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

In XXXX of 2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX of 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the XXXX directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX   stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
Product: Credit card or prepaid card

I recently reached out to Apple/Goldman Sachs via chat. I reached out regarding a billing error as well as my open ended credit. To further I expressed to them my consumer rights.

I have an open end consumer credit plan with Apple/ Goldman Sachs bank . It is expressed that I have an outstanding balance. I am asserting my consumer rights and demanding that Apple/Goldman Sachs balance out the balance each month, credit and/or make adjustments to the account, and send me the balance in check every month. In Title 15 U.S. Code 1602- Definitions and Rules of Construction ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Per Title 15 U.S Code 1666d. Treatment of credit balances -Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm this account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry I am disputing : XXXX XXXX SVC Date of inquiry XX/XX/2021
Product: Credit card or prepaid card

I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.
Product: Vehicle loan or lease

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I submitted payments of {$800.00} dollars to Credit Acceptance Corp in regards to a loan I aquired on a used car. The monthly car note is that of {$520.00}, and I made the initial {$800.00} payments as a safety net for if I came upon financial hard times. As of XX/XX/XXXX, I have been unable to make the {$520.00} payment, so I contacted Credit Acceptance and asked that the initial over payments of {$800.00} be applied to the car note currently due, and I was informed by Credit Acceptance that those initial {$800.00} payments were deffered back to the account from which the came. Credit Acceptance Corp has not provided me with any proof that those payments were deffered however, and are currently charging me late fees that have succeeded my monthly car note, placing me further in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I certified mailed a dispute letter to XXXX XXXX to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports, respond to my letter which I can prove they received, and that they did not send any information verifying the debt to me that would prove and hold up the erroneous claim that I owed them to begin with, or have negative accounts with them. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX my loan number is XXXX company is selene finance my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX phone XXXX my date of birth XXXX. My complaint is that I made a trail payment for XXXX thru XXXX for XXXX on XX/XX/XXXX the reference number is XXXX that should cover for XXXX. The problem here again is that selene finance has not yet updated their computer systems as they claimed. Before. I called them on XX/XX/XXXX and ask them if I'm on a trail modification payment plan the response was that they don't show any modification and that they don't see my XXXX payment of XXXX so when I gave them the money gram information all of sudden they told me that the supervisor is going to make sure that the computer systems is updated showing all the payments I made and that I'm also on a trail modification. I told the selene finance customer service rep that the system supposed into been updated when my loan was transferred from prior servicing to show that I'm on a modification. So I ask for supervisor and she claimed that they gave this to research to have this updated showing that I on a trail modification payment.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX. 

In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}. 

I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site. 

On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard. 

I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised. 

On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating. 

My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity. 

It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 


Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 

I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 

I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 

Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. 

I anticipate your prompt attention to this matter and a swift resolution. Please confirm the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX OpeneXXXX XXXX XXXX XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX XXXX Balance : {$1400.00}.
Product: Debt collection

On XX/XX/XXXX i called to see what was on my credit, I was told to pay XXXX before i could go any father, the agent would not let me off the phone with out payment or a payment date and card!
Product: Debt collection

Please see attached Notice of Dispute. I attached proof XXXX XXXX XXXX XXXX XXXX had credit wired to its account at XXXX XXXX XXXX XXXX into account ending XXXX on XX/XX/2022. Contact XXXX XXXX XXXX XXXX XXXX to confirm this fact. 

I dispute the TOTAL amount DOVENMUEHLE MORTGAGE, INC. claims I owe without any evidence of a debt by agreement or judgement from a court about this debt. I dispute the accuracy and completeness of DMIs reporting activities as well. There are two different account numbers for the same alleged obligation, how?
Product: Debt collection

After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.
Product: Debt collection

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible. 

If the debt is based on an alleged agreement or contract, please provide me with a copy of the original signed agreement or contract bearing my signature. 

Please provide me with a detailed account history, including all records of payments, charges, and any communication related to the account. 

It appears that there is a lack of privity between myself and the alleged parties involved in the reported incidents. I have never had any contractual or financial relationship with the entities mentioned in my report. Therefore, I request clarification and verification of the privity requirement, as it seems to be lacking in these cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. Equifax and XXXX did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the agencies can not figure this out. Its so simple of an error on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with Navy Federal Credit Union. I also had direct deposit going into my checking account that was to be used for automatic payments. At some point in 2019 I became ill and was hospitalized with a XXXX XXXX with complications. I thought that because the account was secured and that automatic payment was set up, the account was fine. The account balance was payed with my secured balance but what was left which consisted of only bank fees, is being reported to credit bureaus as delinquent. I called the company and asked why they didnt take the fees automatically with my auto pay? They said because it was over limit the automatic pay was cancelled and direct payment was required. Mind you at the time I had {$500.00} in my account and the fees were only {$50.00} and change. Furthermore I was hospitalized and didnt even know the delinquency had occurred. I contacted the company on three different occasions to explain the situation but they refuse to resolve the matter. I would like to have this matter settled fairly and have the delinquency removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!