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

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( Experian, XXXX, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX -not mine XXXX XXXX XXXX -payment never late I have not received a response from any other the credit agencies.
Product: Mortgage

Predatory lending violation via telemarketing by 2 XXXX XXXX Wells Fargo telemarketers to an elderly couple violating CT state predatory lending laws to the elderlyand especially to an XXXX & XXXXyr old couple with XXXX and XXXX. The elderly couple were enticed into a 30yr refi via landline by 2 telemarketers from another state. No mortgage protection insurance was offered, no attorney was available to protect the borrowers. There was no understanding by the elderly couple of what was transpiring. Undo pressure was placed upon them by the telemarketers. The fraudulent telemarketers knew there was no way an XXXX & XXXX yr old couple could live for 30 years or survive to repay a loan on one income should and when one of them died. The telemarketers were only interested in their commissions & not one humane thought was given to the elderly couple. Telemarketers knew couples inability to repay the loan would render the survivor homeless or into foreclosure. Couple has since passed away & as their daughter, I was quit claimed their home. Upon learning of the loan 's fraudulent inception, I began asking Wells Fargo questions for over a one year period that they are unwilling to answer. I have stopped making payments as I will not pay for a criminal act. They have my phone # yet, say they are unable to contact me? Untrue! Contact @ Wells Fargo : XXXX XXXX XXXX
Product: Credit card

An order for fish tank anti-biotic was placed with XXXX on XX/XX/year> XXXX. Order confirmation was received from XXXX. This has been the ONLY COMMUNICATION from the merchant to date. 

XXXX. There was no further detail from them re preparation, shipment, tracking number, delivery notification NOTHING. 

4. On XX/XX/year>, I tried contacting the merchant but discovered their website XXXX  NO LONGER EXISTS. Thats when I called Citibank to dispute the charge. On that day, I specifically told your customer rep that the website is no longer reachable and I suspected XXXX to be a scam. I had requested the case be referred to the Citibank fraud team. 

Apparently, my request had been ignored. I have never been contacted by the Charge dispute team ( by phone or email ) about the status of this disputed charge. Not having heard from Citibank re this case for so long, I finally called their customer service about this on XX/XX/year>. Thats when I was informed that the case had been concluded, that the merchant had claimed the product was shipped out to me and that I could look it up under Disputed Charges in Citibank online. 

Questions : 1. Did the merchant show any actual proof of the shipment? 2. Was any t
racking number provided to Citibank? If so, what is that USPS tracking number?

3. Why is there no communication from Citibank with me during and after the case was concluded?

4. Did Citibank ever verify that the merchants website is no longer reachable online?

This case should have been referred to the Citibank fraud team before any more customers get conned by this same merchant, maybe under a different name and website.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, Experian a letter asking for proof of the alleged late payments on this account they have yet to provide any proof of such account. I asked for them to send this information to me and they never did but said its valid
Product: Credit card or prepaid card

Capital One credit services ( the bank ) unilaterally changed my monthly due date without proper notice. Further, the bank charged late fees and interest to my account and refused to waive after recurring issues with its payment processing function ( s ). In previous inquiries, I asked the bank to look into and address its mobile app payment function, specifically its occasional failure. The banks response and refusal to properly remedy these concerns are catalyst to this complaint. I have attempted to resolve these matters many times with the bank and as recent as today - the banks conduct is egregious and concusses should be forewarned of its lack of service, professionalism and poor business acumen.
Product: Credit reporting

