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

The XXXX computers on mortgage companies ' websites are telling the people who log into loans sold that if they are late, the payment is XXXX months due. 
The reality is that a mortgage loan is not late for XXXX  days, and a late fee is not allowed to be charged until the XXXX  days pass XXXX is reporting late and another payment due on the website and it is not true. 
The payment is not late for XXXX  days the computers are not allowing for the grace period and they are selling the loans with late to the new lender, so they show it late on the XXXX day to collect the payment and the new lender thinks the payments are late and collect XXXX payments, XXXX XXXX who has XXXX as the collecting lender did this and never shows the payments made just deletes the credit from the credit report and never responda Same with Dovenmule loans that were sold to XXXX, they took XXXX payments, to get caught up when you are not late my payment is due on the XXXX but the note say more than XXXX  days late a late fee will be assessed, but the log in shows XXXX  months payment due, this after they said they sold the loan. Just like XXXX and XXXX the collector of the payment for XXXX who sold the loan to XXXX who said XXXX payments are due, when in fact no payment is due until after the XXXX paid the lender and they said the next payment is due XXXX of the month and they collected and showed XXXX payments due just like flagstar XXXX the same when they are selling the loans, You have to help the people this is not right, they are sending letters that the loan will be sold then showing the payment as late and the XXXX payment due even though the loan payment is not due on the XXXX day of the month. All USDA loans have a XXXX grace period. They need to correct all payments as current on credit and since they are scamming people per the law they need to refund all the money. XXXX and XXXX HAVE all Money REFUNDED to the Customers as this is mortgage FRAUD Fine the and refund the money and as the law says no loan payment is ever due under XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

We purchased just under {$6000.00} in furniture from XXXX financed under their financing program via TD financial services. This allows no-pay for 3 years at a reasonably low interest rate. In the first month, we paid a monthly minimum of {$200.00}. In the second month the totality of the balance, approx XXXX, was withdrawn from our checking account. In XX/XX/XXXX we contacted TD finance with the complaint that we believed this to be in error - either a system error or a portal UI that was confusing or misleading. Why would we finance a purchase and pay it back in the XXXX month. To TDs credit, they agreed to return the money and reinstate the debt balance ( effectively reversing the transaction in full ). They then reinstated the debt, which shows in full in our portal, and are charging interest on it. Weve paid a month of interest and principal ; however, they have NOT returned our payment. Despite numerous calls, at times on hold for 45 minutes, we have not received a check, wire or other reimbursement. TD reps have indicated it should have been received but can provide no tracking number or additional information. We are now in a situation where we are paying interest and principal on a loan that has been paid ( ie the bank is both keeping our money which is sufficient to pay off the loan and charging interest on the loan ). Assuredly this is a bureaucratic issue which I am not unsympathetic to but this needs to be resolved asap.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. There are multiple accounts on my report that I don't recognize. I did not open these accounts. I have not used these accounts. These accounts should not be on my report. 

XXXX : XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$720.00}. 
XXXX. XXXX XXXX XXXX XXXX # XXXX, date opened XX/XX/XXXX, amount of {$220.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$620.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$340.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$200.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$120.00}. 
XXXX. XXXX XXXX XXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$610.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from XXXX but still showing on Transunion and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my Transunion report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account XXXX : # XXXX ********* advised me that they do not have this account, and it is not mine but is showing as a collection on my XXXX
Product: Credit reporting or other personal consumer reports

Account NameXX/XX/XXXXAccount Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information.

The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards,
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2023. I had requested they provide me with proof the accounts alleged belong to me. It's now been over 30 days and I have received no response from either company. As I told XXXX XXXX and XXXX XXXX XXXX XXXX these accounts DO NOT Belong to me. I would like these removed from my report immediately!
Product: Credit reporting or other personal consumer reports

There is a gym membership account from XXXX XXXXXXXX in collections with Aldous and Associates on my XXXX credit report that I never opened. I have never been inside of any XXXX XXXXXXXX location and I most certainly never signed any contracts with them. I had a former XXXX 's XXXX membership which I ceased using in XXXX. The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX moved to a new location in XXXX which I never visited. In XXXX they filed XXXX XXXX bankruptcy and the court ordered liquidation of all of their assets. I then began getting debit card charges from XXXX XXXXXXXX operating out of the former XXXX XXXX XXXX location that I never stepped foot in. I called XXXX XXXXXXXX to have the debits stopped but was hung up on several times. I eventually closed my bank account they were using to collect payment. XXXX XXXXXXXX now claims I owe them {$200.00} and has reported this on my credit report. I have never been in their gym and refuse to pay for something that will be on my credit report for seven years, especially since I've already paid several months before I closed my bank account. I do not believe I legally owe them any money since I never verbally or in writing made any such agreement with XXXX XXXXXXXX or Aldous and Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account does not report as paid off, and it says I was late 3 times. I was never late as the account automatically withdrew from my checking account.
Product: Checking or savings account

My account was charged with three transactions I did not authorized. The first transaction was on XX/XX/2020 for the amount of {$3400.00}. The other transaction was made on the XX/XX/2020 and was for the amount of {$6200.00}. The other transaction was on the XX/XX/2020 for the amount of {$2900.00}. The bank is saying this is my fault because I shared my XXXX XXXX information I did not share my log in or password information for XXXX XXXX or my bank. The only information that is public is my XXXX XXXX name that is used to receive money. I did not shared my routing or account number I dont know how was possible to make this transaction. I need help. I have filed a police report and also an identity theft report.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Late Payment Due to Hardship Dear Sir/Madam, I am writing to request the removal of a late payment from my credit report. The late payment in question is from XX/XX/year>, reported by XXXX XXXX through the XXXXXXXX XXXX  credit builder. 

