23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?
Product: Vehicle loan or lease

American Honda Finance Corporation removed my active car loan account from my credit report on XX/XX/XXXX, while I'm still making payments and have another few months of lease. I've never been late, or missed a payment on my car loan. This has caused me a sudden " XXXX points '' drop of my credit score, and destroyed and ruined my credit, and caused me extreme distress and financial damages. I contacted them a numerous times and each time not only they were extremely rude and condescending, but also they kept passing me to different departments and none of them could tell me why they have removed my account, all they did was pretending that they have opened a case to reinstate my account and each time they gave me a different case number, which did not actually mean anything. They told me to wait maximum 30 days, for the account to show up on my credit report again. I waited and waited, and in the meantime I kept contacting them and requesting to talk to one of their supervisors, finally after I told them that I will file a lawsuit for the damages they have done, a woman named " XXXX '' who claimed to be a supervisor called me back. She also gave me some lame excuses for removing my account and told me that I am not the only one that they have removed their account, but she assured me that that they have reinstated my account and the latest the account should be back on my credit report by XX/XX/XXXX. All of them including her lied to me and it was a false promise. They have NOT reinstated my car loan account. Finally on XX/XX/XXXX, not only that active account with Honda was not added back to my credit report, but also they removed another account from XXXX, which was in good standing and caused additional drop of my credit score. From my understanding, Honda Finance Corporation has done this to many other people and from what I have heard, there is some sort of TAX BENEFIT for them when they remove people 's accounts. If you XXXX this issue and check the XXXX  site, you will find many complaints about the same issue with American Honda Finance. Some sort of action needs to be taken to hold these crooks liable for playing games with peoples ' credit, causing them financial loss and all sorts of damages.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681C-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and n
o other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

On XX/XX/XXXX I called Great Lakes to issue a refund in the amount totaling over {$16000.00}. They informed me that request should take no longer than 30 days and my account would be updated within 20 business days on the request was approved by the Department of Ed. 

On XX/XX/XXXX, 5 weeks had passed with no update to my account or update on my request. I called Great Lakes for an update and was told that my account should have been updated by 20 business days, and yet it was not. I also still had not received a refund or and update on the request. They informed me that my request was approved with the Department of Education but it was " in process ''. They had not informed me that it could take up to 60 days. 

As of XX/XX/XXXX there has been no progress on my request. It has been over 50 days since I initially requested my refund and have seen no progress. There are multiple testimonials online with others submitting requests later than mine and receiving their refunds already. I do not understand how there isn't a priority depending on when a request was submitted.
Product: Mortgage

1 ) Sold our home at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX onXX/XX/2019 Regions Bank provided a XXXX balance letter in support of closing and then standard paperwork was sent to Regions Bank to close the HELOC. Regions failed to close the HELOC per standard industry procedure. 
2 ) In XX/XX/2019, an automated system within the loan department at Regions Bank charged the still open HELOC {$9100.00} for Hazard/Property Insurance on the property sold in XX/XX/2019. This charged was reversed the same day.

3 ) On XX/XX/2019, Regions charged the still open HELOC with a {$9200.00} and labelled it a Customer Service Adjustment.

4 ) In early XX/XX/2019, I spoke with a person in Regions loan department. They stated they had not received the documentation of sale and gave me a fax # to send it to. We complied that day. They still have not closed the HELOC and interest is accruing. 
5 ) On XX/XX/XXXX, I discovered the HELOC was still linked to our checking account for Overdraft Protection. While traveling overseas, I had mistimed a deposit of funds and credit card payment. XXXX Bank was alerted that the payment would be returned and to resend. Regions Overdraft Protection kicked in  the next day. It was repaid that day. 
6 ) Transaction Details Below. 
POSTING TRAN TRANSACTION REFERENCE AMOUNT DATE DATE DESCRIPTION NUMBER XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX XX/XX/19 XX/XX/19 HAZARD INSURANCE PLACED {$9200.00} CR XX/XX/19 XX/XX/19 PRINCIPAL ADJ DR {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - PRIN {$100.00} CR XX/XX/19 XX/XX/19 ADJ - INT {$17.00} XX/XX/19 XX/XX/19CUSTOMER SERVICE ADJUSTMENT {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - INT {$87.00} XX/XX/19 XX/XX/19 INTEREST CHARGE {$41.00} INTEREST CHARGE ON CASH ADVANCES The local branch has no authority to help in this matter as a the account in controlled within the loan department. I am retaining counsel but want the public to know that there is either a serious software issue within Regions, or outright fraud being perpetrated by internal employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSE TO REMOVE TO XXXX XXXX REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..
Product: Mortgage

