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

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Im depressed and after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.
Product: Debt collection

I paid my balance in full on three separate occasions and they continue to bill me for a XXXX balance. The balance was paid in full in XX/XX/XXXX. This is with a Victoria Secrets credit card with Comenity Bank card that I havent used since XXXX of XXXX. I called the company and I was told my balance was {$24.00}, so I paid it. I checked my account and I had another balance of {$11.00}. I paid the balance in full. I have been paying cash for my purchases instead of using the card, because of so many problems. They keep billing me on a XXXX balance. I received a call today ( XX/XX/XXXX ) stating that they sent a balance to collections for {$40.00}. I checked my balance and it went from {$0.00} to {$73.00}. These are unethical practices. How can you charge someone on a XXXX balance? They sent me an email stating that they was closing account because of inactivity.. I should not have to be pressured to use a card, but Im okay with them closing the account. I do not want to do business with a company that use these types of unethical practices.
Product: Credit card or prepaid card

Due COVID-19 has a hardship from XX/XX/20 to XX/XX/20 I was not working and got sick, which cause me to fall behind the following dates : Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have called to see if they can see if they can help me get back on track. The account is closed and I am making my payments on time. They told me to do a dispute so they can get removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction
Product: Debt collection

Stewart, Zlimen and Jungers LTD have engaged in harassing tactics for going on two years now. They never informed me of my ability to dispute a debt, they sent fake ( ie look like XXXX County Court documents ) to coerce me to pay a debt I dispute, they claim I owe more then the amount and the amount granted by the court, they continually contacted me despite my now three times telling them to CEASE and DESIST and I complied with a court order by XXXX XXXX ( XXXX ) to verify that I the judgement they got against me, with out having me served to the correct address, were not collectable due to my only income being XXXX or other protected assets. 

Despite my third informing them to cease and desist and my filing a past CFPB complaint over the issue and they saying they will not contact me ; I received a letter dated XXXX18 trying to garnish a bank account they have already been informed of as only having XXXX as my income. 

This is a pure attempt at harassment and they are trying to cause fear and distress in making me think they have a court order to seize money they know is already exempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 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.

EXPERIAN 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: Credit reporting or other personal consumer reports

XX/XX/year> I pulled my credit reports from XXXX I have them attached. There are seven accounts that are reporting inaccurate. I know my rights as a consumer and I know that al my consumer reports must be fair and accurate. These seven accounts are reporting incorrect time frames and balances. This is incorrect information is affecting my livelihood and mode of living. I demand that these accounts are removed from my consumer reports due to inaccurate reporting. These accounts are reporting as " XXXX  '' every month and that is inaccurate. This is causing the statue of limitations to continue to be prolonged because the time is starting over with this inaccurate reporting. I submitted these disputes to Experian, XXXX, and XXXX because each agency is reporting this information for these companies. I have my letter, consumer reports and the laws that protect me as a consumer.
Product: Credit card or prepaid card

Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. 

When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. 

I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. 

I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. 

Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX XXXX XXXX XXXX still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. XXXX XXXX XXXX refuses to correct my Credit Report to show that the mortgage was PAID IN FULL
Product: Mortgage

Wells Fargo Mortgage Department Processed a Forbearance Loan with a very high interest rate because I was struggling trying to pay my regular loan payments in 2012. I was trying to save my home, because Wells Fargo was threatening to foreclose on my home. I was unaware the forbearance loan would increase my loan payments as well, that is exactly what happened. Wells Fargo indicated that I could apply for a loan modification at that time, which would lower my loan payments. I applied for the loan modification, with advice of the loan officer. Several weeks passed, I had not heard from Wells Fargo and I was told that, they could not locate my paperwork and I was asked to resubmit all the paperwork again. After months of having the same thing to happen, no paperwork I was denied because they had no paperwork for me. I submitted the same loan documents five time, only to be told they never received them. I never got a loan modification. I lost my home.
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention that my credit file contains accounts with no historical reporting data. Under to 15 U.S. Code 1681i Compliance protocol, these accounts must be removed from my report without delay.
Product: Credit card or prepaid card

