXX} down payment. I found out about the XXXX hard hits when the denials came in the XXXX XXXX. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their XXXX XXXX sent me a XXXX page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.
Product: Credit card or prepaid card

Theres a few things a few banks I have issues with that Ive had problems with US Bank and XXXX XXXXXXXX XXXX, as well as union bank in California. XXXX XXXX another one. Tell this year is Ive been trying to receive my money from the XXXX  as well the XXXX XXXX XXXX they deliver their money to their banks or their establishing, and stay on, but I never seen to receive it especially with XXXX XXXX I can give me long list and insists and I dont have exactly what you guys want for me to show you but I have proof if you could get hold of me and I want see if I can resolve this I just want my money that I work for XXXX is another. How do you want that I need to check into it so Im going to others and ever receive my money for my customers to pay me houses in some kind of problems going on with something in the middle of in between pocket so I figured I was I was a victim is it that that is the reason. Im just tired of not exceing the money the mu I said to pay for have a ride services. As far as my customers go out I do great job I havent received one paint I think someone see if you could look into his XXXX XXXX  as well
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Debt collection

Multiple letters have been sent out to Experian Credit Bureau. 
Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have contacted MOHELA Student Loans since XX/XX/XXXX Several times, in XX/XX/XXXX I contacted them three times in reference to qualifying months that were not updated for XXXX. They repeatedly had me submit my certifications. In XXXX and then again in late XXXX, I contact them again for XXXX  months prior to the lawsuit. The months in question for XXXX are XXXX through XXXX and those in XXXX are XXXX through XXXX, which would place me at XXXX payments for XXXX XXXX duty and I would have met my forgiveness. When I spoke to the representatives in XXXX, all of which is documented, they advised me that I would see updates within 5 to 7 days that never took place. I have also reached out to the Department of Education XXXX and they simply refer me back to MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer services offered me a settlement amount I paid it and they sent me a letter that effective XX/XX/18 my account is settled in full and my account is closed. They said that they sent this info to all three beaurea. It is still reporting incorrectly and every time I dispute it with the beaureas wells Fargo says that I still have a balance. I opened a complaint with Wells Fargo office of the presidents and the dispute was settled telling me to send the letter they gave me to the reporting agencies and they should honor it but that's not what's happening. They are all ignoring the letter.I have a pending home closing and I'm scared that I'm gon na lose my home because of this Help!!!!!
Product: Credit card or prepaid card

Discover card is holding onto a payment of {$85.00} and not posting it account. I called Discover card customer service and I was told it could take two weeks. I have never had a returned payment in the past and account has been open almost two years. The funds have already been withdrawn from my checking account now for over a week. I feel this ridiculous. I want the payment applied immediately or the funds returned to my bank. Discover card or any bank for that matter should not be allowed to hold funds in limbo for 2 weeks or for however long they feel like it. This should be against the law and I feel further government regulations are required so banks such as Discover don't take advantage of consumers. I also had a slimier issue with XXXX XXXX but what XXXX XXXX did is the called my bank with me on the other line and they confirmed that payment cleared then they released the hold of funds on my XXXX XXXX credit card. Discover card should do the same as this is totally absurd.
Product: Mortgage

In the last 8 years we have tried to get help with OCWEN and now PHH. Always denied, so we filed Bankruptcy but constantly having to refile due to them refusing to help. We paid in through Bankruptcy and brought down outstanding balance to {$290000.00}. But in reduced payments by bankruptcy, we owed XXXX, but they increased the amount due to {$210000.00} making it over XXXX owed. I have tried to talk to them and file to reduce the XXXX interest rate. I have sent them letters to take back fees and payments off so we can get a mortgage. They assessed over XXXX in expenses and payments when PHH took over last year. I begged them to help due to my husband XXXX of XXXX. He died last year in XXXX. He had a lot of health issues in the last eight years that put us so behind and because of medical bills we had to file bankruptcy. And this is the second time I filed bankruptcy to try to save the house. I am a XXXX veteran sr. Citizen and having a time understanding why these people can not help me. The amount that they want every month is way too much. They want me to pay $ XXXX  monthly for a mortgage payment. I just need help trying to save my house. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went last year and got dental work. I used a credit service to help pay the remaining balance. With the company, they're require you setup account on autopay. Which I did. My finalize report showing late fee charged when you can't be late if you're setup autopay. XXXX of this year, my account would have been paid in full. I did have an issue on two payments, but I paid. XX/XX/2022 I paid account in full and the account was closed. But they're still reporting to credit agencies that I have delinquent account, which is not true. It has made my credit score drop 8points and how it went from fair to poor.
Product: Credit card or prepaid card