I have filed disputes with XXXX and XXXX. I received my free credit report online for Equifax and got kicked out. I have yet to be able to get back in to file the disputes. They keep saying they ca n't find my file. I printed the transaction page with my code on it which is more than the XXXX digits they keep asking for. I did n't know about the issue and once I found out only because I was checking my own credit via XXXX XXXX, I figured out what was going on. I paid all items on XXXX/XXXX/2015 and the case was dismissed. I ca n't even get into Equifax to dispute it now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information reported on the following account as it appears on my credit file : Account Information as Reported : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card Open/Closed Status : Closed Date Opened : XX/XX/year> Balance : {$1500.00} Credit Limit XXXX {$1100.00} Payment Status : Charge-Off After reviewing this account, I have identified several inaccuracies and inconsistencies that violate federal consumer protection laws. Additionally, due to my documented involvement in the XXXX XXXX XXXX, I am asserting that any unverifiable or fraudulent information associated with this account must be blocked under federal law. 
I have identified some of the following Discrepancies : 1. Inaccurate Payment History : 2. Unverifiable Balance : 3. Identity Theft and Fraud Concerns : As a confirmed victim of the XXXX XXXX XXXX, my personal and financial information was compromised, making this account susceptible to identity theft or fraud. Under 15 U.S.C. 1681c-2, you are required to block the reporting of any information resulting from identity theft within four business days of receiving my dispute and supporting documentation. 
The above Discrepancies contribute to the following Consumer Protection Laws being Violated : 1. 15 U.S.C. 1681e ( b ) : Duty to Assure Maximum Accuracy : Reporting incomplete or inaccurate information violates your legal obligation to ensure maximum possible accuracy in consumer reporting.

2. 15 U.S.C. 1681s-2 ( a ) : Duty to Report Accurate Information : Furnishing inaccurate or unverifiable information is a clear violation of the law.

3. 15 U.S.C. 1681c-2 : Blocking Information Resulting from Identity Theft : Upon receipt of a dispute accompanied by proof of identity theft, the furnisher is
obligated to block the disputed information within four business days.
Product: Credit card

I entered into a contract with XXXX XXXX to design and install a new kitchen in my home. The contract was signed on XXXX XXXX. The contract states I pay 50 % of the contract price at that time, which I did. Contract further stated I had agreed to the design drawn by this company. Which I had. XXXX agreed the cabinets would be installed by the end of XXXX. The designer kept making changes to the design. My husband did initial off on those changes. All changes were made by the deigned. 
Then I received a call from XXXX stating my cabinets were ready to be installed but I would need to pay the balance. So I went and paid them the final XXXX. The installers arrived on XXXX XXXX to install the kitchen. It was apparent the cabinets would not fit the space. I immediately contacted XXXX and they said the designer would be out to see what had happened. After her visiting we found out the dishwasher purchased from this company would not fit, the oven would not hold a cookie sheet, the vent fan was inoperable. The countertops ( suppose to be stone ) was XXXX. I notified XXXX and requested many meetings but last minute they would cancel. 
I notified my credit card company XXXX XXXX of the product not being the quality I had agreed to. I did this by telephone and online. They started the investigation XXXX XXXX, 2015. I corresponded with XXXX XXXX many times via mail, email and telephones. She assured me she would take a look at the pictures and all my statements and then send me something in writing. 

XXXX, I received an email stating my Chase statement was ready for viewing. You can imagine my reaction when I found on XXXX XXXX the had put this back on my account. I called them immediately and was told by the agent that I should have received a letter prior to this being done. I asked him if it meant Chase agreed with the merchant. He stead he did not know but advised to file a re dispute on this charge which I did that day. 
This merchant at the moment has an oven, a dishwasher cabinet inserts plus the charges for installing these items. We have requested XXXX to pickup the countertops and the vent hood. 

I believe Chase did not make the correct decision. Also, I do not believe they handled everything in the time allowed for a dispute. I have been a client of theirs for many years. And would expect them to give me the curtesy of advising me of their decision prior to putting it back on my account. 

I will be happy to send you all the documents, pictures and emails sent to XXXX and to Chase. These noticed began XXXX and rare continuing
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I became aware that my personal information was impacted the Equifax XXXX XXXX. I noticed unrecognizable accounts on my credit report with Equifax, XXXX and XXXX. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021 I contacted Wells Fargo after visiting XXXXXXXX. I found incorrect information in my report from Wells Fargo. I received a letter from company in XX/XX/2021 stating that full balances would be reported to all 3 credit bureaus. When I pulled my report I found the company had not updated information in over a year. This information provided by Wells Fargo on my credit report hurt me dearly I was denied a new line of credit related to having high balances. I was in good standing with my payments and needed this info provided for new credit. I contacted the executive office and was given a cut dry response about the creditors option to suppress information and not report but did admit to sending this letter ( attached-can be found under response ). Since my car has been totaled related to theft the bank has still not updated my credit information. The bank reports last payment of XXXX which is incorrect my last payment was XXXX posted XXXX. The company changed the amount of late payments from 17 to 14 missed payment. I have disputed this with all 3 credit bureaus and the company I don't know what to do. There were different amounts for the balance due across all 3 bureaus ( they were updated ) XXXX last payment XXXX balance- {$6500.00} 17 missed, XXXX-last payment XXXX balance- {$6500.00} 14 missed, XXXX- no last payment balance {$6500.00}. Since I have received a letter stating that I owe no balance on the car but my credit report and this letter was dated XXXX. This is hurting me and a direct violation of 15 USC 1666-1666j if missed payments were adjusted then where is my refund or credit why is the info different across the bureaus. This company cashed a check from the insurance agency for more than loan balance amount has not updated my credit info or sent me a refund for the difference this if fraud. I am entitled to Statutory and actual damages from this company.
Product: Debt collection