In XX/XX/XXXX my husband and I applied to Nevada State Bank for an Equity Line of Credit. The documents were submitted by the branch to their central loan department. Zions Bancorporation issued a XXXX XXXX XXXX XXXX on XX/XX/XXXX, for almost {$200.00} XXXX less than the amount we paid for our home the year before. We were told that the low appraised value was sufficient to approve the amount we requested. All documents requested were submitted quickly. This equity line of credit application remained outstanding until XX/XX/XXXX when we withdrew our application because we were tired of the delays. 

At the end of XX/XX/XXXX, we applied to XXXXXXXX XXXX for an Equity Line of Credit with the same terms and promotional interest rate. They appraised our home at {$130.00} XXXX more than our purchase price which corresponds to the rising market values in our area. Within 3 weeks of our application we were offered a line of credit 150 % higher than the amount we requested. The difference in the treatment from the two banks makes me wonder if other minority applicants are treated in a similar manner as we received from Zions Bancorporation.
Product: Mortgage

I have been trying to do a loan modification since XXXX due financial hardship n XXXX and XXXX ; it has been 3 years of being pushed back from the mortgage servicer, which has changed XXXX already. My unpaid balanced grew to the point of foreclosure instead the company tried to helped me out to keep my home.
Product: Debt collection

My identity has been stolen as well as my drivers license information as well as several other pieces of information by a person connected to a XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several others I do not owe the debt.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed an account and that was reinserted back on my credit profile that I did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

Transunion lowered my credit score by XXXX points claiming XXXX accounts closed, XXXX  and XXXXXXXX XXXX XXXX those XXXX accounts were closed over 25 years ago and not now. I sent Transunion a letter to correct it but their response was a XXXX XXXX XXXX ... with no explanation as to the date those accounts were closed. 
I want them to correct it and add back the XXXX points to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX,
Product: Checking or savings account

I had a CD which matured on XXXX XXXX, 2024. I gave instructions for the maturing proceeds to be wired to my bank account at XXXX XXXX, but those instructions were not followed and the proceeds was rolled over in a CD for another 12-month term. I have made repeated attempts by calling their customer service line over a 2-week period to get them to release my money, but they have refused. They have said only that they would do an investigation and that someone would be following up with me, but they have not. It is now 4 weeks later and I still have not heard from them.
Product: Student loan

Hello, My student loans are currently being serviced by XXXX I have two direct subsidized loans ( XXXXne balance is {$1900.00} and the other is {$1800.00}. I have one additional XXXX subsidized loan with a balance of {$0.00}. I have TRIED at least XXXX different times in the past year to pay off these loans in FULL starting XX/XX/year> and every time I make a payment in full, the Advantage system says that the payment was " reversed. '' Now, one year later, I owe an additional {$110.00} because they don't allow payments to go through. XXXX XXXX  XXXX XXXX of their service and have researched it and it sounds like this is a known issue. It sounds like they are reversing payments, so they can collect more interest from the borrower. I have checked the bank account numbers and everything is correct. I need to get this resolved though so my loans can be paid off and I can not be charged any more interest. I would also like them to waive the {$110.00} in additional interest since I first made my payment in full almost one year ago.
Product: Credit reporting or other personal consumer reports

