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

Dates, Amounts, actions was taken to remove inaccurate information but companies isnt complying Ive sent out 9 letters to credit bureau and the companys listed on my report. XXXX XXXX paid in full never late, Vystar paid off never late not reporting accurately, XXXX XXXX isnt my account it was reported as fraud I have police report to prove. XXXX XXXX never late paid in full reporting inaccurate
Product: Credit card or prepaid card

So on XX/XX/2020 I got my prepaid card in the mail. When I went to activate the card it would not work. It was telling me I was putting invalid information but I am putting everything in correct.
Product: Credit card or prepaid card

In XXXX, I filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He took all my credit cards and made unauthorized charges. I left my home in XX/XX/XXXX. I am homeless and living in a XXXX XXXX XXXX XXXX XXXX. He stole my computer, changed all the passwords, and emptied our marital account. I have police reports to support this. He has my social security card and my passport, birth certificate and marriage certificate. I am in court proceedings against him due to his XXXX XXXX XXXX XXXX the XXXX XXXX  on XX/XX/XXXX. I froze my credit on 3 credit bureaus, called all my credit card companies to shut down and replace them. Citibank Sears, Citibank Best Buy, Citibank Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, are all investigating but have refused to issue replacements and the fraudulent charges are still on my cards! Furthermore after not issuing replacements, the Citibank people are rude, nasty, and keep harassing me by phone and texts to collect on unauthorized charges, refuse to verify my identity, keep sending me letters, and refuse to help me recover my accounts. It is very frustrating to endure this financial terrorism at the hands of my credit card companies. Lastly, I have been proactively since XXXX called all my credit card companies to notify them of my identity theft but the aforementioned credit card companies have refused to even acknowledge my efforts to regain control of my identity, compromised emails, and compromised phone numbers. They are sending correspondence directly to the identity thief and abuser!!!!! Please help me!!
Product: Debt collection

All debts are prepared for XXXX : TITLE 18 ( S ) 8 : TITLE 31-3123, Title 12-411 they are commiting fraudulent behavior I don't know these people they are commiting fraudulent Acts
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021
Product: Credit card

I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and not accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?
Product: Credit card or prepaid card

On XX/XX/2020 there is a hard inquiry on my credit report from PayPal. When I reached out to PayPal to look into it the automated system stated that there was an open credit card in my name. I have no history of receiving any type of credit card from Pay Pal and asked them to look into the card and close it as well as remove the hard inquiry from my credit report. The woman stated that she did not see any history of my information in her system and therefore could not remove it. However, the information is on my credit report and I never received any type of Pay Pal credit digitally or via a physical card.
Product: Debt collection

This debt was for work done for a company I no longer work for. The company is responsible for any outstanding debt. I have no financial obligation for this debt.
Product: Credit reporting or other personal consumer reports

Serval Companies has placed hard inquiries on my credit from XX/XX/XXXX until XX/XX/XXXX it has cause a huge impact towards my credit score and I want to have those hard inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to equifax and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXX SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!
Product: Mortgage

XXXX & XXXX XXXX XXXX ( XXXX XXXX XXXX We refinanced our first mortgage on XX/XX/XXXX which was serviced by PHH Mortgage. I have been waiting for the refund of our escrow impound. After two weeks I began calling PHH Mortgage and they keeping telling me they are looking into the matter but after 3 separate calls the answer is the same ; we are checking status and will get back to you. 

Please help me recover my escrow refund. The balance is over {$12000.00} and I had to borrow money to cover the impound account with my new lender. 

PHH Mortgage Services Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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.
Product: Vehicle loan or lease

On XX/XX/24, I filled out auto loan application online with Navy Federal Credit Union and was approved. On XX/XX/24, I went to the branch to complete the signing of the contract and pick up the cashier check for the dealership. I was advised that consumer lending department was closed early due to the Holidays. I was advised to return back on XX/XX/24 after the XXXX. I went back on the XX/XX/24 and the branch manager and the XXXX of the bank teller assisted me. They both saw and confirmed that the auto loan application ending XXXX was approved. The teller message the department inquiring about the paperwork, only to receive a message that the application is denied. The teller requested that branch manager come over to review the message and they stated that they did not understand what was happening. The teller provided me a card with the XXXX XXXX contact information for me to call. 
I left the branch and called once I returned to my residence. I spoke to representatives and Supervisors regarding the matter. They both confirmed that the application was approved on there end. The XXXX of the XXXX XXXX wanted me to reapply with the Auto Loan department for the application that I was already for approved for. I advised that the Supervisor that I did not want another hard credit pull on my credit. She stated that they will not do a hard pull on credit and she will request that the Auto Loan department would honor the approved application ending XXXX. She transferred me to the Auto Loan department and I was place on several extremely long hold. There were several different representative that came on the call. At this time I was upset and frustrated, I requested to escalate the call to the Auto Loan supervisor. She came to the call and stated that she did not see an approval only a denial. She wanted me to reapply for the Auto Loan, which I refused.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hello, My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX I was not aware of this transfer. I was made aware of the transfer when my credit monitoring service alerted me of a massive drop in my credit and I began investigations. The day i was made aware, I brought my account up to date and made all outstanding payments. I have an exceptional payment record to all parties. The agent who helped me let me know that " all the mail we have sent you has been returned '' and we determined that XXXXXXXX XXXX did not have my correct mailing address. They did not include the unit number and thus, I was never notified that my account had been transferred. XXXX had my physical property address All Digital communications from the bank ended in my spam calls from unknown numbers also were flagged as spam. 

I was transferred to customer service and they submitted a request to remove the negative credit memo they had reported, and said, " this is our fault as we did not properly notify you. 

