23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid my American Express bill in full of {$4100.00} on XX/XX/XXXX through my XXXX XXXX XXXXXXXX Online Bill Pay. XXXX bill pay processed the payment but said the transaction could not go through until XX/XX/XXXX because of the holiday of XX/XX/XXXX. 
American Express bill was due on XX/XX/XXXX ( Holiday ) so why would I have to pay a penalty of an interest fee of {$140.00} to American Express if I had in good faith processed the payment for proper due date? 
My thought was that credit cards due dates that fall on a US Holiday or Weekend should be processed on the next business day without penalty. American Express does not see it this way. 
Thank you
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Student loan

I have been enrolled in the Public Service Loan Forgiveness program with verified employment since XXXX. With the temporary expanded waiver, I am well over XXXX payments which include partial and late payments. MyFedLoan has rejected my application for forgiveness, listing the outdated criteria on the rejection letter dated XX/XX/XXXX -- well after the criteria was widely disseminated. I have tried to resolve this issue directly and they say they can't do anything because it ; s the XXXX XXXX XXXX XXXX problem. I filed a complaint with Federal Student Aid and have heard nothing. I have made XXXX qualifying payments and my loans need to be forgiven immediately. MyFedLoan is wrongfully rejecting my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are INVALID and must be REMOVED from my credit report immediately : 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 ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or XXXX, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.
Product: Credit card or prepaid card

I was upgraded to the Macy 's American Express card in XX/XX/XXXX, included with the card was an insert claiming that I would receive {$50.00} in Macy 's XXXX money, if I spent at least {$500.00} or more on purchases outside of Macy 's placed on the card. The offer stated it must be completed by XX/XX/XXXX. The terms and conditions states that the bonus points for the {$50.00} in Macy 's XXXX money could take up to two billing cycles past the expiration date of the offer. 
I have met the requirements of the offer. Two billing cycles have passed. I have not received the promotional offer. Why?
Product: Debt collection

The Commercial Collection Corporation of New York notified me by mail XX/XX/XXXX, that I had an outstanding balance of {$37.00} for a XXXX XXXXXXXX  account. 

I do not have, nor have I ever had, a XXXX XXXX account.
Product: Debt collection

XXXX XXXX of Allied Intertstate has been calling for XXXX straight business days beginning on XXXX/XXXX/15. I XXXX at a high school and she keeps calling me at the school. I have no outstanding debt. I called her back on XXXX and got her voicemail. I left a message stating that I had no outstanding debt and told her to stop calling. The same thing happened about a year ago. She called my work again today and left another message.
Product: Debt collection

Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.
Product: Debt collection

Hewitt Capital XXXX is calling family members of mine impersonating a mail delivery service claiming they have a package for me and need the address to my home and place of work. Not once did they indicate the actual name of their company and the true meaning of their call. Number for them is XXXX. I discovered my reading online they have many complaints against them using same tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Equifax via the CFPB on XXXX regarding XXXX accounts reporting late payments. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Equifax stated that they accounts were reporting late with no late payments. After response I did notice that the XXXX accounts reported paid as agreed with no late payments. As of today the 30 days late payment shows on XXXX  XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX shows me late 60 days in the month of XX/XX/2019. They failed to do as they stated. I attached what is currently being reported on their website my equifax.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666bXXXX See the documents attached. XXXX  XXXX XXXX. Please correct and update.
Product: Money transfer, virtual currency, or money service

I had the following chat with PayPal 's incompetent robot chat feature this morning at XXXX. It clearly doesn't understand that XXXX is past XXXX when the humans should have awakened from their slumber and taken back over from the robot overlords. 


Put me through to a representative or I will file a CFPB complaint. 

XXXX XXXX XXXX our agents are currently offline. Please try again during business hours. 