I am sending this complaint due to the fact I have reach out to Experian Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX i did not authorized my friend to use my phone to send money from my account to her account by using Cash app. The amount was {$1000.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize and have requested info on the accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked my credit report. Upon looking over my report I noticed serval inaccuracies. According to FCRA Experian is expected to report the information on my credit report with 100 % accuracy. The account that I would like you to verify is Account Name : XXXX XXXX Account Number : XXXX.
Product: Prepaid card

On XXXX, I received an email from my friend that she needs help to give {$300.00} XXXX gift card to her sick friend because she, herself is on traveling. I checked her email for just in case, but her email address is correct as usual. So I wanted to help her and bought XXXX XXXX gift card ( $ XXXX ) and send it with pin #. Until that time, I did not know it's scam. 
I tried to call to my friend to make sure, but she didn't answer me. 

I was asked for another {$300.00}. so I recognized it's scam and deleted those emails and changed PW. I reported that scam to the bank. 

It's really horrible that how the scammer use my friend 's exact email address.
Product: Prepaid card

I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services. 
I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.
Product: Debt collection

Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  XXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I found these inaccurate names and addresses in my credit reports. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of names and addresses which do not belong to me : 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 XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute an account in collection that I see on my credit report. The account is called Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, XXXX, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Product: Payday loan, title loan, or personal loan

The interest was not was the lender originally discussed. The terms of loan are not what lender discussed. The lender lied about rates and terms of loan. For almost a year year I did not have access to statements. Also the lender threatens to repossess car and continues to call after being asked to stop.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 
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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Citibank credit card in XXXX. I have used it as my primary credit card since that time, and have used it as my sole credit card since XXXX. For the past few years, Citibank has failed to report my credit card -- which I have had for 26 years and have paid on-time for all of those years and in full for well over a decade -- to XXXX of the XXXX major credit reporting bureaus. While this was a minor annoyance in the past, I would now like to take out a home equity line of credit to replace my roof and fence. Because Citibank does not report my card, which would be the oldest trade line on my account and would have a sizeable impact on the percentage of credit available to me that I access ( it has a {$25000.00} credit limit. I use between {$3000.00} and {$5000.00} each month and pay that amount in full each month ), the non-reporting means that my credit file is thin and that my score is lower than it should be. I opened a new credit card XXXX months ago because I need something on my credit report. I was denied for XXXX cards and finally approved for XXXX with a {$2500.00} limit because my credit file appears thin and my score is lowered due to the non reporting of this longstanding, paid in full and on time, tradeline. I have called the credit reporting bureaus and they tell me there is nothing they can do. I periodically call Citibank and the customer service rep claims to escalate my concern to an " offline '' group that I can not talk to. Then, I get a form letter in the mail about a month later telling me that their investigation concluded that I can report my concerns about my credit to them at any time. This is not a solution. I need access to credit so that my house doesn't fall into disrepair and Citibank 's decision not to report my payments on this very longstanding card are hurting me. I'm doing what I can to build my credit but having a {$2500.00} credit limit on a brand new card isn't doing much. Also, the last time I called Citicard, the customer service rep offered to connect me with a XXXX who could discuss my credit reporting issue. He transferred me to XXXX. Which can not help me. When I contact XXXX, there are not human beings that answer their phone. I am able to go on XXXX 's website where I can giver permission to XXXX to link to my Citibank credit card to pull monthly payments that it alleges will improve my score, but even though they are going through my credit card payments and charges, they can not add my credit card to my file. I can not even with this. XXXX has staff who answer the phone, but they can not provide any information about how to fix this problem other than to call Citibank again, which I've explained is useless. This has been going on for years now, and it was kind of silly at first, but I now realize that it is actively harming my ability to function in society even though I have a well-paying job and decades of on-time payments. I am out of hope and ideas and am just waiting for the day that my roof starts leaking, damaging my home because no bank will lend to me.