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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I went to a Santander atm to withdraw funds all was going well until it was time for my funds to be dispensed I got an error message saying that there was a problem dispensing my bills I hit OK and that was it. The money never came out. I checked my account and the money was withdrawn from my account. I called Santander. They told me to call my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I mailed a valid money order in the amount of {$210.00} to Honda Financial Services for a payment for my automobile loan payment. The money order was undamaged when I mailed it. They sent it back to me, however the left end of the money order had clearly been cut completely off by a letter opener when their office opened the payment. They are refusing to post the payment even though they are at fault. They told me I only had a few choices, I could mail them yet another payment or I could do a payment by phone. I demanded to speak with a supervisor and I was told they would have to call me back at their convenience. They refused to give me a direct phone number or extension number for a supervisor and refused to give me the name ( s ) of the supervisor ( s ). They said someone would call me back in about XXXX or so. I told them I wanted this matter cleared up today. They have been calling and harassing my husband for the past 2 or more weeks for the payment when they had the payment in their office.
Product: Debt collection

I submitted two complaints ( XXXX, XXXX ) on XX/XX/year>. XXXX of them was closed by the company responding we will close and return the account. We will send a request to have the account deleted from XXXX XXXX 's credit report.. In my original complaint I attached a copy of a letter I sent via certified mail stating 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender me {$1000.00} U.S. must be payable to the order of XXXX XXXX and received within 14 days of this letter. The timeline for them to doing the following stated above has reached the deadline on XX/XX/year>. The collection is still on my credit report for all three credit bureas, it says closed but it is not deleted as they stated they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I travel a lot because I am a XXXX XXXX. I try to make sure my information is secure and safe but it has still been compromised. For the past 8 months I have been submitting in disputes as well as calls to Equifax about the fraudulent data they are reporting on my credit report. One thing that really irritates me is they report fraudulent accounts/data but fail to list the name and account numbers of the accounts which makes it hard to dispute. I have had to do a lot research to gather the information. 

Anyway- I have enclosed a copy of my police report that was filed. I have also had the police report notarized and I have included the police captains business card in case anyone has any questions. I have 4 fraudulent accounts on my Equifax credit file and unanswered/unknown inquires that have been posted to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my Transunion credit report for my installment loan from XXXX XXXX that was paid off on XX/XX/XXXX. In early XX/XX/XXXX my loan was updated to a paid status & XXXX loan balance. On XX/XX/XXXX, I received an update from Transunion that my previous dispute was resolved. However, Transunion changed the account status back to open and with a loan balance. I tried to dispute this again online and it said it required manual processing. I call them on XX/XX/XXXX and they said they could n't help because another dispute is in process. They would not except my explanation and said to call the creditor. I previously spoke with the creditor and they said they sent Transunion a paid loan status & XXXX balance on XX/XX/XXXX. A  copy of the information will be provided in my submission.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX  XXXX  and CFPB unless you can provide verification of original signature. 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 {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Money transfer, virtual currency, or money service

On XXXX a {$100.00} transaction was performed from a PayPal account that I manage in the name XXXX XXXX XXXX XXXX to a merchant called XXXX XXXX XXXX XXXX XXXX I immediately disputed the transaction with PayPal via their online mechanism as the transaction was not performed by me or anyone authorized to do so. I do not recognize that merchant and have no idea what the transaction is. 

PayPal subsequently " Closed '' my dispute case saying only that they determined the transaction was not unauthorized but without providing any further details. 

I escalated that matter as a complaint via their online mechanism and they again subsequently " closed the case '' again simply repeating that they found no evidence that the account is unsecured and suggesting that I contact the merchant if I have any problems with " my purchase ''. I again escalated repeating that I did not make any purchase with this merchant, I have no idea who they are, and they have not responded to any emails that I've sent to them. 

PayPal has failed to provide any information about the transaction or how it was authorized, nor about how they seem to determine that the transaction was " not unauthorized ''. The transaction should be immediately reversed and they need to provide relevant information on how the transaction was authorized in the first place. I'm concerned that the significant balances that are sometimes held in our PayPal account are at risk of theft and PayPal is refusing to provide ANY protection or recourse against fraud committed on their payment platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX   still no answer. BK discharged XX/XX/XXXX
Product: Credit card or prepaid card

Capital One charged my account twice for an item I purchased through XXXX. Capital One closed the account and issue the a credit. However two months later Capital One charged the new account with the same charge. I called back and spoke to a rep by name XXXX. She told me Capital did NOT consider the charge fraud because I provided the account number to XXXX despite the fact that I was charged twice for the same item. XXXX from Capital One contacted XXXX employee/supervisor who promised to credit back the account. However that did not happen and it has been over one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Product: Bank account or service

I opened an checking and savings account with Chase bank last week, This Monday I called and closed the account because the funds transferred from my XXXX mastercard/atm card was taking to long to appear on my accounts, I called Wednesday to check the status of my money being returned from Chase bank to my XXXX bank account ( where the original funds came from ) and they state they cant find my {$50.00}. It is mandatory you deposit {$25.00} to open an each account ( checking and savings ). I have called Chase and my bank XXXX to try to resolve this issue because it is causing me financial hardship, either bank will confess to the error or fix it.
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX XXXX around XXXX or XX/XX/2014. Since then, the loan has been sold more than once but the servicer has not changed from Gregory Funding, LLC which is currently the mortgage servicer. Gregory Funding has been receiving more than the monthly due amount each month for years yet they refuse to report payment history to any of the credit agencies. This act has caused me the opportunity to refinance and further obtain any credit for the payments being made. Coupled with the fact that XXXX has a picture of myself and my wife exiting this home. we are being identified as XXXX in an affluent neighborhood and the refusal to credit the payment history is discrimination coupled with the fact that any lender can readily identify the applicants ( me and my wife ) as XXXX people- based on the fact that XXXX shows our picture at this address.
Product: Debt collection

On XX/XX/2023, I requested that RMP LLC stop contacting me via telephone. They have continued to call me at least once a day - frequently more!! - every weekday, since then.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date of BirthXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 fraudulent
Product: Student loan

I have recently completed a 5 year repayment of my debts as part of a XXXX  XXXX Bankruptcy repayment plan. I made diligent monthly payments for 5 years as part of my XXXX  XXXX plan- never missing a single payment. I have received my legal confirmation that my XXXX XXXXXXXX is paid in full and has now been closed. However, in the case of XXXXMohela -- they contacted me after the bankruptcy closed to say I owed them an additional {$8900.00} and that payments would need to begin immediately. I called Mohela immediately to inquire -- Why do I have a balance due? Was this an accounting mistake? Did they not understand the XXXX  XXXX payoff memo? Or is there some other reason that this amount was not claimed/included when they were contacted as part of my XXXX  XXXX process? I do not believe I'm responsible for this amount, and I asked over 5+ long telephone calls, multiple unhelpful call-backs from " supervisors, '' and many harassing emails and phone calls trying to collect on my " debt. '' I have submitted requested proof of payoff to Mohela, received no reply, received an account history, but still no confirmation of why the amount they now claim I owe wasn't included in my 5-year repayment plan. I'm now being threatened with late payment fees and negative reporting to credit buraus for late payments -- this has been very frustrating, and I feel I'm being strong-armed into paying without proper understanding of why this debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to Experian and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?
Product: Mortgage

In XX/XX/XXXX I was granted a mortgage modification by XXXX XXXX XXXX XXXX. In XX/XX/XXXX the servicing of the mortgage was transferred to Mr. Cooper. The company did not honor mortgage modification and I was overcharged. In XX/XX/XXXX I brought this matter to their attention. I have not heard anything from them.
Product: Debt collection

I had a Wells Fargo Credit Card since XXXX with a {$2000.00} limit. My account has always been in good standing but I travel often for business so I put my Card on Autopay and would sometimes call in to pay down the balance to keep it below 30 %. In XXXX I decided to analyze all of my charges since I had moved and cancelled a few things like Gym membership for example. Well I noticed that I was charged and had paid several items over the course of XXXX months on my bill that were to be removed. I filed a dispute with Wells Fargo against these companies for Autobilling and charging me without authorization. Wells fargo told me they would look into and get back to me and I would not be charged any interest or additional fees until it was resolved. This was in XXXX - XX/XX/XXXX when they told me this and I called every month to get resolution but was put on hold and shuffled around from person to person and departments trying to come to get this matter handled. This went on until XX/XX/XXXX when I noticed my bill went from {$1800.00} of which about {$1200.00} of that was in dispute to over {$3100.00} with all kinds of other charges and fees, keep in mind I could no longer use the card and was told by Wells Fargo my account was closed and that I owe them this {$3100.00} they told me that they can only go back 2 Months and credit me for any Billing errors and that was their final decision. I had made contact with their Fraud dept as well and no resolution. I then started receiving calls from a Third party Collection agency whom Wells Fargo sold my account to and was called and harassed day and night by these people after being shuffled around and shut down by Wells Fargo themselves. In XXXX of XXXX I hired a Credit repair company who had my file transferred back to Wells Fargo and they came to an agreement in which Wells Fargo had agreed if I had paid 40 % of the Amount they were seeking it would be closed as satisfactory and any negative item removed from my Credit Report as this has taken at least 80 points off of my Credit score. Well Fargo has not done any of what they promised and I have been put on hold for 2 hours, transferred between departments and told they never agreed to that when in fact the Representative told me by paying the 40 % amount this would close my case and appear as satisfactory and paid closed on my Credit report. They have lied and wasted 2.5 years of my time on this matter when I was initially told NOT to pay as they investigate any and all charges in Late XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, TRANSUNION, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my finance company.The very first day I got the car I tried explaining to XXXX ( sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX  miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over XXXX to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial.
So, I was speaking with a rep from XXXX who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that XXXX hired them to repo the car. Both of these companies has violated me. XXXX should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$430.00}