The next day I was sent an email saying my request had been resolved and changes will be be reflected in my account. I called to confirm details of the resolution and was told my request was denied. After horrible customer service, I was told that this was entirely my fault and unless i can prove that they had the wrong address they could not help me. I am also confused as the statements that the customer service reps provided show XXXX as well as XXXX. 

Attached you will find the statements from XXXX showing that despite having the correct physical address, they did not include the unit number which resulted in all the mail being retuned and me not being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
Product: Checking or savings account

I went into the main First Hawaiian Bank branch ( XXXX XXXX XXXX ) on XX/XX/2023 at about XXXX. I proceeded to speak with XXXX, a teller, and told her I wanted to open a bank account. I gave her my driver 's license, XXXX ATM card and waited. She took out {$20.00} from my XXXX account ( the minimum required to open a FHB account is {$20.00} ). 

She took me to the new accounts area and XXXX XXXX XXXX assisted me. 
She said she needed my driver 's license and Social Security XXXX. I said I didn't have my SSN card. I then told her that I had attempted to open an account online a few days ago, she said she would call XXXX, the FHB Direct manager. She didn't answer, so XXXX called and spoke to XXXX. 
She had me fill out an information form. Then she said there was some type of error on her screen. She went into the back for approximately 30 minutes. When she came back, she said she didn't know the nature of the error. She then called the IT department and they couldn't fix the problem. 

I asked to speak to the branch XXXX or the assistant branch manager ( XXXX XXXX or XXXX XXXX ). She said she would have to email them to see if they were available. She emailed someone and then send they were both unavailable. 

I said I had to go because I had other things to do. She said she would have XXXX call me by the end of the day. 

I don't understand why it is so hard to open up a personal checking account at First Hawaiian Bank.
Product: Debt collection

this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX  on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

The coinbase app prevents me from seeing balances in my crypto wallets. I contacted support via chat and did all the steps I could do and that still didn't fix it. I asked for a supervisor and the agent, XXXX, refused.
Product: Debt collection

Wetsch Abbott Osbourne Van Vliet PLC is attempting to garnish my wages for a alleged medical debt which has not been verified or investigated by myself, or the other parties allegedly involved. 

I'm unaware of any of the debt that I'm being accused of, and upon multiple attempts, have not received information regarding the supposed debt, or the court information from the above mentioned PLC. The last contact to Wetsch Abbott Osbourne Van Vliet was made around XX/XX/XXXX I believe ... (? I'm unsure of dates at the moment, because I'm unable to get a hold of a representative with WAOVV PLC, even after multiple calls and messages ) the woman I spoke with at that time, said that a representative would be getting in contact with me and they would put my account on " hold '' ( which I understood as " dispute '' upon her explination ) until further notice. I never received a phone call. Never received mail notice. Never received an email, a voicemail, or ANY contact whatsoever from this company in regards to this debt I supposedly owed. I was never served any papers to inform me that they were going to attempt payroll deduction, and with supporting XXXX children, a 25 % wage cut is not something I'm capable of doing. With school starting soon, I'm in dire need of funds, and I feel like I'm being rushed and conned into paying for a debt that I'm not responsible for. 

This morning, XX/XX/18 I received an email from my office payroll department informing me that my pay was to be garnished by WAOVV PLC without any notice from the company whatsoever. I have 2 days ( XX/XX/18 ) to turn in a " Release '' from the court saying to stop the disbursement, which is nearly impossible. I have calls and emails into the court for that documentation, but I'm unsure when I'll be able to get a response to my request for release paperwork. I called WAOVV PLC three times this morning to no answer, stating that their offices are busy and to try back at another time. The entire time this " judgement '' has been made against me, the amount has gone up due to interest, which was supposed to be put on " hold '' per the last conversation I had with their employees. I'm being charged to NOT be contacted upon request. 

Their business practices are completely erroneous, along with the claim that I owe for this medical debt which I wasn't aware I even had ; nor aware I was out of " hold '' for. 

I'm currently searching through my records for the last contact date with this debt collector in attempt to provide better details. 

I'm asking for help from whoever has dealt with this because I'm unsure where to turn at this point. I can't get in contact with the company trying to take my money, and they've made no effort to contact with me directly at all. 

Please help. 
-Concerned Broke Mom
Product: Mortgage

Subject : shellpoint Loan : XXXX ( Rate Correction ). 

Dear CFPB & AG office : Greetings, attached are documents confirming the Shellpoint interest rate error that occurred on my loan in XX/XX/XXXX. Shellpoint raised my loan rate to 3.75 % in XX/XX/XXXX, ignoring the fact and document that XXXX XXXX   Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX Document and loan statements ). 

1. This error occurred 9 months ago and still has not been corrected, despite my continued phone and written communication and documentation to remedy this error with ShellPoint. 

XXXX XXXX  Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX  Document and loan statements ). 
Please credit my XX/XX/XXXX to Present loan payments to the principal of my loan and credit interest paid for these months back to my account. 

I have Communicated this Shellpoint Interest Rate Error with the following Shellpoint Managers seeking their assistance in resolution via documentation and written contact. without success : 1 ). XXXX XXXX, 2 ). XXXX XXXX, 3 ). XXXX XXXX, and 4 ). XXXX XXXX as well as the 5 ). Shellpoint loan servicing department Shellpoint must correct their error by : 1. Correcting my Interest rate to the lifetime lock rate of 0.01 % for all months past and present of the loan. 
2. Credit my account the over interest payments made since Shellpoint 's XX/XX/XXXX Interest change to 3.75 %. 
2. Mail a New XXXX Corrected ( Interest Paid ) statement and 3. Correct XXXX interest paid statements to reflect the correct 0.01 % Rate. 

Thank you for expediting this matter. 

Regards, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX