23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach
Product: Debt collection

Frequent calls from " nco '' to my dedicated home security alarm & video phone line. Their numbers XXXX ( XXXX and XXXX ) are blocked for access, but they still call and try to get pass the code.
Product: Consumer Loan

I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.
Product: Payday loan, title loan, or personal loan

I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXXXXXX XXXX XXXX yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to request XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

Sincerely : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 1681XXXX 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: Mortgage

My current account has been with Chase since XXXX. I also maintain a credit card account with them. I have a good credit score of XXXX and I have never been late with any payments. Additionally, my salary gets deposited in my current account and I've had a good relationship with the bank without any penalties or fees to date. 
I purchased a house on XX/XX/XXXX as an investment property with another lender because Chase refused to give me a home loan. This was despite having a regular salaried income where I work as a finance manager, a high credit score and no debt in any form. 
I was approached by Chase after the home purchase by one of their mortgage agents asking me if I wanted to refinance. I agreed and sent them all the required information including XXXX 's, tax forms, lease agreements, tenant check deposits etc. The mortgage agent requested a good faith deposit of {$500.00}, which I paid. The appraisal was done and the property was valued above the price i paid. My loan was locked at 4.5 %. I was asked to provide reserves, which I did, showing {$42000.00} of combined reserves. Chase now refuses to meet its promise by demanding more and more reserves, and refusing to provide the loan. This is an undue burden being placed on me, stemming out of XXXX discrimination. 
I am a woman who is not XXXX and speak with an accent. I have experienced first hand how difficult it is to obtain a loan despite having good credit, a good relationship with my bank and having my salary credited there. I never imagined that this level of blatant XXXX and gender discrimination is allowed to flourish with such impunity by banks in the USA. I am a XXXX, XXXX employee of a XXXX XXXX company and have worked in the XXXX field for over 8 years with a XXXX XXXX. 

Will Chase be demanding its white clients to jump through so many hoops? Would it require its white, male clients to pay higher than normal interest rates for the same risk profile? Would it expect its white, male clients to provide years of mortgage payments as reserves? When do immigrant women become 'perfect ' enough for Chase to provide a loan? 

They have no legitimate reason to back out of this agreement. XXXX XXXX the mortgage agent suggested that I shop other loans just in case. In case of what? In case Im not white enough, my name not anglicized enough or not male enough? If my salary is good enough for Chase to accept and do business with, then my credit should be good enough for a loan. Chase can not be allowed to blatantly discriminate and get away with this kind of shameless, immoral and unethical mortgage discrimination anymore. Its XXXX and not the antebellum South. Its time Chase realized that as well.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against American Express for unauthorized reattempts to process returned payments, which have caused significant financial and emotional distress. 

Details of the Complaint : Timeline of Events : XX/XX/year> : Platinum Card : Authorized payment of {$2700.00} ( returned due to incorrect bank account ). 

XXXX XXXX XXXX : Authorized payment of {$4200.00} ( returned due to incorrect bank account ). 

XX/XX/year> : Payments were processed and subsequently returned due to the incorrect bank account. I initiated a wire transfer immediately to resolve the issue, but it was too late. 

XX/XX/year> : XXXX XXXX : Authorized payment of {$2700.00}. 
XXXX XXXX XXXX : Authorized payment of {$4200.00}. 

XX/XX/year> : XXXX XXXX XXXX : Unauthorized automatic reattempt of {$4200.00} by American Express, leaving my bank account with {$2800.00}. The unauthorized {$4200.00} was successfully processed after their second attempt because I had sufficient funds to cover the {$4200.00} I authorized, but this withdrawal led to my authorized {$4200.00} and {$2700.00} payments resulting in insufficient funds. 

XXXX XXXX : Unauthorized automatic reattempt of {$2700.00} by American Express, pushing my account into - {$4000.00}. 

Both authorized payments processed after unauthorized reattempts, resulting in further negative balances. 

XX/XX/year> : XXXX XXXX XXXX : Reversal of unauthorized re-attempt payment ( {$4200.00} ), bringing account back to - {$2500.00}. 

