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

I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK shows supposedly late however no phone calls, emails, or mail with a " late '' status to try and remiediate. i called yesterday XX/XX/2022 and they told me no late fee had been assessed and to call the credit company because they couldnt do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is refusing to investigate my identity theft claim citing that that identity theft is not " valid ''. I submitted my Identity Theft Report from the Federal Trade Commission to TransUnion and TransUnion is stating that report is not valid. TransUnion is violating my rights as a consumer and is willfully enabling Identity Fraud. I am once again attaching my ID Theft Report from the FTC and my letter. TransUnion required by law to investigate my claim and block and delete the items listed within 4 days and it has failed to do so. TransUnion is guilty of enabling Identity Fraud.
Product: Credit reporting or other personal consumer reports

My account with 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 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 21 days before the payment due date. 

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 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! 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY IDENTITY WAS STOLEN INFORMATION WAS USED WITHOUT MY CONSENT I DID NOT AUTHORIZE IT.
Product: Checking or savings account

I'm banking with truist bank a mobile check was deposited into my account 3days later the check was found out to be fraudulent and caused my account to go to a negative balance I paid the money back to the bank and my debit card was locked on the date my rent and Bill 's were due I made 2trips to the bank trying to find out why my card was locked I got the run around until I went back the second time to close my account out they wouldnt let me because my social sercurity check hadn't cleared it was still pending I've never had a problem before paying Bill 's on a pending social sercurity check this is terrible I cant pay my rent because of this truist is holding my money which is totally wrong
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX  XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I am writing about an error on my credit report that needs to be updated asap. Upon reviewing my credit report, I discovered that there is a late payment reported for XX/XX/2023 from my XXXX  credit card account. This late payment is inaccurate and I reached out to the company directly to resolve this. 

I am attaching the letter from XXXX XXXX XXXX XXXX, affirming that the reported late payment for XX/XX/2023 is to be updated to reflect as on time. This document provides clear evidence that the late payment was either a mistake or an oversight and should not reflect negatively on my credit history. 

As a responsible consumer, I take great care to ensure that my financial obligations are met in a timely manner. Therefore, it is imperative that this discrepancy be addressed promptly to avoid any unwarranted damage to my credit score and financial reputation.
Product: Credit card

XX/XX/XXXX {$2.00} minimum interest charge ALL payments made early, ALL payments at or above minimum amount due Made one payment OVER minimum by a significant amount ( sum of one whole payment ) to avoid future issues.

We now AGAIN have future issues.

Also, be aware that the full account number is no longer available given that I no longer receive ( or are charged for ) paper statements. Only the last four digits are available to me, the lender.
Product: Debt or credit management

I am filing a complaint against Beyond Finance for failing to deliver on their promises to help resolve my debts and for deducting unreasonable fees after I canceled the agreement. Their actions have caused significant financial harm, credit damage, and emotional distress. Below is a summary of my experience : 1. Enrollment and Payments : I enrolled in Beyond Finances debt settlement program in XX/XX/XXXXXXXX  to help manage my debts with XXXX XXXX and XXXX. 
I was instructed by Beyond Finance to completely stop communicating with my creditors and make no payments, which caused my credit card interest rates to increase and severely damaged my credit score. 
Over the course of the year, I deposited {$6400.00} into the account Beyond Finance provided, expecting that these funds would be used to settle my debts. 
2. Failure to Deliver Promised Services : By XX/XX/XXXX, I personally contacted XXXX XXXX and XXXX, who confirmed that there were no ongoing settlement offers. 
3. Cancellation and Fee Deduction : Realizing Beyond Finance had not fulfilled its obligations, I contacted them on XX/XX/XXXX, by phone and email to cancel the agreement and request a refund of my deposits. 
Despite this cancellation, Beyond Finance deducted {$6000.00} from my account, including : {$1300.00} as a service fee {$5000.00} as a settlement fee, even though no settlements were ever made. 
4. Unsuccessful Attempts to Resolve the Issue : I sent multiple emails to Beyond Finance requesting a refund of the {$5000.00} settlement fee, which I believe was wrongfully charged. My attempts to communicate with them have been ineffective, as they have failed to provide a reasonable resolution. 

Impact of Beyond Finances Actions : My credit score has been severely damaged due to the lack of communication with creditors and increasing interest rates. 
My financial situation has been negatively impacted by the unjustified deductions from my account. 
I have experienced significant emotional distress due to this situation. 

Resolution Sought : I am requesting the return of {$5000.00}, which represents the settlement fee Beyond Finance wrongfully deducted. These funds were not used to settle any debts, and I believe they were charged under unreasonable circumstances. I respectfully request this refund be processed within 10 days. 

Thank you for your attention to this matter. I trust that the CFPB will assist me in holding Beyond Finance accountable and securing a fair resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX Indiana stated that the amount that Old National Bank provided on my XXXX Form XXXX did not match the tax payments they received. My XXXX form shows {$2000.00} was filed with Indiana, however Indiana states they only received {$340.00} of those payments. 

I called Old National on XX/XX/XXXX and was informed that they merged with First Midwest Bank ( who used to make my pension payments ). Old National decided to merge the state ID 's so that the retiree only received XXXX XXXX form. 

Originally, Old National Bank tried telling me that it's not their problem. However, they quickly realized it was because I couldn't prove they sent the money. 

I have been in contact several times with only a response that they are working on it. My last request for an update was on XX/XX/XXXX. I requested the steps taken and where they stand in the process. I have yet to get a response. 

Personally, I believe they should pay me the {$1700.00} due until they get their issue straightened out with the Indiana department of revenue. 

Supposedly, I'm the only person in all of the Ironworkers Pension payments they make that this has happened to. If that's the case, I'm really concerned with what has happened with my money. 

I was also told by an Indiana Department of Revenue that this bank was being looked at. They also told me that they do not have this amount on the XXXX file from Old National. they say it only shows the {$340.00}, not the total deducted. I also shared this information with XXXX XXXX at Old National.
Product: Credit reporting

Sent a letter with my drivers license, social security card, and utility bill for verification of my correct address and requested removal of old addresses as they are inaccurate and there are ones I have never lived at. My response from them was a phone number deleted on  X/XX/XXXX   . My credit report has inaccurate information and I would like to get this resolved. It still has my ex wife as my spouse. We were divorced  XXXX . As well as phone numbers I never had. I included the report I got from Experian. Thank you for your time.
Product: Debt collection

My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. 

The company on the documents that is suing me is Albridge Pite and Haan. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today.

My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence.

I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. 

I can also get a written witness statement from my mother.
Product: Checking or savings account

I have $ XXXX with Capital one and they are failing to pay the advertised interest rates. They told me on a recent recorded phone call that their calculation is ( Account Balance Interest Rate 365 days in the particular month ). If this is true, they have been shorting me over {$100.00} per month. No matter how you calculate it, they are giving more than a quarter percent LESS than their advertised APY. This is criminal and should be investigated, not just for my account but everyone 's savings account. No one should have to worry that Capital One is shorting them on their interest balances. Every representative I spoke to said they can't explain why it's less and they are not allowed to give me the actual dollar amount I'm supposed to receive. This also means I am missing out on compounding interest for every month that they give me less than they should. They need to adjust the balance NOW to correctly reflect the interest I was supposed to be paid based on my account balances and also account for the missed compounding interest and pay me the difference. This also needs to be rectified to prevent this from happening in the future. Reporting to the OCC as well. It's not unreasonable to ask to be paid the rate they are advertising.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 605B ( 15U.S.C 1681C-2 ) that the Transunion credit reporting agency, block information appearing on my consumer credit report and breach of my identity that is the result of identity theft and fraud with in 4 days of receiving this complaint. this fraudulent, inaccurate and false information appearing on my consumer credit report as of the start date 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 XXXX XXXX XXXX. I have been requesting original documentation for all of the following credit reporting agency and have yet to receive any document of proof.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX and paid it back. Continued to call and ask me to borrow more money and I declined. Later I needed XXXX loan and was given that loan. I paid and then had hard times and that's when the harassment began. I was asked to come in make a {$5.00} payment and " renew '' the loan as I did. Still struggled to make payment. The calls and text became more aggressive demanding I give them a payment date that I could not give as I'm self-employed. I asked for a payoff after making payments for over a year and was told it was XXXX! I refused that this was accurate but was told that's it! 

The real problem began around XXXX when one of the employees ( XXXX ) walked in my place of business and became demanding and started insulting me. I asked her several times to leave and not to come back. She made threats and promises she would be back. I had another similar instance with the manager prior to this one, where she came in and acted like a XXXX child and stomped out. 

I have asked many times for a reasonable payoff to just go our separate ways, but the calls and text continued after I've asked not to be contacted via phone or text. XXXX XXXX They did an unauthorized hard inquiry on my credit that I have since disputed with CRA. 

It is my understanding that collections at a person 's workplace is illegal along with unauthorized hard inquiries of my credit and I ask for proper actions to be taken! 

At this point as mentioned on the last text to these people, I have no intention in making another payment and as I mentioned to them, my odds in a court room would be better than continuing to pay a predatory loan. My rights have been violated and the damages exceed the balance owed.
Product: Money transfer, virtual currency, or money service

I am missing my Federal refund that was sent to you guys to the wrong account that I still haven't gotten back. Did everything I was supposed and my banker reach out n did a harmless letter and everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.