Credit Management LP placed a collection on my credit report and trying to collect money that is not owe. The account in question is from XXXX XXXX ( XXXX ) in the amount of {$79.00}. 

I had internet services with XXXX and since moved to a different city where XXXX did not offer services. I contacted XXXX in XX/XX/2021 to cancel my service. 

On XX/XX/2021, I went back to return the internet equipment at a local XXXX office and they stated I had to pay for the month of XXXX since the billing cycle had already started even though the service was cancelled in XXXX. 

After returning the equipments, the cashier confirmed that I had a XXXX balance. 

I have never heard of credit management LP until the collection in my credit report showed up.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I missed a payment with my mortgage company do to a hardship of my husband passing with loss of income. I'm aware of the mortgage company reporting this late payments to the credit bureaus that caused my credit scores to decrease by XXXX points on all XXXX bureaus I'm not aware of credit card companies being allowed to do a pull of your credit without your consent. in result of the credit card companies pulling my credit without my consent several of the companies lowered my credit limit that threw my accounts into using more than 30 % of my credit card balances. when I was able to become current on my mortgage the mortgage reported status is now current to the bureaus. In result of my mortgage being current XXXX raised my credit score by XXXX points, XXXX raised my credit score by XXXX points, TRANSUNION DECREASED my credit score by XXXX points. I called Transunion to ask why didn't my score increase due to the mortgage being now current I was told because my credit cards were maxed out and that the maxed outweighed the increase of the points for the mortgage being now current
Product: Mortgage

On XXXX XXXX, XXXX at XXXX, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of XXXX XXXX, XXXX was given. On the side of caution, I did not open the email due to cyber security concerns. On XXXX/XXXX/XXXX at XXXX, I sent an email to XXXX, the person assigned by SMS to our loan account, informing him about my concerns and asking him to contact me for verification of the suspicious email which I forwarded to him. On XXXX XXXX, XXXX, I called to speak with XXXX but was told by a representative that he had not come into the office as yet since he was located in Texas. I told her about the email and she put me on hold to check for any mailing on our account. When she returned she said that saw no email being sent and that their only mode of communication with borrowers is by telephone and postal mail. I called on XXXX XXXX, XXXX to speak with XXXX and I again told that he was not available. My call on this date was about the suspicious email and a letter dated XXXX XXXX, XXXX that I had received form SMS. In regards to the suspicious email, the SMS representative I spoke with told me that it was not sent from SMS because their mode of communication is either telephone or postal mail. I asked the representative why was I receiving a letter asking for the same information that was sent in late XXXX and early XXXX, XXXX. I also told him that on XXXX/XXXX/XXXX XXXX called and told me that no more documents were needed and our file had been submitted to underwriting. But a few days later an SMS representative asked me to send some additional documents which I sent on XXXX/XXXX/XXXX. The SMS representative confirmed that they had received all the documents and that I should ignore the SMS XXXX/XXXX/XXXX letter because our file is now in underwriting. I have two concerns ( 1 ) that to date I have not received a call from XXXX XXXX confirming what the two SMS representatives have told me regarding that I should ignore the SMS XXXX/XXXX/XXXX and the suspicious email and ( 2 ) to avoid any chance of Shellpoint Mortgage Servicing reporting that we ignored loan modification communication as was reported by the previous servicer XXXX.
Product: Vehicle loan or lease