XXXX XXXX : Reversal of unauthorized re-attempt payment ( {$2700.00} ), bringing account back to {$130.00}. 

Third unauthorized automatic reattempts by American Express : {$4200.00} and {$2700.00}, causing further negative balance impacts. 

Issue : American Express has claimed that their right to reattempt returned payments is stated in the monthly statement. However, I was never explicitly informed of such a policy, nor did I provide explicit consent to it. I rely on the card service agreement for understanding the terms and conditions of my account. The latest card member agreement does not XXXX American Express the right to automatically reattempt to withdraw money from my account. 

The unauthorized reattempts have pushed my bank account into negative territory multiple times in the past week, resulting in significant financial disruption and emotional stress.
Product: Debt collection

I have never had this account. Someone has opened accounts in my name.
Product: Credit card or prepaid card

I made online payment to Macy 's on XX/XX/21 of {$200.00}. The amount was deducted on XX/XX/21 from my XXXX  XXXX XXXX checking account. The amount has not been applied to my account and the agent informed me that the amount is on authorization hold until XX/XX/XXXX. Why? It wasn't a check. it was an ACH payment. What reason could there be to place the amount on hold for 10 days?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was involved in several national data breaches ( neglectful XXXX being XXXX. ) As a result my information has been stolen then sold onXX/XX/XXXXo the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. TransUnion, XXXX and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within four ( 4 ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( XXXX ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.
Product: Vehicle loan or lease

I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.
Product: Prepaid card

XXXX which is the portal used to access my cards information stopped working ( for me as well many other customers ) in XXXX. 

many of the gift cards attached to my account are expiring in XXXX and therefore I am unable to use them before they expire because Blackhawk network cut my access to XXXX 

I am requesting a refund or replacement card for the amount of all my cards that are expiring in XXXX and are attached to my account XXXX. 

I have filed the ticket XXXX with XXXXXXXX XXXX from their customer service.
Product: Credit card or prepaid card

CitiBank keeps sending ACH to bank multiple times, after bill is paid, resulting in multiple overdraft fees.
Product: Mortgage

From about XX/XX/2021, we have had a harder time paying our mortgage before the end of the grace period. We have maintained our payments and kept it current by paying before the XXXX of the next month, when a new payment comes due. 

In the last 2 months, we struggled to pay by the first and the lateness progressed, so we reached out to the company to rectify our delinquency. 

The company requested documentation and we uploaded the information per their request. 

Their sole resolution to our issue was to delay 1 payment, change our mortgage payment to {$9.00} less than its current amount, to lengthen the loan repayment from XXXX XXXX XXXX years, AND require a forbearance amount of {$61000.00} due at the end of our loan, but doesnt accrue interest. 

Wow, what generosity. /sarcasm I am sickened and appalled that this is their resolution for moving a single payment to the end of the loan to bring it current. 

How many people has Rocket Mortgage, or others, screwed with such foolishness? Why are mortgage companies allowed to prey on consumers when we fall behind ; especially when our tax dollars bailed them out just over 10 years ago?
Product: Debt collection

I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX  on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX   datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and Experian informed me they have the right not to investigate which means its okay to update incorrect information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis will not forward me a copy of my credit file after I submitted the required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX, XXXX. : XXXX... 
XXXX & XXXX : 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 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of the data breach at Equifax on XXXX XXXX, 2017. The data breach occurred between XX/XX/XXXX and XX/XX/XXXX, and they just released the info to the public. I have since put a 90 day fraud alert on my file and checked my credit report to make sure everything is the way it should be. Equifax allowing hackers to have access to my information ( along with the information of over 100 million others ) for months is incredibly irresponsible and reckless.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attempts to contest some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. The accounts are listed below : XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Balance : {$120000.00}, XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

I submitted my request for Public Service Loan Forgiveness after completing 120 payments while working for a non for profit institution in XX/XX/XXXX. After waiting 3 months I received a denial letter in XX/XX/XXXX with no rationale as to why I was denied. I contacted Fed Loan Servicing who informed me this letter had been a mistake and that the loan forgiveness was still being processed. Now 6 months later I have not received an update and the company says they are still processing. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX