23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was paying a debt for a medical bill to a company that first bought this debt. When that attorney retired, they sold the debt to another company. When this company renewed the debt it was for an amount of {$5400.00} in XXXX of XXXX. As of today XX/XX/XXXX, they are saying that I owe {$5900.00}. I called them to find out why it went up, and I was told that there was a post judgement interest of {$860.00}. Talking with the court today my amount to pay shouId be around {$4500.00} and I was not suppose to have any interest on this account. They said they record all their calls and I have been told more than once that there is not any interest being added on. Now that they did add on interest they had no reason as to why. I called the courthouse that the original judgement was made and they do not have records back that far in that office as they were not being scanned in at that time. I do have a written dispute that I am sending to the said company about the interest. That is the only way they will do anything. I have paid religiously, never been late or anything like that. I just feel like they are scamming me for more money. This has been going on as I have had to call them numerous times since they bought this debt and say they have recordings of all the calls. I have requested transcripts of those also. I am just afraid they are going to charge me an arm and a leg for that also. Please let me know what I can do as I do not believe this is being handled correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXFTC REPORT cover XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my experian report and XXXX inquiry is still showing on my report.
Product: Mortgage

We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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

XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved
Product: Debt collection

This debt doesnt belong to me someone used my information and they didnt pay for this and now its on my credit.
Product: Checking or savings account

On XX/XX/23 while attempting to purchase items from a gas station, my phone and other personal items were stolen. My phone wadny locked at the time. The thief completed 2 transactions before I could disable to device. One for {$1.00}, followed by a second for {$1900.00} ( clearly fraud ) which emptied my account. I filed a claim with Chase bank. However the claim was denied. When I asked what specific evidence I'd need to appeal, they could not provide me with specific info. I've submitted info from XXXX as well as my Police report. They refuse to reopen my claim.
Product: Credit card

XXXX year ago, I used a pre-printed convenience check mailed to me by Chase bank. This was a XXXX year interest free check. During this XXXX year term, I have sent Chase thousands of dollars OVER the minimum payment required. I specifically sent this extra money to pay off the convenience check. Chase claims they did not apply those extra payments to the convenience check balance. They applied to my overall card balance. As a result Chase is illegally charging me 45 % interest.
Product: Credit reporting or other personal consumer reports

.My name is XXXX XXXX XXXX XXXX i have 2 credit card accounts that's hurting my consumer report XXXX XXXX XXXX XXXX XXXX XXXX  that i paid on time and shouldn't be reporting late or closed as a late account that's a violation of 15 U.S. Code 1666b - Timng of payment i have a car loan that is reporting that's not mines ( XXXX XXXX XXXX ) and the account is not related to me the financial institution violated as well as the consumer reporting agencies 15 U.S. Code 6802 - obligations with respect to disclosures of personal Information, they also broken 15 U.S. Code 1681b - Permissible purposes i never signed no documents stating this inaccurate information can be reported i never not disclosing letters. I have the right to Sue and take legal actions for defamation of character, but i did file my FTC report and the law 15 U.S. Code 1681c-2 - blockage of information by filing my FTC report within 4 days the information on the credit cards should be deleted off my consumer report or updated as paid both credit cards XXXX XXXX , XXXX XXXX  XXXX on time 100 % or delete them both off my consumer report. The law states 15 U.S. Code 6805 Enforcement - that the CFPB is required and Authorize to make them uphold the law and remove the negative items that is not mines & reporting
Product: Student loan

Mohela has had my loans in forbearance since XX/XX/year>. After calling and filing complaint they placed some loans back in repayment in XXXX and dated it back to XXXX but did not place all 18 loans back in repayment. They have also misapplied my payments during all this time as well and having some loans showing in lesser pay ahead status than others. I have called countless times and have been on hold at times for more than 8 hours. They always want to send me to an advanced team member and that takes all day. I keep calling and emailing and messaging through the portal but to no avail.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5300.00} I WOULD LIKE PROOF OF HOW THIS DEBT WAS VERIFIED BY TRANS UNION WHEN CLEARLY NONE OF THE OTHER CREDIT REPORTING AGENCIES CAME TO THAT CONCLUSION. THIS IS INACCURATE AND SHOULD BE REMOVED IMMEDIATELY
Product: Credit card

I am writing to formally request your assistance in reopening and thoroughly investigating a disputed charge on my Citibank credit card account XXXX. Despite my initial dispute being declined, I strongly believe that this charge is unauthorized and fraudulent. 
I have contacted Citibank Security multiple times via phone, but my case has still not been reopened as of today XX/XX/2025. It is deeply disappointing to learn about the so-called Citi Rule, which allegedly prioritizes the merchant 's position in cases where the transaction was completed with a chipped card. According to the agent from Citibank Security Customer Service, no further investigation will be conducted, and the case will not be reopened for this reasondespite the fact that all charges posted to my account appear to have been customized. 
While I understand that the initial determination was based on the grounds that the charge was processed via a chip reader, I firmly believe that this alone is insufficient evidence to dismiss the case. It does not address the possibility of fraudulent activity by the merchant, nor does it demonstrate that the transaction with a charge of {$310.00} was authorized by me. 
Additionally, I do not know how the merchant XXXX XXXX, categorized under Beauty and Spas, was able to obtain access to my credit card information. I do not recognize this merchant and have never engaged in any transactions with them.
Product: Credit reporting or other personal consumer reports