In XXXX, XXXX ; JPMorgan Chase provided information on a separate, individual VISA account I had ; and XXXX other credit cards issued by Chase to an attorney who stated he was representing me ; that I " was ill, and not able to handle my credit cards accounts '', and Chase provided 8-9 years of credit card data to him, and my estranged wife. 
This was unbelievable to me ; because despite having a credit limit of {$46000.00} ; the minute I'm out of California, Chase won't even approve a {$50.00} charge without contacting me. 
But- with no contact, they provided this data ; and changed my mailing address in violation of the Credit Card Act of XXXX  ; to the address of the attorney. 
Chase merely sent me a form letter two weeks later confirming they had taken this action, " in response to requests from my attorney. '' I believe action should be taken against all three individuals, and I have requested Chase provide me with copies of the correspondence which started this action, and to date, they have not provided it. 
I desire personally to proceed against the attorney and my estranged wife, but need copies of this correspondence.
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

hunter and Warfield has attaches a debt that does not belong to me also the person has the same name but different social per usc 1692 a states that a consumer reporting agency must write or call or send letter to the consumer in reference to that debt however they have not per usc 1682 states that i have a right to privacy usc 1682 also states that i have a right to a fair credit report also debt buyer does have the original assignment nor does this company have the right to collect on the debt the debt does not belong to me
Product: Money transfer, virtual currency, or money service

XXXX/22- bank acct was hacked via pH call via XXXX XXXX 
XXXX22- fraud div. At bank immediately notified that I had been hacked. They locked down my accts. 
XXXX/XXXX/22 local police were called to notify them of scam/hack. They took pics of emails/invoice XXXX rec 'd regarding the purchase/hack. 
XXXX/22- bank would not speak with me til I got a new pH/number. 
XXXX/XXXX/22 traveled to local bank branch and chgd all my accts, passwords, XXXX and contact info. Was told 10 days to recover money or given a provisional credit. Told at that time Hack was a total take over of my acct and that {$980.00} had been taken out of ckg and that hackers had transferred {$2000.00} out of my savings to ckg but had not taken anything but the {$980.00} when I had called bank and notified them. 
XXXX22- called bank about {$980.00} was told that XXXX depts working on it at that pt and neither one was doing anything. Complaint was sent to bill pymt unit for cometion. Also I was told that money had been sent to Bank XXXX XXXX and that there was an email of XXXX. original # I called that strated this was XXXX. Person I spoke with was XXXX ( male, XXXX decent ). 
XXXX22- ph 'd bank about any progress XXXX22- contacted bank again and was told my 10 day resolution had started over on the 22nd and that bank had til XX/XX/22 to give a response and they also said that holding out hope of getting money back was slim. 
XXXX22- ph 'd bank again. Left msgs with XXXX, ID branch and main branch in XXXX, XXXX. No response. 
XXXX22-. Rec 'd msg from bank that they were not returning my money and suggested I call the person I sent the money to and ask them to give it back. Returned msg stating this was not going to happen I didn't know the person and didn't want them having new info on me. 
XXXX22- spoke with fraud unit 2 x. They said they weren't aware of bill pymt ctr decision and would look into further. Fraud unit called me back some 3 hrs later and told me that I was at fault and I would have to XXXX up the loss. Told them I had no idea who took my money nor had I authorized the transfer nor did I have a XXXX acct. At a loss as to how to recover stolen money from my ckg acct.
Product: Debt collection

See attached letter from Credit Acceptance, which shows a balance of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, my credit report is now showing a balance of {$4300.00} from Credit Acceptance, as of XX/XX/2021. This company is attempting to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX or XXXX that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response from my written request to XXXX XXXX XXXX XXXX florida to validate the debt. I wrote experian asking to send me the results of their investigation on the account and still did not receive anything in writing regarding the account for XXXX XXXX XXXX XXXX florida for {$1400.00} on my report. No reply from either company is continuing to hurt my credit as a consumer.
Product: Credit card

Subject : Complaint Against XXXX Credit Card for Account Closure and Incorrect Fees Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX Credit Card regarding the closure of my account and the incorrect fees that have been applied. 

On XXXX, I made a payment of {$460.00} toward my XXXX credit card bill. However, after a few days, I noticed that my account had not been updated, so I contacted the company for clarification. I was informed that my account had been closed due to being late and exceeding the credit limit. 

I find this situation troubling for several reasons : 1. According to the representative I spoke with, I had exceeded my credit protection limit of {$53.00}. However, when I reviewed my statements, it clearly shows that I had only used {$22.00} of my credit limit.

