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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I signed up for XXXX XXXX XXXX services using my Comenity Capital bank BJs credit card and it was only a trial to see if the services would satisfy me, which they didn't. I returned the phone to XXXX XXXX where the service was initiated and after that I continued to receive billing statements from XXXX XXXX XXXX despite my request to cancel service. Subsequently I visited a local XXXX XXXX XXXX office where I spent 3 hours getting the matter resolved and then filed a dispute with the credit card company and was told they would begin an investigation. This was back in XXXX or XXXX and despite my providing evidence that the service was cancelled and all charges should be refunded they have only credited my account with one of the charges, the lower one. I  have repeatedly sent secure messages via their website and all they do is write back asking me to call them which I have done and gotten nowhere. Thus they clearly have not handled the dispute as it should have been handled These are the dates and amounts charged : XX/XX/21 {$22.00} and XXXX {$45.00}
Product: Mortgage

I have my home loan thru Quicken Home Mortgage ( loan # XXXX ). Each year I ge an escrow shortage bill which dutifully pay in order to retain my current mortgage payment and each year this company says that I still owe money?? I paid that bill on XX/XX/2021. Today this company sent me a letter threatening me with foreclosure! I want this harassment to stop and show me legal justification for substitituting a new $ figure that does not correspond with the escrow shortage initial request. Along with hat offense that tack on a late fee which is illegal!
Product: Debt collection

We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue to call.
Product: Mortgage

We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.
Product: Credit card or prepaid card

Hello, I purchased 2 XXXX train tickets with my Chase Sapphire Reserve card to visit XXXX with my family in XX/XX/2021. However, the city of XXXX went into lockdown due to COVID when I was suppose to visit so I could not get on the train. The charges were {$32.00} and {$100.00}. I purchased insurance for these tickets. Since the city of XXXX was in lockdown when I was supposed to go, I could not legally get on the trains. I need a refund based on the insurance policies I purchased. 

I tried disputing the charge with the merchant but never heard back. I also tried disputing the charges with Chase which they originally accepted and issued a credit. Then they claimed they gave me an online message on XX/XX/XXXX saying the credits were reversed. I never received this online message ( I checked multiple times ), but I did receive physical letters saying the charges were added back. I called Chase immediately on XX/XX/XXXX but they said I only had until XX/XX/XXXX to dispute the reversal of the credit. This means I had 1-2 business days to continue the dispute instead of the 60 days according to the Fair Credit Billing Act. I believe Chase is acting illegally and not abiding by US consumer law. 

I would like a full refund because I purchased insurance for these tickets and I also am entitled to protections as an American credit card owner. 

Thank you. 

XXXX
Product: Student loan

I have applied for PLSF prior to XX/XX/2022. I have the required XXXX payments and yet done loans showing XXXX payments remaining and XXXX payments remaining. I show XXXX ineligible payments that should be counted towards eligibility.
Product: Credit card or prepaid card

On multiple occasions, I attempted to render full payment on my TD Bank credit card issued in conjunction with a purchase at XXXX XXXX XXXX. TD Bank rejected payment on the purported basis that my check lacked an account number, which was a patent falsity. 

I again wrote a check for the full debt amount on or about XX/XX/2019. Before that check was cashed, I received a debt collection call from TD Bank, during which the employee recognized that I had made previous payment attempts. I was told that my paper check had again been rejected due to a purported lack of an account number. I again attempted to make complete payment, this time over the phone. 

In conjunction with my phone payment, on XX/XX/2019, {$6400.00} was deducted from my checking account, reflecting a payment of my debt in full. Then, the next day, TD Bank attempted with withdraw a SECOND COMPLETE PAYMENT of {$6400.00} from my account, based upon my physical check that TD Banks own employee claimed had been rejected. This causes by checking account to overdraft, resulting in bank fees. In addition, despite my full payment, TD Bank is now demanding that I pay a {$35.00} check return fee, despite my full payment and being told that my check had already been rejected. 

