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

I requested for experian to remove XXXX credit card from my credit report, my XXXX  card went inactive on or about XXXX, I went to XXXX  on XX/XX/XXXX, sometime in XXXX XXXX  reopened my credit card without any authorization and the card was fraudulently used. It would have been impossibe for me to reactivate my card, I was in XXXX  with a sentence of XXXX  months which is XXXX. this account was reactivated under fraud pretence, I gave this information to experian and XXXX  card and they have continued to report this account with the fraud charges and as charged off, I am not reliable for this debt. I was XXXX.
Product: Credit card

contacted Capital One on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  to find out the status of the dispute. Was told by agent that I would be credited the {$1400.00}. This did not happen. 
Contacted the company XX/XX/XXXXXXXX XXXX XXXX XXXX to find out why I had not received the credit. I was told that they needed to check all the facts to determine if I was getting a credit. I informed them that this had been settled. They told me it would take another XXXX days for a decision?????????? 
contacted company XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to request a copy of the phone call that stated I would receive the credit and was told they would not give me the recording or a transcript. 
Unacceptable.
Product: Credit reporting

I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.
Product: Debt collection

I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report from XXXX I dont recognize and believe to be identity impersonation or identity theft.
Product: Debt collection

I've received a notice from PAM ( Professional Account Management ) a few weeks ago. I believe they are a debt collection agency for the XXXX XXXX XXXX. I've never received the statements from XXXX XXXX XXXX so I assume they went to PAM. I went ahead and called the customer service number XXXX and nobody from that number picks up so I ended up paying a few weeks ago. However, I've just received another notice so I decided to contact the number again. Same issue where I am just on hold with nobody to answer my questions on the transactions. I'm able to login to their website XXXX XXXX XXXX 
I don't want to double pay or I'm not sure if this is a scam. Please assist! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX XXXX, XXXX, the three major credit reporting companies - XXXX, Experian and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my Experian credit report.
Product: Credit card or prepaid card

I was robbed of all my possessions and I filed a police report with XXXX Virginia police department. My capital one credit card is one of the things stolen from me. I have contacted the company more then once including by mail. This issue has yet to be resolved. I need all fraudalent charges removed from my account.
Product: Checking or savings account

BANK OF AMERICA IS A MUTHER XXXX CRIMINAL!!! THEY ARE OPENING AND ADMINISTERING AN ACCOUNT AND WHO KNOWS DOING WHAT WITHOUT MY CONSENT,, AND USING FICTITIOUS NAMES TOO!!! FICTITIOUS NAMES VIOLATIONS, XXXX X XXXX $ $ 2ND DEGREE FELONY! criminals of america fefuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and I have submitted the information to Experian at least 6 times since XXXX, they still will not remove all of the accounts. The accounts that were opened fraudlently in my name are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX INQUIRIES XXXX/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 need to re-escalate these accounts that have been previously deleted by XXXX and Experian but XXXX remains reporting the same faulty and unauthenticated accounts on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.
Product: Credit card or prepaid card

I wanted to purchase furniture at XXXX XXXX  in XXXX, Tx and opened a synchrony bank home furnishing credit card and the owner told me he was going to charge me extra fees if I used that card. I was approved for & XXXX and picked out furniture, but when I realized he was charging that in fees I canceled my order and never received the furniture. He is reporting XXXX. On my credit but I dont have the product so I disputed with Synchrony bank but the took his side and will not put my balance to XXXX. Again I never used the card and never had furniture delivered to my home. Please help!
Product: Debt collection

Hello and thank you! I borrowed XXXX World Finance plus the XXXX brought the loan to XXXX. I paid XXXX of the loan but, was never given credit. I found my receipt for all of the payments. This has caused in adverse affect when I applied for housing because, it has been reported to all credit bureaus. Also, they sent the wrong amount to a collection agency called XXXX XXXX XXXX for the amount of XXXX I have made ( XXXX ) payments so far. I'm currently disputing this with XXXX XXXX XXXX. Thank you for that you do to help people who can't help themselves. XXXX bless us all
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Product: Credit card