CRA is Reporting inaccurate information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate on his or her Report I am requesting a deletion on XXXX XXXX Because XXXX is publishing inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

** AN OFFICIAL DISPUTE WITH COPY OF DL AND LAST 4 OF MY SOCIAL SECURITY NUMBER HAS BEEN MAILED CERTIFIED TO SAFERENT - THEY HAVE PERMISSION TO REACH ME WITH THEIR RESPONSE BY US MAIL ONLY. *** THIRD complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. Safe rent made 2 unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VALIDATE THEIR REPORTS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. FORCING ME TO CONTACT THEM BY PHONE IN AN ILLEGAL AND ROUND ABOUT WAY TO VALIDATE THEIR REPORT WILL NOT WORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 or 4 months certain lenders/companies can not access my equifax credit report. I've called them multiple times and it's always the same. Theres no freeze on my report on their end. They advised me to tell the potential lender to call the company directly and request it.
Product: Mortgage

During covid we were put on the covid relief plan. My wife knew nothing about this and I was never told it would have to be paid off at the end of the mortgage. I still made the payments. I filed 2 complaints with Wells Fargo and they denied both. We somehow had to owe an extra XXXX that got " put into a 2nd mortgage loan '' that nobody told us about until we were selling the house we find out we owe a lot of extra money and we almost lost everything. There were no phone calls about this nobody called me or told me. My wife knew nothing. Neither of us signed anything. They said it was all done online in my account. That's putting a lot of trust in something online with no signatures or proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.
Product: Credit reporting or other personal consumer reports

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


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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I give authorization for Wells Fargo to move forward with this complaint. This account is currently in litigation in a Federal Court suit against Wells Fargo Auto. The account went to litigation due to a billing error that was ignored by Wells Fargo. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to Wells Fargo.
Product: Checking or savings account

MY CHECKING AND SAVING ACCOUNT WAS TOOKOVER FRAUDULENTLY AND THE ACCOUNT WAS FROZEN. THEY DIDNT TELL ME THEY WERE CLOSING THE ACCOUNT AND THE ACCOUNT RACKED UP MORE THAN XXXX DOLLARS ON INACTIVITY FEES. I REPEATELY TRIED TO DEPOSIT MONEY WHILE IT WAS FROZEN HOWEVER THEY DID NOT LET ME. NOW ITS REPORTING TO XXXX WHICH I BELIEVE SHOULD BE REMOVED
Product: Money transfer, virtual currency, or money service

On the second week of XX/XX/2021, I wired $ XXXX to Binance.com, a crypto trading company. I found them prominently advertised on XXXX. Upon setting up the account, I saw that all my funds successfully reached my new Binance account. Binance is a division of XXXX XXXX. 

I decided not to trade and withdraw. My account gets locked and I had to reset my password each day until I could no longer do it. Customer service via email was totally useless and I have no access to my funds Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.
Product: Credit reporting or other personal consumer reports

I received a denial letter from Resident Verify, a division of Entrata Inc. today. I do not waive my right to privacy. I did not give consent to Entrata Inc., Resident Verify or its affiliates to assemble, furnish or share a derogatory tenant screening report without my consent. I am now damaged by the information Resident Verify provided and will provide to future companies who may use them for services. I called to opt of their sharing of consumer information that is needed to apply for housing. i was denied housing as a result of the report Resident Verify and Entrata Inc. shared without my written or express consent. Resident Verify does not have a permissible purpose to share consumer information without the consumers consent to whom it relates. I incur the loss of {$300.00} USD I paid XX/XX/2024 for the application fees that have not yet been returned to date. I have also paid for hotels because I did not receive an approval based on the information Resident Verify alleged report compiled and certified to the fair housing agency. I am damaged and I require {$2000.00} USD for food and shelter for hotel expenses for 15 days.
Product: Checking or savings account

Last week up of the month of XXXX To make a withdrawal ATM machine Chase Bank froze my account I call them. I was told There was unauthorised use of my account. I was asked to identify myself up which I gave that information. The representative of Chase Bank in for me that Theme surance company that I was using was not that may be a scan. I called insurance company confirmed it was not a scam. But they had Made some changes to their identity. In doing so Chase Bank refunded me 3 months instalment on my insurance instead they would post an investigation to look into it. Now Chase Bank wants me to refund that 3 months payment back to them. To me it appears that Chase Bank is scamming me, I am requesting investigation of this. XXXX XXXX versus Chase Bank. I would like to form to be sent to me to file this complaint
Product: Money transfer, virtual currency, or money service

I had a friend send me some money on Venmo, and when I tried to transfer the funds to my account I had an error about verifying my phone number, It seemed strange because I had already done it and when I tried to re verify it told me this account number is already verified Now it wont let me access the account whatsoever and customer support is just sending me the same email saying to check security settings, but I cant even access the account anymore. 

I have XXXX XXXX  in the account that I desperately need and I also realized that this is a nationwide issue. I needed that money weeks ago and it caused an insane amount of problems that Ive had to deal with since.
Product: Money transfer, virtual currency, or money service

I created a Coinbase Pro account for trading cryptocurrency on mid XXXX. I was enticed to transfer digital assets to the Coinbase Pro account at that time. However, after I transferred the cryptocurrency to the account, my withdraw limit was set to XXXX. 

In other words, I am not able to transfer any digital assets out of Coinbase. It is fraud apparently. The restriction let me lose many investment opportunity and lose a lot of money.