23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear TRANSWORLD SYSTEMS I have no idea who, where, and what is XXXX XXXX XXXX, please I have never had any service by such company. I'll need to be resolved or we can take care of that with our court system. I don't know that company, I have never been to any business named XXXX XXXX XXXX. You are attempting to collect a debt that's false, and that is illegal to have it on my credit reports. I'll send this to XXXX to make sure to run an investigation on your cases because I looked Transworld on XXXX also it says you guys only purchase debts that are not true, inaccurate, false, and paid. Please I'll ask you to do a real favor, destroying my reputation is crime when you do it with a debt that I don't know of. Thank You!!! 
{ { { { { Opened : XX/XX/2016 ( 1 yr, 11 mos ) Account status : Open Amount : {$860.00} Amount : {$68.00} Original Creditor Name : XXXX XXXX XXXX } } } } } } }
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX from Chase. I have excellent credit and have never been late on a payment. I was denied because I have applied for and opened XXXX credit cards in the last 2 years. I have reviewed the Terms and Conditions associated with this credit card and there is no mention of a rule that says you can only open up to XXXX credit cards in the last XXXX years. I consider this false advertising as I made application not knowing that an undisclosed rule would exclude me. Besides the time wasted, my Credit Score was lowered by a hard inquiry that I couldn't have possibly known would end in a rejection. Since Chase has made a hard inquiry on my Credit Account and seen that my credit is excellent, I ask that they reconsider my application for this card and provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And Equifax has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Mtr Accpt/Infiniti Fin amount not reported In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

SENT CERTIFIED MAIL REQUESTING AMERICAN EXPRESS SEND A MONTHLY STATEMENT WITH MY FULL ACCOUNT NUMBER ON A PERSOANAL LOAN I TOOK OUT WITH THEM TO DATE I NEVER RECEIVED LOAN DOCUMENTS AND OR FULL ACCOUNT NUMBER .I AM STILL WAITING, I THINK I GAVE A WRITE TO A FULL ACCOUNT NUMBER FOR MY RECORDS.
Product: Credit card or prepaid card

I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS COLLECTIONS, who either bought a debt, or are collecting on a debt for XXXX XXXX XXXX XXXX are reporting this account to my credit report. They are doing this for one reason, to extort money from me. They never reported the account when it was opened, or when it was paying and now a collection agency is reporting it, neglecting all the positive history of the account. If they did not report the good, they shouldn't be allowed to go right to the bad times! 

The bypassed the entire debt cycle. They skipped the open date, current payments and the billing cycle of 30, 60, or 90 days delinquent and went right to charge off. 

This is false and misleading to future creditors of mine, and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I sent letters to EQUIFAX describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to expolit the system, leaving users vulnerable to scams. This lack of accountability and transperancy is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signing up for XXXX service at new home. They use SageStream , LLC which produced a letter noting a very low credit score, an incorrect spelling of my name and asked for a non-refundable deposit. 

I followed the " dispute '' details and faxed a copy of my drivers license. 

When contacting XXXX - no record of account nor details on this firm were noted. 

Now I am paranoid regarding a scam, infuriated regarding a credit scoring system not matching the ratings from the " big three '', and mad regarding a request for a non-refundable deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moved into XXXX XXXX paid first month plus security house came available next month gave notice but still put on report and it's been 7 years and it's appearing fresh starting all over again. Government forgiveness paid debt and it's still showing on report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added to my dad 's XX/XX/XXXXoriginating XXXX credit card account as an authorized user in XX/XX/XXXX or XX/XX/XXXX. I was removed as an authorized user in XX/XX/XXXX. I am experiencing TWO problems with Discover : 1. Although I was authorized to use the card until XX/XX/XXXX,  Discover reversed once approved charges made from XX/XX/XXXX through XX/XX/XXXX. Discovered stated I was found to have used a card I was not authorized to use. 

2. Though Discover, in its act above, affirms I was not a card co-owner, and in fact - by their ruling, not even an authorized user, yet - Discover has twice refused to remove the tag line from my credit report. 