Due to an unexpected job loss, I was unable to make the payment on time. This was a temporary situation, and I have since secured new employment. I assure you that this will not happen again. In the event of any future financial difficulties, I have arranged for a family member with saved money to assist with my payments until I can reimburse them. 

Given the circumstances, I kindly request that this late payment be forgiven and removed from my credit report. 

Please consider my request and update my credit report accordingly. 

Thank you for your understanding and assistance. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX investigation has only been updated but no documentation or proof of Method of verification has not been verified. XXXX XXXX XXXX has been re-aged and this is a direct violation of the FCRA and the bureaus are not removing this inaccurate erroneous accounts from the credit profile. I would like these accounts to be removed immediately. Attached are the disputes that were sent to the bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act the ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against XXXX Equifax and the XXXX XXXX XXXX XXXX.
I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give XXXX a chance to resolve this issue. I filed a re-investigation, and still to no avail XXXX and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
Product: Credit card

I made two purchases that in hindsight were both likely XXXX scam websites. One from XXXX, and one from XXXX XXXX XXXX XXXXXXXX has failed to provide timely chargebacks on these fraudulent activities, leaving me footing the bill thus far for {$2000.00}. 

The XXXX  purchase ( {$31.00} ) was made on XX/XX/XXXX after seeing a XXXX ad linking to that site, and I disputed this transaction on XX/XX/XXXX when I finally received the item that shipped directly from XXXX, and it was markedly different from the product description ( details of this are described within my chargeback message ). The website is now recognized as a malware/scam site, because trying to navigate to it throws the error shown in Appendix 1 below. There is no way I can safely contact the vendor given that web browsers now prevent navigation due to known malware risks discovered only a few days after I made my purchase. 

The XXXX purchase ( {$1900.00} ) is much more concerning due to the large cost. This purchase was made on XX/XX/XXXX, and a dispute filed on XX/XX/XXXX, two days after the last day my item should have shipped, as well as after the 3 communication attempts I made to ask about order shipment status and eventually order cancellation went unanswered by the vendor. Since that date ( at least as of XX/XX/XXXX when I last checked ), XXXX has removed the vendor from their website, as XXXX no longer exists. They must have determined it to be a scam. 

I have ample evidence in both cases that I was scammed through seemingly legitimate sources ( a XXXX ad and a XXXX-hosted storefront ). However, Alliant has not only been dragging their feet in providing this money back to me as I am still required to pay for these charges, they are not communicating over their messaging system or through phone calls to me regarding status updates on these disputes. I have no idea what the status is of these chargebacks, particularly the {$1900.00} one, and I don't want to have to pay for being scammed. This is a VISA card, and VISA 's policy is as follows : " If it relates to fraudulent use of your card, you are protected by our Zero Liability Policy. If you can't get a refund from the seller, you should make a chargeback claim within 120 days of purchase. '' Appendix 1 : XXXX XXXX XXXXXXXX Page blocked by Threat Protection Weve detected malicious code on this web page and blocked it for your security. We do not recommend visiting this page as it may harm your device.

Threat detected : Malware This website has been identified as a malware site. Malware infects your computer and can include viruses, worms, spyware and trojan horses
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments with XXXX XXXX  and it showing on all three bureaus XXXX, XXXX and transunion credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.
Product: Money transfer, virtual currency, or money service

I had an account with paypal.My business was going on well until I got an email from them that I am in violation of their policies, which does not state why, and there is no way to contact them, yes, no way to contact them.It was meant to last 180 says which expired XX/XX/2019 .I have been unable to withdraw since then, for a year and 3 months.This happens a lot to customers. 
My account ID : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the Credit Bureau ( TransUnion ) and notified them of Fraud and theft of my identity. An inquiry was placed on my TransUnion ( XXXX ) on XX/XX/2021 that I did not authorized. I notify TranUnion and also Summited vailed documentation to support these claims. I was told nothing could be done about it.
Product: Vehicle loan or lease

Off lease only over charged for a down payment and I was told I would get the money back to use as assistance for a newer car and also refinance my current loan whenever I was able and ready and now they are out of business. And my current loan does not provide refinancing. This is fraudulent services
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX pm I used a XXXX XXXX XXXX a.t.m. I then proceeded to withdraw {$920.00} cash using my US Bank debit card. The a.t.m. opened up to release the funds and wouldn't let go, I struggled to pull but failed due to door shutting up my fingers, I did manage to take {$20.00}. I then parked and waited for over an hour contacting both banks. I filed a claim with both banks, and both came back with no error had occurred.
Product: Vehicle loan or lease

on XX/XX/year> I called Capital One Auto Finance to offer a settlement on a loan that is over XXXX years old. I spoke with an operator initially who asked what my offer was and I said {$1000.00} ( XXXX XXXX XXXX  ) she placed me on hold and came back on and said they would not accept that offer that they could accept {$1900.00}. I asked how they came to that number and she said that " the computer decides that. '' I asked to speak to a human that can assist and was told there was no one. I decided to call back and spoke with Operator XXXX who informed me that the " computer makes those decisions '' and I asked how and she stated " its a program. '' I asked if there was a human I could speak to and I was transferred to XXXX ( Operator XXXX ) who is a " Resolution Specialist, '' who offered me a higher settlement than was offered during the first phone call. When I informed him of this he then said he " can only accept what the computer says '' when I asked again to speak to a human who could assist, I was again placed on hold and was transferred to XXXX ( Operator XXXX  ) who is from the " Office of the President. '' XXXX told me that the " computer does make those decisions but yours went to Management for review and they offered the {$1900.00}. When I asked to speak to " Management '' I was told that they do not take telephone calls and there was nothing further that could be done. I am finding that this is hard to believe as I am attempting to solve an uncollectable debt.