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

XX/XX/XXXX. XXXX vehicle is involved in total loss. Call to Honda Finance confirms that holding payment until final check is acceptable. They state they will " Hold '' credit understanding a full lease buy out is coming. 

XXXX A series of calls are made both by me and my insurance company to get confirmation from Honda on the buy out number and formal agreement in writing that the payment will be close account. Honda states they need 7-10 days but after that period states they are " behind '' and can not provide the final numbers of release. Again I speak with customer service and I am told they will " hold '' credit. 
XX/XX/XXXX Credit report shows Honda is reporting the account is past due despite a number of prior agreements that they are to " hold '' pending their ability to provide end of term financials, XXXX XXXX Series of calls are made where Honda acknowledges they received the replacement value payment from insurance company BUT they have not updated the account to reflect the payment back to XX/XX/XXXX. As a result the continue to report the account past due now @ 60 days. 
XXXX XXXX XXXX of calls with Honda where the states there are only two ( 2 ) lease people working area and they are behind. Again agree that payment has been received and they are " holding credit ''. 
XX/XX/XXXX Honda states that the {$500.00} deductible most be paid XX/XX/XXXX Payment for the {$500.00} is made. This is what they state is the final requirement to close out the lease. 
XX/XX/XXXX Credit Agency continue to report delinquent payments. This despite # 1 full payment having been made XX/XX/XXXX and the {$500.00} payment made XXXX. Again Honda states they agree that the account is paid in full but the group that is supposed to close out the account is behind. 
XXXX XXXX Calls into Honda confirm the account shows " closed '' yet the online portal shows balance and Honda continues to report late XX/XX/XXXX Call with Honda again confirms that account is paid in full and they are just waiting for their internal team to close the account out. 
XX/XX/XXXX Same story from Honda XX/XX/XXXX Credit reports continue to report account late and delinquent. Honda continue to report the account past due despite it being paid in full for close to 120 day. 
Honda continue to state they will correct the reporting to remove the delinquency. I have disputed these charges @ XXXX as well Despite the facts the lack of engagement on this issue by Honda has dropped by credit rating from XXXX to XXXX do to several incorrect reports of delinquency and their continued statements that they intend to address it. 
120 days. 4 months. Totally unacceptable and no end in sight. 100 % being blamed on lack of personnel to address the issue in a timely fashion. 
Honda has been made 100 % whole yet I continue to be penalized but their lack of action and continued incorrect reporting of a delinquency.
Product: Credit card or prepaid card

I did donate {$300.00} to an organization and by mistake they charged {$3000.00}, when they try to return the money back to their merchant XXXX, for the amount of {$2700.00} I never received it and I proceed to place a dispute, after a month my money has not been returned to my account. Than The organization decided to return the total amount of {$3000.00} and he stated that XXXX closed his account, so now looks like the merchant XXXX keeps the money as per Citibank from where my card is issue. I have been calling CITIBANK several times and they keep telling me they don't have the return yet, and asking me to send proof, which i did send. it looks to me that CITIBANK is not willing to help me, After 3 months I dont have a resolution of this matter from any of the merchants involved. please help me to resolve this problem, my charges in the credit card keeps showing i own this money, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am with Chase Bank since XXXX they put a red XXXX day late on my credit report for XXXX and it wasnt XXXX that was late it was XXXX and it was because we had a National disaster of over XXXX inches of snow which shut the mountain down for XXXX weeks which made me late on getting my payment and I asked for forgiveness and they wouldnt and I told him that they have the XXXX day late on XXXX and it wasnt XXXX XXXX  days late it was XXXX and I was asking for a pardon on XXXX please could you help me fix this?
Product: Debt collection

RENT RECOVERY SOLUTIONS Last reported XX/XX/2021 {$67.00} Open balance 09 XXXX Original creditor After moving from the XXXX, I was not sent any outstanding bills due. I satisfied all requirement under the contract and paid all expenses due at the expiration of the contract between the XXXX and myself. As matter of fact, the apartments became inhabitable due to the water being off more than 90 % of the time the last month of the contract.
Product: Credit card

Hi- I was recently denied an American Express card. I just think it's interesting how last year I had an American Express card that charged me {$95.00} annually but I cancelled that card. Prior to canceling that card I was offered to get a different card from them but told them I needed time to think about it. Now I went through the application process and they denied me. Yet, 4 months prior I was a customer of American Express without any issue. 