It started Wed, XX/XX/2019 when I had my XXXX card pay my Capital One card a XXXX at no interest for one year. It turned out I gave XXXX the wrong card number and called back within 5 minutes and asked to send the money to the right card they said no problem and it would take about 2 weeks for them to receive the money. Needless to say they sent XXXX to each capital one card. I called Capital One and explained what happen and how should I handle the XXXX dollar credit on my second Capital One card? They said it would not be a problem and they can credit back to me where would I like them to send it? I told them to credit back to the Bank account I have on file that I make my payments from. They said that would be no problem and I did not think anything of it, I have an Auto Loan with over XXXX with them and over XXXX in Credit with Capital One. That was over 2 month and 20 hours on the phone with capital one at least 3 time a week. Long story short they removed the XXXX credit off my card but I never received the money back? They had me 3 way my bank and XXXX card several times looking for the money. Both my Bank and XXXX card told Capital One they never received the XXXX about 20 hours on the phone now total with Capital One trying to get my XXXX. Last week the last person I spoke to said he would put in a request and gave me a case number that documented all this and to have my money refunded again. Told me to wait 2 weeks and they would contact me, never heard any back from them so I called back in to see where my money is. They looked up the case number and told me the same thing all over again and that it is too bad they sent the money to my bank or card their not sure and that my Bank or other Card is lying to me and they have my money too bad!!!! They are not refunding it again and they do not have to prove they sent it?
Product: Credit card or prepaid card

I obtained legal advice through XXXX XXXX law firm to assist me in communicating with Bank of America requesting their consideration for settling my credit card debt. The amount owed was {$5900.00} as of XX/XX/2019 billing cycle. At this time, due to two different trips to the ER for an XXXX XXXX, several trips to the XXXX, multiple car repairs that were needed, I was concerned that I would not be able to quickly pay down my credit card and it would eventually be charged off. I intended to get ahead of this, and hoped Bank of America would try to work with me. 

On XX/XX/XXXX, XXXX XXXX sent a letter on my behalf requesting that perhaps a settlement could be considered, along with more affordable monthly payments of {$150.00}. 

I continued to receive bill statements from Bank of America, but no response to that letter. On XX/XX/XXXX 's billing cycle, the amount due had risen to {$6400.00} with late fees and interest incurred. 

On XX/XX/XXXX, I contacted the law office again and stated that I had not received a reply. They had also not received a reply. They again sent a letter to Bank of America requesting a reply. 

Finally in XXXX, I personally called Bank of America. They stated that they are not required to reply to such letters. I found this to be in bad say. I had waited several months, thinking that my case was under review with them, and it was simply being ignored. This delay of processing continued to negatively impact my credit score, and has now increased the amount of money owed to Bank of America while I waited for several months hoping for a response on their part. 

On XX/XX/XXXX, XXXX XXXX reached out to Bank of America to inform them that they no longer represent me. 

On XX/XX/XXXX, XXXX XXXX reached out to me directly to inform me my account had gone to collections, however Bank of America sent the letter to them, not to me, as they should have. Again, this has caused a delay in my ability to respond in a timely fashion.
Product: Mortgage

Hello, my name is XXXX XXXX. I have a mortgage with Home Point Financial. I have been paying the mortgage via telephone with a customer representative. I made the XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$2000.00}. I used two of my financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I've been using these same two accounts to make payments previously. When I went to make my next payment for XXXX XX/XX/XXXX, I was informed that the last payment never went through successfully. I was very disappointed in this matter. I had received zero phone calls to inquire about the failed payment. I immediately paid XXXX payments ( {$4100.00} ) via customer representative again. After making the payment, I checked both my accounts and discovered that the necessary funds were readily available & for some reason unbeknownst to me, Home Point Financial didn't retrieve them properly. Now again on XX/XX/XXXX I discovered that those same two most recent payments have not been processed & the cash is still in my account. I called Home Point & was informed that I must use XXXX XXXX to pay. I did, and was charged fees in excess of {$100.00} extra to make the payment. I attempted a third time to make the payments today XX/XX/XXXX via the XXXX XXXX option. My account # with Home Point is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX
Product: Credit card

My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through. 

My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation. 

My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over. 

This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept. 

I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them. 

Payment Confirmation on XXXX/XXXX/16 of XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In XX/XX/2020 I paid all my Debts off and this company will not remove it from my credit report.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was totaled lost on XX/XX/XXXX and I had been making car payments that included my GAP coverage. Long story short XXXX XXXX and XXXX XXXXXXXX send their GAP Adjuster to the location of where my car is and their adjuster says its totaled in his report plain as day yet they say they cant pay because its not more damage than whats its worth. What??? The car is a total lost you should pay and your adjuster is the one how telling you it is no longer a drivable nor safe car to operate on any highway a total lost!!! Please help me!!! They are ripping me off all my money i have paid to them and the GAP coverage is bogus!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My trouble is with my XXXX credit card which is issued by the XXXX XXXXXXXX XXXX Bank. Here is what happened. 

When I paid my XXXX, XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars XXXX. 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from XXXX that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, XXXX reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low XXXX ). 

However, XXXX put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling XXXX and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked Experian to investigate. 

The charge was not removed. I contacted XXXX credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. XXXX put me through to a supervisor who said there was nothing he could do and advised I contact Experian. 

Experian said there was nothing they could do and I should contact XXXX. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.