2. XXXX added several fees to my account, including {$30.00} for a late fee, {$32.00} for an overage fee, and {$6.00} for a credit protection fee. These fees have been incorrectly charged, as I was not over the credit limit based on the actual usage reflected in my statement. 
3. This was the first time I was ever late on my account. Given my history with this company, I find it unfair that they decided to close my account under these circumstances. 

I request that the CFPB investigate this matter and help me resolve the issue of the incorrect charges, as well as the closure of my account without justification. 

Thank you for your time and assistance in addressing this complaint.
Product: Credit card or prepaid card

I purchased a XXXX refrigerator at Lowes XXXX XXXX XX/XX/XXXX on XX/XX/XXXX opened a new credit account for a 5 % discount {$1000.00} I received a bill & in all good faith pre-scheduled a bank to bank electronic payment to Lowes/Synchrony Bank for XX/XX/XXXX which was sent. I did NOT receive the card yet. 
XX/XX/XXXX Lowes could not obtain or deliver the XXXX refrigerator, canceled my purchase & credited the account. 
I immediately advised Synchrony Bank on XX/XX/XXXX that Lowes canceled my only purchase from XX/XX/XXXX & I that I did NOT receive the card. They advised the card was mailed & authorized? with purchases on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in 2 Lowes Stores in towns out of my area? I requested a Fraud Investigation to be opened On XX/XX/XXXX I requested return of my {$1000.00} electronic payment due to Lowes canceled my XX/XX/XXXX refrigerator purchase. 
Since XX/XX/XXXX to present Synchrony Bank after numerous requests, has NOT & refuses provided me any proof I received or authorized their card for use other than 1 one purchase when Lowes opened the account. 
Synchrony Bank continues to block all my refund requests of {$1000.00} even with numerous documents including a Police Report filed on XX/XX/XXXX & sent to Lowes/SynchronyBank. At this time I believe that Lowes/Synchrony Bank employees are hiding something & /or acting in bad faith? 
On one call they told me " the system '' shows the purchase was authorized on a cell phone phone, YET I sent my XXXX cell phone records & I MADE NO CALLS until XX/XX/XXXX the date I called Lowes/Synchrony Bank? When I called their phone system, it gave me balance & account information from an OLD closed account I had from a prior refrigerator purchase made years ago???? 
Lowes/Synchrony Bank continues to avoid giving me any proof yet they defame me with form letters stating I authorized, participated or benefited from these 3 fraudulent charges WITHOUT given me any proof, yet they keep opening new Fraud claims? 
Lowes/Synchrony Bank repeatedly transfer me from one service team to another, claim that I am not responsible for fraudulent transactions YET the send my form letters and they REFUSE to show me any proof of their false defamatory claim that I made these unauthorized charges? Lowes/Synchrony Bank mailed a credit card that was stolen in the mail and Lowes/Synchrony Bank is TAKING ADVANTAGE OF ME. A senior and a long time Synchrony Bank card holder with multiple Stores. NOT ANY MORE!!!!
Product: Credit card

Wells Fargo just decided to close my credit card with out my prior approval. They are stating that my card has over six months inactivity. I have paid off my Wells Fargo card and have a zero balance, therefore I do n't understand why they closed my card?! The letter Wells Fargo sent me ( dated XXXX XXXX, 2016 ) also indicated " High Balance ( s ) as compared to the credit limit ( s ) or revolving line ( s ) of credit on credit report. '' Another reason is " Low payment ( s ) as compared to balance ( s ) in the last year on your Wells Fargo credit card ''. This makes no sense, since all payments have been timely. I have paid off all my credit cards including the Wells Fargo card in order to avoid debt and this is what I get?! I called the Wells Fargo customer service line on XXXX/XXXX/2016 and they were unable to help me ; the representative said that I needed to call XXXX. I will try them again tomorrow to see if they can reinstate my card. This is very unethical to say the least! Banks should not unilaterally close your cards as a sort of punishment for simply paying them down to zero. Please HELP!!!
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX I submitted a complaint to fraud department Bank of America about a company defrauding people under false pretenses of being investment company. Most of the scams our days happen through crypto because of irreversibility and anonymity of its nature. However, the transfer of money to crypto exchange platform of a person who has never done it before did not bring any questions from the Bank side. If I was warned about possibility of scam, if bank employees called me and looked into these transfers, I could have avoided loss of my hard-earned money.