TD Banks behavior has been opaque and misleading. I feel as if my attempts to pay my debt in full have been arbitrarily rejected to either extend the interest-chargeable life of my debt or to cause me to incur fees.
Product: Credit card or prepaid card

In XX/XX/XXXX when there were fraudulent charges put onto 2 of my credit cards. They closed both of these cards, sent me new cards and told me they were going to dispute the fraudulent charges on both of these cards. Because of the fraudulent charges, they did a Security Closure on both of these cards in XX/XX/XXXX. For CC ending in # XXXX, I was never liable/accountable for these charges/fees in XX/XX/XXXX since they were fraudulent ( XXXX charges ), but it shows that I was past due on this account in XX/XX/XXXX and is affecting my credit score at all 3 bureaus. In XX/XX/XXXX, all Late Fees and Charges on the card were credited and a note was added on the statement that it was due to fraudulent charges. Im not sure why it took 3 months to fully dispute and reverse the fraudulent charges off of the card, but due to this long tailed process, it makes it look like we were late on a credit card payment that we were never liable for paying in the first place. I have attached the appropriate documentation for your reference here : 1 ) XX/XX/XXXX Citi Statement Security Closure of Credit Card due to fraudulent charges 2 ) XX/XX/XXXX Citi Statement Late Fees and Interest Charges Credited due to fraudulent charges ( 3 months late, thus resulting in what looks like late payments ) 3 )  XXXX Credit Report XX/XX/XXXX 4 ) XXXX  Credit Report XX/XX/XXXX XXXX ) XXXX Credit Report XX/XX/XXXX As you will see in my credit reports, and from your own files, I am never late in making payments for any of my accounts. We are very responsible with paying our bills on time and try our best to be a good consumer when it comes to finances. We are currently in the process of trying to buy a home, so this is the worst possible time for this to be happening and for it to be affecting our credit score with all 3 credit bureaus. I would like to have your assistance in resolving this matter to appropriately reflect in your records and systems that we were not 30 days past due in paying on this account and to ensure that the adverse account in question is fixed on all 3 my credit reports, XXXX, XXXX & XXXX. 

I have sent information to CitiCard now in XXXX, XXXX, XXXX, and XXXX of XXXX to ask them to investigate and resolve this issue. My last request in XXXX was a good faith letter, asking them to remove the 30 day late charge for the fraudulent charge and that also was not accepted. 

I greatly appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX Balance : {$1100.00}
Product: Credit reporting

I understand the XXXX leading credit reporting companies are not to hold information after 7 years closed accounts or in 7 years of age since first reported to them. All mine are of the above, 7 years and more in terms of time lapsed since these were reported, and they are still listed against me, making renewed credit standing impossible to acheive, or a decent score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the sam e 1 page of paper work from   XXXX   XXXX   5 times since  XXXX  to remove their info from my credit report. It is for a Foreclosure.   XXXX   XXXX   has acknowledged and states in their response to me which I have sent Experian they were INCORRECT in filing the information on my cre dit history.After  submitting this to Experian and hours on the phone with them, they asked on the last submission  XXXX  I submit it vi a internet .The other s I mailed because I was unable to scan the documents until the last submission.They responded with wanting my I.D . again which I have sent at leas t 2 others ti mes on this complaint.I mailed it with a signature required  XXXX . on  XXXX . I sent m y D.L., SS  Card, and Passport. They have responded again with a refusal to remove inacurate info even thou the company who subitted it wrote a letter they made a mistake I submitted everytime.The other  XXXX  credit Bureaus have removed it the first time 6 months ago. I am now blocked off there site when I just tried to dispute this again. It seems whoever is handling this, it has become personal for some reason. Maybe they believe I wo n't take steps to try and rectify this. I was trying to buy a home. This is the only thing standing in my way. The correct information is a Deed  in Lieu for my sinkhol e home by  XXXX   XXXX   XXXX   correctly recorded  XXXX . It was purchased  XXXX  for remediation and people are living in it.   XXXX   XXXX   made the error  XXXX  .Experian nee ds to know they ca n't do this.They do n't like my attitude by now I 'm sure, but that is no excuse to play  XXXX  with someone 's credit history. I have the   XXXX   XXXX   letter, Clerk 's Office Copy of last  XXXX  when my name was taken off and signed to  XXXX . The new owner 's info  XXXX   appraiser 's of fice. I sent ALL of this everytime with my dispute. All I get is a refusal without explanation. I will be on the phone again with Experian and contacting m y State Attorne y General. PLEASE HELP ME!  XXXX   XXXX  I did attempt to download the same docs to your site fro m a flash drive but did not see anything that was apparent it did load. I can readily supply it. Please advis e me if you need it. I tried again at the end before I hit submit but could not tell It 's PDF format and I also tried WORD
Product: Checking or savings account