They will return on XX/XX/XXXX, at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/XXXX we got a loan at XXXX XXXX that was to provide the means for an addition to our house. XXXX XXXX insisted that we get A-Pick-A Payment loan. 
Since it was to construct an addition, payment would be low in the beginning, and then when finish we could refinance to a fix loan. Our loan balance at that time was {$190.00} and the loan we requested was for {$200.00}. We bought our house years before for {$390.00}. 
I got a permit from the City of XXXX XXXX to do a new master bathroom and master bedroom, also we put a new roof. 
In XX/XX/XXXX I went to XXXX XXXX to get a new loan, to my surprise, the friendliness I always received, was not there, not from the manager or employees. When I question a friend of ours, she worked as a cashier, she told me : '' We can't talk ''. 
A man came from the back office and gave me a piece of paper with an XXXX number, and he said : " Call this number ''. That was it. 
When I called that XXXX number that is when I heard that XXXX was the new owners of my account. Later it took me 3 years to communicate with XXXX to explain my dilemma, at the end, they denied any kind of help, based on the fact that my loan was too large and I didn't qualify. Indeed it was growing due to the fact that it was a Pick-A-Payment loan, and we couldn't afford to pay a full amortization. In the meantime the whole Country was having an economic crisis, people leaving their homes not able to pay their mortgage. 
Eventually XXXX also collapse and had to sell to Wells Fargo, for pennies. 
In My contract, that I still have with Wells Fargo, there is a page with the name of RESPA. RESPA places a a section destined to protect the consumer and it is : MORTGAGE SERVICING TRANSFER DISCLOSURE, IT EXPLAINS THAT i SHOULD HAVE HAD, A WRITTEN NOTICE 15 DAYS PRIOR TO THE TRANSFER. 

Wells Fargo has avoided my direct complaint, explaining that I signed a contract and that I knew all the facts. But in my complain, specifically explained that XXXX XXXX committed fraud, by not disclosing the sale as our contract stipulates. 

Wells Fargo has now a record of doing illegal things, Wells Fargo gave California XXXX XXXX dollars to help, people like me and the Pick-A-Payment loans. 

I am only an individual pressing for my rights, XXXX XXXX committed a crime with so many home owners and I am still trying to find justice, please help. 

Wells Fargo in their response letter dated XXXX XXXX ( enclosed ) Origination concerns about account number XXXX Wells Fargo is changing the words even though it is all written down. 
" I did not say that XXXX XXXX committed fraud, because they did not disclose that the loan was a Pick-A-Payment loan.- This is false. 
Also, '' that I was not informed that my loan could be sold to another bank '', that is also false. Wells Fargo has now interpreted a false story formulated to confuse. 
.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX continues to report hard inquiries at least XXXX x a month to credit bureaus 2. Revolving account payment amounts continue to be reported incorrectly to credit bureaus. 
3. My credit bureaus continue to advertise fraudulent and inaccurate about my payments and finances to potential creditors and landlords. 
4. Old information continues to be advertised on my credit report 5. My privacy has been violated and my information shared without my consent to 3rd party companies.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX  - XXXX - {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, XXXXThe mortgage company Caliber Home Loans is reporting that the mortgage on my wifes XXXX  credit report is closed as of XX/XX/2021. 
XXXX  does reflect that she has a mortgage at all. XXXX  has the mortgage but the last month it last month that is was updated was XX/XX/2021, and the mortgage up to date. Also XXXX  is not showing on my husbands credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) did a HARD INQUIRY in error in Equifax XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX confirmed done in error and sent ltr XX/XX/XXXX to me confirming this and that " we have sent a request to the approrpirate credit reporting agency ( Equifax ) to DELETE our inquiry ''. Equifax never removed it - I have done 2 disputes w/Equifax asking them to remove - they stated NEVER got communication from XXXX to delete and closed both disuputes. XX/XX/XXXX XXXX did a 2nd req to delete ( I have ltrs confirming both of XXXX 's request to delete ) and it is still there. Did another dispute w/Equifax and it's still there. I have talked with about 15 people @ Equifax and spent probably 30 hours on hold on talking w/Equifax and they just say " we have nothing from XXXX XXXX  to delete it. Do another dispute ''. I'VE DONE 2 w/no results except they close them. I have XXXX msgs. w/Equifax and they continue to say they'll look into and call me back but they never have. XXXX says they've followed their ususal protocol to remove a hard inquiry from a customer 's Equifax reeport and there's nothing more they can do if Equifax continues to say they haven't received anything and Equifax says they can't do anything because they have nothing from XXXX to remove the hard inquiry. BEEN FIGHTING THIS FOR 3 MOS! I may apply buy a new home this year and want it removed from my credit report so it won't affect my mortgage application.
Product: Credit card or prepaid card