I am being charged 23.99 % APR on the Cash advances that I pulled from this account. I understand I owe this finance charge for getting a Cash Advance. But the problem I have is that this monthly Finance Charge is being added to the Balance of Cash Advance to calculate the new interest amount at 23.99 % owed for the following month! Is this legal? The last time I pulled a Cash Advance was more than 12-months ago, yet my Cash Advance Balance continues to grow because they are adding the monthly Finance Charge amount to the bucket of Cash Advance to calculate the following months 23.99 % Interest owed. It has grown by almost {$2000.00}. I would like an explanation of why they are adding the Finance Charge to the Cash Advance bucket that calculates the interest at 23.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an letter to Bank of America Home Loans ( account # XXXX ). I advised Bank of America Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently XXXX days past due. However, Bank of America Home Loans sold the loan to another company and should be reported XXXX days past due.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2023, I deposited more than {$10000.00} into a new account with Marcus bank, acting upon their offer that guaranteed a {$100.00} bonus for opening the account, provided the balance exceeds {$10000.00} and is maintained for a period longer than 90 days. Despite fulfilling these criteria, the bank refused to award the bonus as promised. This has not only happened to me, but I'm aware of other customers who have faced the same issue. 

In an attempt to resolve this issue, I contacted the customer service of Marcus bank on three separate occasions. During the first instance, the representative inaccurately stated that my account balance needs to be more than {$25000.00} to qualify for the bonus, which contradicts the terms that were originally communicated to me. The second time, I was informed that my case had been filed for review. In my third interaction with the bank, I read the terms of the agreement to the representative who acknowledged my point but subsequently ended the call abruptly without further addressing the issue.
Product: Debt collection

In XXXX of XXXX it was brought to my attention by a lender while trying to get approved for a home that there was a collection item on my credit report totaling {$2700.00}. I was never notified of this collection, nor should I be held responsible for anything related to a debt towards XXXX  ( the original collector ) or TransWorld Systems, the current collector. In an effort to fix my credit and remove this collection for good, my wife and I were scammed by a company called XXXX XXXX XXXX into paying them to resolve this and delete the item from our credit report. Since then, we fired XXXX XXXX XXXX for fraudulently breaking the law by not being XXXX  compliant by being a for-profit company and charging us before the service was completed but they denied us ever being a client of theirs ( regardless of the XXXX XXXX as proof which we have attached below ). On XX/XX/XXXX I called TransWorld Systems and they advised me that XXXX requested to remove the account permanently and that their account balance for us showed {$0.00}. I demand that any and all collection items and history of this debt be permanently deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX
Product: Mortgage

I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. In Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Student loan

I tried contacting their company multiple times over the last few days. I am placed on hold for over and hour and then the phone disconnects. I tried to place my loan in forbearance online and its not giving me the option for a general forbearance. I know that I have 18 months left for general forbearance so this doesnt make sense. I need help.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 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 believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXXXXXX XXXXXXXX XXXX )
Product: Vehicle loan or lease

I have a complaint in about Wells Fargo regarding an auto repossession from a month ago. I have contacted them and told the person investigating my issue was not available and would get back to me and no one has. If they are calling they are not leaving a message to call back and I work during the day.. They are extending the time to respond to the claim I submitted far past the time the car is scheduled to be auctioned. I have contacted the number I was given but have not heard from the repo company as to whereabouts of my vehicle and am not able to get my personal items back which is supposed to be accessible to me. This has gone on for a month. 