Check number XXXX to XXXX XXXX was cashed by them, it's for {$200.00} to XXXX XXXX who cashed it but claims they didnt.Chase bank refuses to give me a copy front and back of check XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX account where it uses FiServ to process payments to my bills on XXXX XXXX. FiServ allows deceptive practices to occur with it's clients, as to what is offered. When I investigated a late payment it was found to be decisioned to pay by a physical check based on the monetary value of the amount being sent, allowing a large bill to be processed in a different time frame which actually delays the payment and has a higher potential for being late and incurring fees and late charges. As a user of the system there is no way to know ( or for the Bank to lookup ) a dollar amount to see which pathway the payment will travel ACH 2-3 days and physical check allows for due date - 4 business days.There seems to be no accountability, as the blame was " XXXX credit card selected that option through FiServ ''. I believe it is up to the company offering the product to NOT allow deceptive or confusing billpay options to its clients and end-users.I believe this may be a a loop-hole that was set up to accommodate different scenarios but is instead allowing a profit from deceptive practices and really puts the end-user at a disadvanatge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts reporting negatively on my credit report. XXXX XXXX XXXX ( {$250.00} ) as well as XXXX XXXX XXXX XXXX {$180.00} ). I have disputed account with XXXX XXXX XXXX with  company as well as credit reporting agency Equifax and have yet to receive copy of investigation. Account was not verified and it took longer than 30 day requirement. I also submitted letter to XXXX XXXX XXXX whos is not licensed to collect debt in state of Florida. No response in 30 day time frame and account was not verified. I have submitted multiple disputes and no verification. Equifax has since had a breach of my information.
Product: Bank account or service

On XXXX XXXX, 2015 I was mistakenly charged {$1700.00} from vendor XXXX XXXX XXXX XXXX selling makeup. I bought XXXX lipsticks and facial cream which should have totaled {$60.00}. 
I did not catch this error for 2 weeks, Once I did, I called XXXX and was informed she did not have the Monies to refund me. I went into my bank ( US BANK XXXX and filed a complaint for fraud. they issued me a provisional credit on XXXX XXXX as XXXX XXXX was not responding to me or them. after 90 days I received a letter from US Bank resolutions dept that their investigation was completed and my credit was now permanent. Upon recieivng this information I thought all was done. Sadlly on XXXX they reveresed their decision and took the monies back stating XXXX XXXX had produced a signed receipt ( which I have never done ) I told the agent she swiped my card on a square card thru her phone and I never signed anything now was i given a receipt ( I know XXXX XXXX as a long time acquaintance and have bought from her in the past ) this reversal of monies overdrew my account and US bank charged me {$140.00} in fees. I was devasted that my bank could do this after giving me a letter telling me the fraudulent credit was permanent. I called US Bank and was told the reolution agent would call me on XXXX and they would aslo send me the receipt all of which I have not received nor has anyone ever called me. I have walked into the US Bank office on XXXX XXXX XXXX XXXX XXXX and spoke with the bank manangerXXXX and explained all to her. She was to investigate and offer me another credit. XXXX did pay me with a cashiers check of {$800.00} issued thru her XXXX XXXX XXXX XXXX account thus the new balance owing me is {$890.00}. I asked XXXX to dispute this new balance and get me a provisional credit. to date Nothing has been done. I was back in her office on Monday XXXX XXXX and she informend me she was still working on it. Yet no one has reacehd out or returned my calls or emails, I went online and emailed customer service thru my account and emailed XXXX XXXX XXXX as well again on XXXX. I am not getting Anywhere and feel cheated and stolen from. I will also be filing a complaint on XXXX XXXX XXXX by XXXX who operates out of her home. I now have to labor this with small claims court as well. How can my bank issue me a credit tell me its permanent and then take it back? I want this resolved and my {$140.00} in fees reversed as well as a permanent credit for the remaining disputed fraud charges to my checking account of {$890.00} balance
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXX XXXX XXXX  Account # XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. There are multiple discrepancies on my report from ALL three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are not complying with their own policies in a timely manner.