XX/XX/2022 : I received a {$25.00} virtual XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and registered it to my prepaiddigitalsolutions.com account. At that time, the {$25.00} XXXXXXXX ( ending in XXXX ) was visible in my account. [ See XXXX XXXX email files ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com about identity verification that purported to be in response to a request from me. I made no such request. I logged into my prepaiddigitalsolutions.com account, and the {$25.00} XXXX was no longer visible in my account. I had not yet used the card for any purchases. [ See XXXX email file ] XX/XX/2022 : I called the customer service number ( XXXX ) to inquire. They told me that they were investigating some kind of fraud alert and that the investigation should be concluded XXXX business days, after which access to my VGC would be restored. 

XX/XX/2022 : After 12 business days, I still did not have access to the {$25.00} XXXX, so I contacted prepaiddigitalsolutions.com by email through their web site to request a status update. In return, I received a message saying that a customer support member would respond in 2 business days. [ See XXXX email file ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com asking me to either call customer service or reply by email to provide more detail. [ See first XXXX email file ] XX/XX/2022 : I also received a second email saying that they would contact me within 5 days if they needed more information. [ See second XXXX email file ] XX/XX/2022 : I received an email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). I provided these documents to prepaiddigitalsolutions.com through the upload link in their email. [ See XXXX email file ] XX/XX/2022 : I received another email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). Again, I provided these documents through the upload link in their email. [ See XXXX email file ] Since that time, they have not restored access to my {$25.00} VGC. I have not been able to use the card for any purchases, so the balance should still be {$25.00}. I have attempted to use it for a purchase multiple times and been declined each time.
Product: Credit card or prepaid card

Capital one just restricted my SECURED CREDIT CARD for no VALID reason. 
I have never been latew with payments in over a year since i opened the account with a secured deposit of {$100.00} and was given a credit limit of {$200.00} that later on they increased without me asking for it to {$500.00} for a week and a half later restricted it for no explaination as every time i called they claimed that they cant provided me with details of they desicion. 
the card in refence is XXXX Please HELP
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and XXXX unauthorized inquiry being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] Inquiry : [ XXXX XX/XX/year> ] An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiry to ensure the accuracy of my credit report.
Product: Debt collection

They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in XXXX XXXXnd I settled all my debts. The original XXXX XXXX cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XXXX
Product: Credit reporting or other personal consumer reports

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Equifax. 
Equifax takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the XXXX  at XXXX - A XXXX. XXXX XXXX XXXX Report I sent in a valid identity theft report that was filed online with the XXXX. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my XXXX  and XXXX attempt and submitting this official electronic identity theft report. This time Ive included screenshots from the official government site, as well as the corresponding emails that Ive received after submission of the complaints. 

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  days of receiving this complaint.
Product: Debt collection

I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.
Product: Mortgage

On X/XX/17 at XXXX I called Santander Banks mortgage service number at XXXX. I was trying to find out how to begin making bi weekly mortgage payments. The back of my statement states " Any additional funds will be applied to the principal if the loan is current ''. I did not want my payment of XXXX to be applied to principal. Instead I wanted it to be posted as a regular payment and then the other half in the amount of XXXX to be paid on XXXX would make up my full XXXX payment. <P/>I was told that Santander Bank does not accept bi weekly payments. I find it unacceptable that I can not pay the money I owe in a way that reduces the principal of my loan more quickly and will therefore reduce the amount of interest I have to pay and reduce the term of my loan. <P/>Bi Weekly payments seem like a common and pretty basic thing that should be available.