I wrote a letter to kia finance America about a billing error. I questioned the whole billing statement. They sent me a copy of the fraud contract instead of the copy of the promissory note and the Gap statment i ask for.I sent Kia a 1099a to settle the debt with the Irs forms they did not accept it. They told me in a letter to paid them in united states legal tender money FEDERAL RESERVES NOTES. This is in a form of Bill of Excange I sent them. THEY REFUSED IT SO THE BILL IS SUPPOSE TO BE PAID IN FULL.I HAVE MADE SEVERAL ATTEMPS ON THIS ACCOUNT TO GET IT PAID IN FULL. 
They are not suppose to refuse tender of payment. Title 18 usc 8 say that united states are responsible for all debts. Title 12 usc 1431 Banks are not allowed to loan money or their assets. My social security number and signature created this loan .I was never given money from Bank Kia finance America . They have threatening me with adverse action with repossession and that they are going to put this on my consumer report. When you question them about a billing error there is not suppose to be adverse action taken against you. This is against all consumer legal rights. This is fraud and intimidation. I am exercising my rights as a consumer and a debtor.
Product: Credit reporting or other personal consumer reports

I request the prompt removal of this unapproved inquiry from my credit report, as adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong birthdate on my credit report. Please fix this ASAP My birthday is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert from Experian that my account is closed and therefore, no longer have a credit score, which I verified in Experian. Also, XX/XX/year>, was the last time I checked my credit report and had a score of XXXX which is now XXXX, and was instructed to take certain actions to re-establish credit. However, the only account listed with Experian is still open, which is XXXX an education service provider for the XXXX XXXX XXXX XXXX XXXX. The same account is listed for XXXX and XXXX and currently the XXXX  scores are still active. I have worked hard and diligently to maintain good credit and do not believe it is fair to now have a XXXX score. CFPB 's assistance with this matter is appreciated and thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days. 

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.
Product: Debt collection

I have no idea about this account that was already charged off and I have not supplied proof under the doctrine of Estoppel by silence Engelhardt vs Gravens ( mo ) 281 sw 718,719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists!!!
Product: Credit card

On XXXX XXXX I called Chase to pay off my credit card balance. I spoke with customer service and told amount and made a payment for that amount. I received a bill the following month for interest charge. I wrote to the company on XX/XX/2023 and disputed the charge. Chase responded and refused to remove the interest charge. I have responded back to Chase in writing stating that I still disputed the charge. 

In short I contacted Chase, received a payoff amount, made a payment in that amount on XX/XX/2023 and I consider the account paid in full. 

I have attached the letters sent to Chase.
Product: Credit card or prepaid card

My problem is Continental Finance who supports XXXX Credit Card manipulates payments and posting. I was told that my payment is held for 7 days before posting, which is not true. I had a double charge which was suppose to credit back to my account which has been sitting there for 13 days as of today. I understand they are helping me rebuild my credit, but they need to practice what they preach.
Product: Debt collection

Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so  I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
Product: Credit card

I ordered a credit card builder from chime after I had the account and I thought it would help me build my credit. From my understanding I would be able to use the card as long as I paid it off with a deposit going to the account to pay the balance. I set up my account to receive my direct deposit to pay off my credit card balance but it never took the money as I realized it I asked my account to help me she said I owed them over a thousand dollars by last year and I was shocked and didnt know what to say or who to pay. Its been affecting my credit score and Im trying to purchase a car for my first time its been a hassle.
Product: Credit card

The person opening credit cards and small business credit from these bank was able to check on my score from XXXX, XXXX and XXXX without actually confirming that the person is telling the truth. Although most have been rejected. Most recent one XX/XX/XXXX was able to open from a credit card from Capital One I received a letter stating that it could be a fraud so I got in contact with the Capital One. At first they couldnt find anything with the information Igave them from the letter they asked me for my Social Security number so I reluctantly gave them and they were able to find a opened account they assured me that they would handle everything and not to worry. Prior to there were many other attempts on XX/XX/XXXX Capitol One, XX/XX/XXXX XXXX XXXX, Capital One XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and most recent XX/XX/XXXX which they sent me a letter stating that someone is opening a credit card. I was able hopefully to stopped it.