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

us bank has been reporting the wrong information my name is XXXX not XXXX and is effecting it negatively acccount : XXXX i would like wrong information to be deleted off my report
Product: Money transfer, virtual currency, or money service

Was selling furniture on XXXX XXXX and was contacted by a scam XXXX account user XXXX XXXX to purchase my items I usually use XXXX through PNC ( more cautiously ) to accept payment and gave my email address to user who sent double the amount i was XXXX XXXX for and claimed that it came from my XXXX XXXX Account and since its going to a personal XXXX I had to pay extra to go through. 

The person said i needed to refund the difference ( {$200.00} ) and send it to a XXXX address for XXXX XXXX ( XXXX ) and then it happened again but this time I needed to refund a bigger difference ( {$300.00} ) to a different email for XXXX XXXX ( XXXX ) I also received fake emails from a fake XXXX account outlining the steps for the refund procedure. 

I have snapshot evidence of the entire messenger conversation, transactions and fake emails
Product: Credit card

I am having a dispute with Capital One over a credit card charge that I never authorised for {$1600.00} for NV XXXX XXXX back in XXXX 2015. 
Capital One have sent me a credit card slip, but it does n't have my legal signature and therefore is not vaild.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 card or prepaid card

We booked and fully paid total of {$2100.00} XXXX {$500.00} initial deposit, {$1600.00} final payment ) for a cruise with XXXX XXXX on XX/XX/XXXX. Due to Covid-19, the cruise was subsequently cancelled by XXXX XXXX on XXXX. At that time we elected to reschedule the cruise for XXXX at same rate. 
Since Covid-19 was still ongoing, XXXX XXXX cancelled the XXXX XXXX cruise. The option for refund was acknowledged and we filled out the proper documentation with XXXX XXXX for the refund. The refund confirmation stated that refund will be processed in 30-45 days. After several phone calls and continued request for refund with XXXX XXXX that went unanswered, we filed a dispute with our credit card holder, Bank of America and provided all requested documentation. Credits to the account with Bank of America were issued in the amount of {$500.00} and {$1600.00} on XXXX. No further communication by either XXXX XXXX or Bank of America was received until XXXX, XXXX Bank of America was denying the claim and will be reversing the previous credits issued. The claim was escalated with Bank of America on XXXX ( case # XXXX XXXX with XXXX who agreed to reopen the case but also advised we file with CFPB. Please see all documents attached including receipts, refund acknowledgement and subsequent BOA claim denials.
Product: Student loan

I paid off a XXXX XXXX student loan in 2008. I was not aware that an additional interest charge had been posted until some years later when I was contacted by Allied Interstate LLC who stated I owed {$300.00} ( the amount I had paid off was around {$600.00} ). Sometime in XXXX of this year I received a letter dated XXXX XXXX, 2015 that offered a settlement amount of {$45.00} if it was paid within 40 days of the date of the letter. I mailed a check to them on XXXX XXXX which they cashed on XXXX XXXX. That same day Allied Interstate LLC sent me another notice stating that I was still to pay the remaining balance and no mention of the settlement that was offered in the XXXX XXXX letter. They are refusing to uphold the terms of the settlement that they offered of their own free will and accord.
Product: Mortgage

At the time I went to pay my XXXX mortgage payment online ( XXXX XXXX ), I inadvertently failed to hit the last " Submit Payment '' button, which meant I did not make the payment. 

Later I received a letter from my mortgage company, Freedom Mortgage indicating I had not made the payment. I think I checked that I had a saved PDF for the payment, but either did not open it or did not see it was not a confirmation screen. 

We left town in mid XXXX and were away from physical mail until mid XXXX. 

When I went to make my XXXX payment online ( while away ), there was no indication that I was now indeed late. I also was unable to download my XXXX or XXXX statements at this time to verify what had happened. I made the XXXX payment. 

When I got home in mid-XXXX there was another you are late letter. I was still unable to see XXXX or XXXX statements. When I went to make my XXXX payment it was finally indicating I was late as the required payment was now double my normal payment. I checked my checking account from which I make the payments and could see the XXXX payment did not happen. 

I contacted Freedom Mortgage, and they seemed to understand the problem and would be happy to reverse one late payment ( maximum of their policy ), which they did. The person I spoke to sounded positive on the idea I would be able to have them repair my credit report, but I would need to submit a case via e-mail. 

I submitted a case by e-mail, but the declined to repair my credit report. I am unable to pursue this matter further with their XXXX XXXX Department, as they would not provide me with a phone number for this department. 

My credit reports with at least two of the three agencies now reflect two late payments on the mortgage, which seems unfair, as I feel I only missed one payment ; it just took me two months to address. There is also no distinction for a payment missed inadvertently, versus missed due to financial hardship or other issue. 

I was only able to see my statements for XXXX and XXXX as of XXXX XXXX. This made it impossible to verify from Freedom Mortgage 's records what had happened. It is even possible I did actually submit my XXXX payment, but their system failed. Their on-line payment system is frequently offline, and fails when I submit. I will attach a screenshot of an example of this. 

I also do not know how to add or update a contact telephone number on Freedom Mortgage 's website. They may have tried contacting me regarding the issue, but they may have been trying my home number while I was away. 

I would like Freedom Mortgage to be forced to repair my credit report, to improve their website so that contact phone numbers can be seen, added and updated, and that their website be modified to make it OBVIOUS that a payment is about to be or is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report incorrect information regarding XXXX on my credit report. According to the FCRA when I dispute anything, it's supposed to be removed. They NEVER remove what I am disputing and in fact are reporting incorrect information. They also stated they have conducted an investigation but has failed to produce anything with my signature or anything stating this account is a loan when it is NOT. I want this account removed from my report immediately.
Product: Credit reporting

I faxed over a dispute and mailed it to Transunion. Twice they lied and said they did not have a drivers license in order to not investigate my dispute. I am attaching my license so someone else can over see it. I also need the items in the letter investigated within 15 days because they are very much behind. 

I already sent letters certified to verify the following collector and creditor accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since the first week of XX/XX/2024, I have requesting in excess of 3 times via mail and at least once via phone of each credit reporting agency to correct my name and address. I have sent in via the U.S. Postal Service proof of my identification including my driver 's license, my social security card and the first page of a recent bank statement in an effort to correct the problem. I have even spoken at least via phone with each credit reporting agency regarding this issue, requesting that my name be corrected to XXXX XXXX XXXX XXXX that my address be corrected to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that my phone number to corrected to XXXX and that all information that does not match the aforementioned be deleted. Sadly, my efforts have been mainly fruitless.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF XXXXPER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.
Product: Credit card or prepaid card

I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.
Product: Consumer Loan

Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls. 
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I am a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct. 
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved. 
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it. 

We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late. 

We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info. 

XXXX ID XXXX was one of the reps we spoke to last Wed. 
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious. 
Im so disappointed in this company. There seems to be issue after issue. 
I want this late removed!!! 
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond. 
Caliber is an unethical and not looking out looking out for their customers best interests.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A XXXX XXXX THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} RADIUS GLOBAL SOLUTION IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
Product: Checking or savings account

XXXX XXXX XXXX decided to merge with schools first credit union effective XX/XX/2020. they failed to do so and they failed to send me temporary checks by XX/XX/XXXX, XXXX their website also failed so i was unable to create a new account, access any bill pay system or access my funds i live 2 hours away from a branch office and ALL of their consumer service contacts are unresponsive i'm unable to call them, chat or email them. 

i have payments that need to be made, like my mortgage! 

there should be consequences to them for such an epic failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been trying to call Equifax numerous times after reviewing my credit report and noticed several even duplicate credit inquires on my report. I get a very rude representative telling my there is nothing they can do! even after this big breach i have been getting more inquires that i never did. I called back again to speak with someone and nothing. I have sent letters to all 44 companies and have not gotten anything back form them and its been well past 45 days. I do n't think its right that our information was stolen and now we have to pay for it. I even put a fraud alert on my account to prevent this form happening. And I can not get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Product: Debt collection

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXX XXXX  Collections : FAIR COLLECTIONS AND OUT 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 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 XXXX XXXXWhat happened XXXX XXXX On XX/XX/2024, I became aware of this account on my credit report. I have never had any dealings with the original creditor, XXXX XXXX XXXX XXXXXXXX, and I do not have any joint accounts. Additionally, I have not made any payments on this account, and I believe this account has been incorrectly or fraudulently attributed to me.
Product: Credit reporting or other personal consumer reports

These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion
Product: Consumer Loan

I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?