23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with Equifax, bringing my XXXX score to a XXXX. My mortgage lender uses XXXX XXXX to pull credit reports & rescores. In an effort to bring my score up 2 points with Equifax, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points with Equifax! XXXX XXXX and lender had no idea how or why. XXXX XXXX contacted Equifax, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. Equifax corrected the information. However, according to XXXX XXXX, Equifax said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

Equifax is pointing the finger at XXXX XXXX, saying they corrected their mistake, and XXXX XXXX can request a new score. And XXXX XXXX is pointing back at Equifax saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by XXXX XXXX. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XX/XX/XXXX. Also, no one from XXXX XXXX will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to Equifax & XXXX XXXX is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, XXXX XXXX has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of Covid-19 economic situation, i paid my XXXX credit card just 1 day later. After that I call the companies, the said to me, that acording with Care Act, they gon na be able to remove the late payment. This happen on XX/XX/2020. Until today this bad report on my credit, even i made an extraordinary effort to paid my card in full. I spoke to the company in multiple ocasion, they dont care about the situation! please help me.
Product: Credit reporting or other personal consumer reports

These reported late payments are inconsistent with my usual payment pattern.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must delete any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccurate information regarding the reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX account number XXXX  I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Product: Credit card

I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Product: Credit card or prepaid card

i had a secure credit card with US Bank and have made all monthly payments on time for the past two years. US Bank has failed to upgrade the card to unsecured due to credit per the denials. i had the same credit rating the for past two years with my score going up at time for on time payments. I believe that US bank have not extended credit due to complaints. 

during my sickness i phoned US bank for help with the credit card and was told by XXXX customer service rep and XXXX supervisor that US Bank has no option for secured card holding during unemployment or XXXX. i aslo expressed that us bank fees, annual fees and late fee is the reason that the card was over balance several times. Us bank wait until your balance is near the credit limit and then post all the charges such as the fees at one time. i have requested manager call back several times no response see letter payment is incorrect and account was closed before i received this letter. 

Us bank was well aware of my health.
Product: Credit card

I received counterfeit items from various XXXX purchases from the same seller. I talked to XXXX numerous times and got various stories. Finally XXXX acknowledged the seller was a fraud and was selling counterfeit items. They told me all along to be patient and then they will tell me what to do with the items to get my refund. Now that the seller has been banned from listing items, I got the bait and switch ; they are not refunding me. Instead they are coming up with excuses to my credit card on why not to refund me. I have contacted Bank of America and faxed various documents proving the notary listed on my items was a fraudulent, non-existent person by calling the state and through online notary verification process open to the public. They now want a 2nd opinion letter and I had to pay for that as well, which shouldnt even matter since XXXX has already taken action against the seller.
Product: Student loan

In XXXX of this year XX/XX/2018, I enrolled in auto pay for my 5 outstanding student loans that are processed with Navient, see attachment A. Enrollment in auto pay qualified me for a credit and on XX/XX/2018, I received a letter from Navient acknowledging the amount of credit to be {$1200.00}, see attachment B. 

The {$1200.00} credit was posted to a loan which I just paid off in XXXX, so I had to call Navient customer service to apply the credit to pay off 3 out of 4 remaining loans. On XX/XX/2018, I received acknowledgment letter about it, see attachment C. 

On XX/XX/2018, I called Navient to increase my automatic payment amount in order to pay my last remaining loan faster. I am not sure what happened at Navient at that point, but my credit was retroactively taken off, see attachment D. I didn't receive any notifications about this at the time. 

On XX/XX/2018 I received Navient notification that I am past due on my loans and showing outstanding balances on the loans that were paid off, see attachment E. 

I had called Navient numerous time trying to resolve the issue, the last call on XX/XX/2018 was almost two hours. The customer service representatives agreed with me and assured that the errors would be corrected, but nothing has been done so far. I keep the log of my calls to Navient should you need the details. Please help me to get this issue resolved, I am not supposed to be charged interest for the loans that have {$0.00} balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I processed a Payment Amount of {$9200.00} USD through my PayPal account. The PayPal Card Reader did not work, so I entered the credit card number manually. On XX/XX/XXXX, I tried to access the funds, but received an ambiguous Error Screen that the service wasn't available. 