II am currently trying to get a mortgage and the debt reported, including payments my DAD is making are counting against my debt : income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Product: Vehicle loan or lease

In XX/XX/XXXX I filed for a due date change due to not having enough funds in my account. Which my car note is XXXX. Well after changing jobs and taking a severe pay cut. I tried to change my due date around XX/XX/XXXX and I was unable to. And I wasn't told weather I could or couldn't change my date a second time several months down the road until I called in. Nowhere on their app was this stated. 
Well it is XX/XX/XXXX and I made my late payment of XXXX $ little did I know I wasn't able to pay it so tired to cancel it after I got home from work. I was unable to cause the option was no longer there. I was not informed that I wasn't allowed to cancel after a certain time which was right after XXXX. Also, around the time I would have normally gotten off work. I don't get home until after XXXX because I have to get my XXXX from daycare. And being as most of the time i work without taking my break being as busy as it is during the morning towards the night I was unable to call or cancel if I would have known the cut off time. 
So I called and they told me that they couldn't cancel it at all. they told me to call my bank my bank would tell me to wait til it is process and file a dispute report which can take days to a week. 
I want people to be aware of the type of business they run. Not really helpful when it comes to due date changes or payments. Also not informing their consumers about their terms. They tried to knock off the late fee which was a whole XXXX XXXX I didn't care about them trying to come to an agreement by bribing me with taking the late fee away. What they can do is offer customers a change of date or you know actual assistance instead of this now their may be an overdraft when all is said and done. congrats capital one for doing what you do best XXXX people over and causing more of hardship for people that are currently struggling
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

x 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Mortgage

XX/XX/XXXX, XXXX XXXX XXXX released {$4200.00} to XXXX XXXX for homeowners insurance fee. I did not authorize or consent for that transaction. After several hours on the phone with both businesses, I was able to get XXXX to refund me the {$4200.00}. It took about 30 days to get the refund check. I submitted a {$4200.00} payment ( for escrow account reimbursement ) on XXXX XX/XX/XXXX and have the customer account activity statement to prove the payment amount and date. XXXX shows no placement of the funds in escrow. But took it in as a principal payment. Servicing changed hands as of XX/XX/XXXX to Specialized Loan Servicing. SLS claims I have an outstanding XX/XX/XXXX payment and therefore am delinquent. I have had at least 4 phone calls in late XXXX as the transition occurred and through XXXX with XXXX being assured it will all be handled once the full transition occurs. There has no been no resolution. Today XX/XX/XXXX, I just spent 20 minutes on hold for SLS to tell me they have had NO ACTION on the payment research request I initiated in XXXX because, " It was routed incorrectly '' I have made a XXXX and XXXX payment on time and in full amount but SLS keeps telling me I am delinquent. I don't mind if the XX/XX/XXXX payment was directed to the wrong place. But SLS shows me as making no payment in XXXX AND my escrow account is short {$4200.00}. I can and am willing to make either the XXXX payment or an additional payment to rebolster my escrow account, but I cant do both. I am unwilling to do either until SLS can tell me where my XX/XX/XXXX payment of {$4200.00} was directed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if what I sent went through. Trying again to submit complaint. For 2 years I have been diligently working on obtaining an new home. I was approved for a home with credit scores in XXXX 's and above for XXXX XXXX. My next review of my scores will be in XX/XX/XXXX. 

My due date to make car payment is the XXXX of each month. In XXXX ( on or before the XXXX ) I received a call asking for payment. I sent {$490.00}. A few days later another call came in asking for payment and I sent another payment ( thinking that something went wrong with the first payment. Internet has been slow these past few weeks. So I contacted the company and asked for a copy of transaction history to see what had happen to my payments. I had the two confirmation text, but I was still getting calls so was concerned. I saw that I also had a email from fico.com stating that my credit rating had drop from Santander submission. I went to check and my Fico scores were now in the high XXXX. All three bureau had dropped my points by XXXX points. I was very upset and contacted Santander. 