I requested help with payments multiple times due to COVID and my related job loss and decrease in income. I was not given the correct paperwork. I asked if I could XXXX and told yes but they were not sending me a XXXX document. After several attempts I needed to print and sign and mail and so now do not have access to that paperwork. I saw that the loan deferment I requested was not being applied so I ended up making a payment in XXXX and XXXX but my vehicle was STILL repossessed at the end of XXXX. What happened to the deferment and why would you repo someone clearly making attempts to pay or get help?? 

Additionally, I found parts of my vehicle in my driveway and reported that immediately to Wells Fargo. Since the tail light was knocked out and I am uncertain what other damage was done I will not be able to drive my vehicle home with that issue when I pay. I was not given any solutions for that. 

I have requested that I receive initial paperwork with a break down of what is on the loan ( car price and additional warranty services ) because I have not been provided these. Complaint Number XXXX was for the dealership who refuses to give me a refund or the services that were included in this loan and I can not get any information from Wells Fargo XXXX I called them about this because they approved the loan and would know what I was charged for. ( auto vs. additional services )
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a fraudulent credit card company. I have requested proof of validation. EXPERIAN AND XXXX HAVE FAILED TO DO THEIR JOB IN PROVING ACCOUNTABILITY. I WANT TO SEE A SIGNED OR ELECTRONIC SIGNATURE STATING THAT I HAVE A LEGAL CONTRACT WITH THIS COMPANY. EXPERIAN HAS FAILED TO PROVIDE THAT DOCUMENTATION THEREGORE I AM DEMANDING XXXX  to be removed from my credit.report immediately thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously placed a complaint against XXXX XXXX  who kindly remedied the incorrect information however experian constantly claims they have not received the information, yet the other two have. They refuse to allow me to send the email showing the error and correction. They claim when they see my credit it doesn't show anything negative this is incorrect as I pulled my annual report and the experian three credit bureau report that still shows a late payment. I pay for their service also. I have exhausted every avenue of contacting them, and they do nothing.

This is violating my rights under the FCRA and causing it to reflect bad toward other creditors looking at my account.
Product: Checking or savings account

I used a ATM and the ATM didn't give me any money but it still took {$300.00} out of my account on XXXX XXXX  I noticed the charge and called Chime they told me to wait and maybe it would go away. I wated and on the XXXX XXXX XXXX it was no longer processing. So I called and talked to them again and they submitted a dispute for me. Then on the XXXX XXXX XXXX  they sent me an email and said I was denied. I called and they wouldn't tell me why but they said they will submit to have an email sent to me on why and I reopened another dispute. Then I got the email as to why they denied me it said they denied me on just my phone conversation with the chime representative. So they didn't have a reason. I called everyday leading up to yesterday when they still said theres nothing they can do. I called the ATM people and told them my situation. They said that they recieved the dispute and said that they sent my money back to chime on the XXXX and gave me a transaction XXXX XXXX XXXX I believe they called it. So I called chime back and they just passed me around saying that my dispute is still under investigation and there was nothing they could do.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of this year XXXX unaware that it was prone to car thefts my car keep getting stolen or the keep being attempts where someone try to steal it all in all Im stuck with the repairs cost thousands of dollars in repairs I cant keep up with paying the insurance because paying to get to and from work when the vehicle was stolen the 1st time I couldnt stay afloat XXXX  are expensive 5 days a week to and from work for nearly a month until they found the car and 3 weeks for it to be repaired after due to the overwhelming demand for parts due to high thefts for this model I am stuck in this loan with a car Ive have had for nearly 9 months and only have been able to drive it 2 of the 9 months Ive owned it total it was just attempted to be stolen again today window busted steering column destroyed again yes the immobilizer prevented them from getting it but the repairs are becoming extremely expensive XXXX shouldnt leave customers stuck with this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I have been trying to get my reverse mortgage settled with Novad for over 3 months and they do not answer phone calls or emails. I did receive an email from XXXX 7 weeks ago stating that if I had some questions he would help. Since then I have sent him 25 emails and he still hasn't responded. Two other people with Novad are on the email chain and their respond is no better.