I contacted their customer support on XX/XX/XXXX, at XXXX XX/XX/XXXX, and was told that I needed to provide further information for the transaction. I promptly supplied all of the requested information, and was informed that the funds would be releases within 3 business days. 

I waited until XX/XX/XXXX, tried again, and received the same ambiguous Error message. I contacted Customer Support @ XXXX and was told the team that reviews and approves these transaction was running behind, but that I would be approved within 72 hours and the funds made available. 

I attempted to access my funds on XX/XX/XXXX, and received the same error. i contacted customer support again @ XXXX, and was asked to be patient, and that they were processing my request. The agent, XXXX suggested it would be faster if I simply refunded the amount, and created an invoice. XXXX did NOT tell me that PayPal would, instead of refunding the {$9200.00} they were holding, attempt to take that amount from my personal checking account, nor did she tell me that they would keep the {$320.00} fee. I am now incurring overdraft fees of {$32.00} every time PayPal tries to take that {$9200.00} from my personal checking. 

On XX/XX/XXXX, I tried to contact Customer Support, and remained on hold. During all of this time, I also engaged with Customer Support via PayPal 's XXXX support. They offered no help, and took over 3 hours on average to respond, the longest time being over 12 hours. 

On XX/XX/XXXX, I contacted PayPal customer support again, and had a conversation with XXXX named XXXX ID # XXXX. XXXX was condescending and rude. He told me that they were keeping the fee because I had the money. My response was, NO, I don't have access to the money, because PayPal had never released the funds, to which his response was " I'm looking at it in the wrong way ''. He finally agreed to escalate the situation, after telling me he was the highest authority I could speak with at PayPal. He told me that he would issue a credit of {$100.00} toward the {$320.00} fee, and that the credit would be seen in my account within 24 hours. He also told me that the funds would be released within 24 hours. 

It is now XX/XX/XXXX, and none of the promises that PayPal have made have been honored.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX EQ , XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Product: Prepaid card

I have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX or XXXX, and I was not able to get any confirmation on that request.
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Retrieval Masters has contacted me repeatedly over the past 6 months attempting to collect a debt they say I owe. Each time they have sent me a letter or called me I have asked them to provide evidence and proof the debt is mine. They have responded three different times they will do so, however they have not provided evidence even once. I believe this company is a fraud and scammers and the debt does not exist as they have not been able to provide one single piece of evidence showing the debt is actually real and legitimate. I would like this company to immediately stop contacting me as they are trying to steal money as this debt is not valid. There should be a governing body that fines harassing and illegitimate companies such as Retrieval Masters. If my credit is effected by this scam company I should receive restitution ( I will seek legal council in this matter ) and they should be barred from contacting any consumer. Their practices should be heavily reviewed because they are in fact breaking the law by ignoring my right to have them provide evidence before contacting me again and refusing that request and have become more harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently.

FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) SANTANDER -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) XXXX XXXX -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX
Product: Debt collection

THIS COMPANY IS BREAKING THE LAW BY FALLING TO PROVIDE PROPER VALIDATION AS REQUIRED UNDER 12 CFR 1006. 34 ( B ) ( 5 ) .DESPITE THIS, THEY " VE ADDEDA COLLECTION TO YOUR CREDIT REPORT. THESE ACCOUNT WAS OPENED DUE TO DATA BREACH OR IDENTY THEFT. 
I " VE ALREADY TRIED TO RESOLVE THESE ISSUES DIRECTLY WITH THEM, BUT THEY CONTINUE TO VIOLATE MY RIGHT. FOR EACH VIOLATION LISTED, I AM ENTITLED TO {$1000.00}. THEY MUST EITHER COMPENSATE ME OR REMOVED THESE ACCOUNTS IMMEDIATELY. 
1 : SUNRISE CREDIT SERVICES GROUP {$370.00}
Product: Credit reporting or other personal consumer reports

My accounts with the following companies were 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 ( MONTHS REPORTING LATE ) 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 purpos
e, 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.

The following companies 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 card or prepaid card

I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.
Product: Credit reporting or other personal consumer reports

My account 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.

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