I would like CFPB to investigate their practice of approval. Obviously they are not doing their due diligences accepting accounts. In addition during the process of getting a new card they wanted details about my retirement account. I have no idea why they need to know what assets I have for retirement -- they should not be encouraging people to use retirement funds to cover future debt. I have never in XXXX years ever been denied a credit card.
Product: Credit reporting or other personal consumer reports

I pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with XXXX, Equifax, and XXXX, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage refinance with XXXX XXXX XXXX  and the banker ( XXXX XXXX ) told me that Experian score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to Experian asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/20 Experian XXXX XXXX  XXXX XXXX & XX/XX/20 XXXX ) XXXX  XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit  bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Product: Debt collection

Fay Servicing held a loan on a property that my business owns. A payoff statement was created on XXXX XXXX. Fay servicing decided to pay the tax bill on the property on XXXX XXXX and did not notify my business that this had happened. My current lender sent final loan payoff to Fay Servicing on XXXX XXXX based on the initial payoff statement from XX/XX/XXXX. 

Fay Servicing sent a new loan payoff on XX/XX/XXXX, after the payoff funds were received on XX/XX/XXXX to notify the business that an additional payment to the taxes had been made and the final payoff amount received didnt cover it. The notice dated XX/XX/XXXX, states that this new payoff statement is valid thru XX/XX/XXXX and a per diem will be applied to the remaining amount. No notification was received on XXXX XXXX, or XXXX of an outstanding balance however Fay servicing wants to charge per diem for these days. I am disputing these charges and would like an investigation into the matter. Ive called Fay servicing to dispute but to no avail. I asked to speak with a manager and none were provided. I was told the manager was in a meeting and couldnt take my call.

My new lender paid the taxes for the property and also Fay servicing so now a refund is due. Due to Fay Servicing lack of communication about the matter I am now expected to pay per diem on a tax payment that shouldnt have been made. If a payout is requested, no additional transactions should be made on the account. Thats standard protocol on any loan account. If there are additional transactions post the payout statement, the borrower should be notified so the correct action can be taken. 

This is unacceptable behavior for a company.
Product: Vehicle loan or lease

On XX/XX/year> I made a consumer credit transaction for a credit sale. The same day I paid the car off and was later charged to double pay. Nissan motor acceptance company llc, is acting with unclean hands and attempting to embezzling the estate. Full payment has been provided and an invoice hasn't nor had the account reflected the debt.
Product: Debt collection

The calls began about 2 months ago from a variety of phone numbers, I would answer and inform them that the debt is no longer mine as my ex husband took it in our divorce agreement. They would argue with me and tell me that is n't how it works before I would hang up on them. 

The calls came 5-6 times a day and recently I 've asked them 5 times, through mail and phone calls to remove me from their call list and not to call me. Every time I ask they try to get argumentative with me and I hang up. 

I 've told them if they continue to call me I would be filing against them because this is getting awful. They purposefully call me on my phone I use for work, while I 'm at work.
Product: Credit card or prepaid card

On XX/XX/2018 capitalone closed my account and restricted my account because I field I fraud clame on my account. When I call back I spoke to some one they say that my account was closed because of payments returned as they can see I never had a charged back on my account with no payment l. I talked to them on special accusing about my account and they all was give me the run around and when they found out I call the CFPB thats when they closed my account I just want answers on why my account was closed and I would like to open the same account I have on file. I have everyone I spoked to about my account ID NUMBERS. Thank you
Product: Mortgage

Caliber home loans applied my XX/XX/XXXX payment to XX/XX/XXXX when the loan was in Covid-19 forbearance. I called at least a dozen times and it's still not fixed.
Product: Credit reporting

I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.
Product: Bank account or service