I spoke to first Santander representative and she stated that my account was 30 days past due. I stated that my monthly due date was XXXX each month. She stated she did not see that in her system. I stated that it is in the system, because 3 years ago I requested the date change and it was approved so that my due date would fall near my pay date from work. I asked to speak with manager and a man name XXXX came on the line. He verified my payment date of XXXX ( employee ID XXXX ). I stated to XXXX that I had a copy of my payment transaction history from Santander for the last 2 years and it showed where I made 2 payment in XXXX ( which covered XXXX and XXXX ) within the 30 days time period and that this may have thrown off the count for them. XXXX referenced a XXXX missed payment, which I stated that that date was within the 30 day time frame as well and that that time period was marked over 30 days late as well in error. I asked if the mis-reporting could be corrected and he stated no that Santander does not make corrections to credit reporting on dates that fall out of the 30 day window. I stated to XXXX that for XXXX years, I have paid on time within the guidelines and at the end of the conversation I realized that this company did not want to admit their fault. 

I am providing the Santander transaction history for 2 years and a snapshot of myfico to show that every month I have pay within the guidelines and only have 2 past 30 days in which they are not past 20 days ( due date for payment is XXXX each month ). 

To say that I need this corrected asap is an understatement. For mortgages, the scores have to be XXXX and above and I was in the XXXX and high XXXX. 

I in turn need this corrected as I have done exactly what I was suppose to do.
Product: Debt collection

My account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.
Product: Consumer Loan

I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ), XXXX, XXXX and TransUnion are required to maintain the maximum possible accuracy of the information in my credit report. The reporting of this account is blatantly inaccurate and misleading for the following reasons : 1. Late Payments After Charge-Off : Reporting late payments ( 30, 60, 90, etc. ) after the account was charged off is inaccurate and unethical. A charge-off signifies the account is closed and written off as a loss by the creditor, making late payment updates redundant and misleading.

2. Re-Aging of the Account : By reporting new delinquency updates each month alongside the charge-off, this account is being unlawfully re-aged, creating a false impression of ongoing delinquency and harming my credit score further.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a lack of compliance with your duty to ensure accurate reporting. 

I am not disputing the validity of the account but rather the accuracy of the way it is being reported. If XXXX can not obtain verifiable evidence of this reportings accuracy, this account must be updated or deleted under FCRA 611 ( a ) ( 5 ). 

I demand that this matter be corrected immediately, and I expect a written response within the 30 days required by law.
Product: Bank account or service

On XXXX, XXXX XXXX, 2015, i went into the PNC branch in XXXX on XXXX to exchange some spare change I had. The bank said they do not have a coin machine and refused to exchange my currency if i did not put it in sleeves myself. How can this be that one of the largest banks in the United States refused to commercially exchange U.S. coins for dollars?!
Product: Credit reporting or other personal consumer reports

Multiple fraudulent inquiries are on my report I do not recognize these inquiries. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Cap one XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name AMERICAN EXPRESS Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance XXXX XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXXAccount number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXXXXXX XXXX XXXX XXXX  Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX
Product: Mortgage

In     XX/XX/XXXX  (  XX/XX/2016  ) I had request ed again ( I do not have a date of the previous request ) tha t PNC applies my  extra payments to principal rather than advance the due date and taking their interest. I would like to reduce my principal and pay less interest. I had to call again today because they have not been doing this and instead they are taking my money. Now they also have messed up my escrow account and are saying I owe an extra {$660.00} rather than the {$110.00} which is the amount my taxes went up. I understand I owe my taxes through escrow and am happy to pay however it should be accurate.     I called today and was refused a supervisor when I requested because the agent could not understand that {$110.00} and {$660.00} was not the same and she could not or would not tell me my payment amount that is due in less than a week! I guess since they have to correct the mistakes they made she could n't tell me so I do n't know what to pay and  may  not face a late fee because they made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name on bank account, never have opened account at Bank of America and never had XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is non functional as a credit bureau.They have been unreachable online for over a week.When I called the fraud dept they speak XXXX ( unintelligible combination of XXXX and XXXX ). 
I WANT TO DISPUTE XXXX  XXXX ACCOUNT XXXX ACCOUNT IS CLOSED NOT OPEN.THE BALANCE IS LESS THAN THE CREDIT LIMIT, ALSO INACCURATE.
Product: Credit reporting or other personal consumer reports

I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( XXXX, Equifax, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.
Product: Debt collection

I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.