I am a co-executor of an Estate that maintains bank accounts at People 's United Bank. I had to make tax payments on XXXX XXXX. I am providing a letter dated XXXX/XXXX/15 sent from the account officer at Peoples which succinctly summarizes the problem that occurred. There were more than sufficient funds in the Estate money market to cover the tax payments that needed to be made. The IRS is claiming a penalty of {$4100.00} due to the dishonored payment. The Estate accountant sent a letter to the IRS explaining the situation and including a copy of the letter XXXX XXXX, People 's United customer service manager. In response, the IRS sent form XXXX 'Bank Payment Problem Identification XXXX which I forwarded to People 's for completion. They refuse to provide any assistance in this matter as it is their contention that it is not their problem, despite the letter from their officer XXXX XXXX XXXX XXXX acknowledging that it is. In light of the letter from XXXX XXXX dated XXXX XXXX, 2015, the position that Peoples has chosen to adopt is incomprehensible.
Product: Credit card

Ive always made sure to pay this account on time and have never let it become overdue. I dont understand why there are late payment reports on my accounts. Under 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis and XXXX have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my XXXX XXXX and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Mortgage

I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.
Product: Debt collection

I received a letter in the mail from Phoenix Financial Services for a debt I have no record of. The date of service does not match anything on my records nor does the amount owed. I have been paying the hospital and the doctors in question and I have never seen a bill for the amount they are requesting. 

I called the company on XX/XX/18 to try and understand the discrepancy better and was met with a very angry man who informed me after a long communication regarding how this payment did not match anything on record, he would simply mark me down as refusal to pay and the company will continue to peruse payment for the debt owed by any means possible and hung up the phone. 

I never agreed to these terms and simply wanted to find out why there was such a large difference in the date of service and amount I am said to owe. I called the company back and after two tries I was hung up on each time immediately. On the fourth call I got a woman who then transferred me back to the same man. I asked him for his name to which he told me had already given me his name three times. Upon the beginning of this conversation he did not tell me the conversation was in an attempt to collect a debt but instead yelled at me that he did not need to tell me his name. I reminded him not providing his name is unlawful and I would like to speak to a supervisor to which he told me they were closed and to call back tomorrow. He then hung up on me. 

I never said I was refusing to pay I simply will not pay anything until I know the amount, date of service, and the company I am dealing with matches the records of the service provider and hospital. To me the practice of telling me they will use any means possible to collect the debt and they are marking me as refusal to pay, not providing me their name, and not telling me the call is in an attempt to collect a debt all violet the fair debt collection practices.
Product: Credit reporting

I would like my XXXX for XXXX fixed please. It is reporting in collection when it is in deferment and current and has been for over a year. I have called both XXXX XXXX XXXX and XXXX XXXX XXXX. I have XXXX Loans with them. XXXX is closed, paid in full XXXXis for XXXXand is in deferment, and XXXX for XXXX which is in default. The problem is you are still reporting in collection when account is in deferment and in process of being forgiven. I have contacted both XXXX XXXX XXXX and XXXX XXXX XXXX who both stated the loan is in deferment not default and is not in for collection. I have filed multiple disputes trying to get this fixed and I am ready to contact a lawyer this is ridiculous. My next step is going to be to file a FTC complaint as my numerous attempts to get this fixed is not working and I want this fixed.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX account was hacked by scammer on XX/XX/23 and a fraudulent ZELLE transferred was made and not authorized by me. I received a text stating : We declined {$100.00} at XXXX XXXX, and I logged onto my XXXX XXXX  account and saw the fraudulent transaction XXXX XXXX and then noticed the fraudulent, unauthorized Zelle transaction for {$4900.00}. I reported both transactions to XXXX XXXX department and XXXX opened 2 claims for the fraudulent charge and a second case for the fraudulent Zelle transaction. XXXX informed me they may not be able to recover the fraudulent Zelle transaction and it will take them 10 days to investigate even though they can see the Zelle funds were transferred to XXXX  XXXX XXXX and name of the person that received the funds via Zelle. As a consumer, this doesnt sit well with me that there is no consumer protection against XXXX XXXX  like Zelle XXXX!!