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

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Case Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Case Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 
XXXXXXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
MI XXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX  Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Vehicle loan or lease

urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier )  refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents as your reference regarding the complaint i'm submitting to CFPB today regarding these companies as they are reporting inaccuracies on my credit report
Product: Student loan

Hello, My name is XXXX XXXX, I live in XXXX, Arizona. I'm an XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX and I work at XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I've done multiple terms with XXXX and amassed a sizable education benefit that I've been trying to use toward my student loan payments since XXXX. I was never invoiced for XXXX so found out in XXXX that I was past due. I followed the process to send payment from my XXXX education account immediately, but MOHELA rejected the payment. 

On XX/XX/23 I called them and navigated a phone tree for 45 minutes before it dead ended and ended the call. I called again and tried different options and waited 50 minutes to speak with someone. She couldn't figure out why the payments were rejected, so she escalated me to a supervisor. 

That supervisor walked me through resubmitting the payments through XXXX with a slight change in how I did it last time. She assured me it would go through and she said that it was an issue that comes up sometimes with XXXX payments. 

I sent 3 payments that day to catch up my account. 

Today, I received a past due notice of {$1200.00} with threats that I will be sent to collections. They again rejected my 3 XXXX payments even though they walked me through it, and said I did it correctly. 

I'm desperately trying to fix this. I can't get sent to collections because we plan to buy a house soon. I have the money in my XXXX education fund that I worked hard for. I'm trying to pay them, they are very, very difficult to get a hold of, and I need help please. 

I've called and spent multiple hours navigating their phone tree just trying to reach a live person, but I keep hitting dead ends on the phone tree that end the call. I've only been able to actually speak to someone that XXXX time when they walked me through doing the payments ( which still got rejected ). 

Is there anything you can do? Any way you can help me to be able to speak with someone there who can help me? All I need is a way to talk to someone and see why they keep rejecting my payments. 

Their phone system uses social engineering to make it extremely difficult to reach someone. They force you to listen to recorded messages that are over 4 and over 5 minutes long before offering an option on the phone tree which then takes you to another lengthy recording. They bounce you back to the AI assistant and some of the options are just dead ends that don't offer any way forward but to hang up. 

You can try the number yourself to see what I mean- it's XXXX. 

I'm trying to do the right thing, please please help me to reach them. I feel completely helpless and so stressed out. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX
Product: Mortgage

Caliber Home Loans paid property tax that had already been paid. They deducted the funds from my escrow account during a refinance. For 2 months now, I have been making phone calls in an attempt to resolve the matter. A couple of weeks ago Caliber denied receiving a refund check from the county. Caliber recanted when I provided the check number, the amount, and a statement from the county stating the check was cashed. Caliber now admits they owe me the money, however multiple phone calls have resulted in no specific date I will be sent a check. I spoke to a very rude supervisor named XXXX today. He claims he will call me back with a date, however past promises of a phone call by Caliber have resulted in no call back. I believe it is horrible to take a veteran 's money and hold it during this time of the year when many purchases are made. It is a slap in the face to all current and past service members.
Product: Student loan

I feel that they were steered into forbearance for the first two years of loan. Then I apply for an income-driven repayment plan and I have been paying now for 5 years and loan has n't gone down at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX- Last reported XX/XX/XXXX, {$1400.00} LVNV FUNDING LLC- Last reported XX/XX/XXXX {$1400.00}
Product: Credit card

This is in regards to a Home Depot credit card. I went into the store to make an {$11.00} purchase and was approached at the register by one of the store employees who represented herself as being one of the people in charge of signing up customers for credit cards. She told me that if I filled out a credit application that the purchase I was making would be free of charge, simply for making the application. I gave her the information to fill out the card and was cashed out at the register. Since the purchase was so small and had been represented as free of charge, I did n't bother to check the receipt for how the transaction was actually done.I do n't have great credit, so I was n't sure if I would even be approved, but I was. The first statement came in the mail and had an outstanding balance of {$1.00} and change plus a finance charge or {$2.00}. I immediately called the company to tell them of the deceptive practice, to cancel the card and refuse payment. Over several months, I have called and written to the company regarding this matter, even using the email option provided by Home Depot ; getting no satisfaction. I just keep getting bills with additional finance charges and late fees. I can see that eventually this to will be added to my credit report as a bad debt. Per your instructions, I am sending a copy of one of the bills I have received, but it is an older bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter of concern regarding certain accounts appearing on my credit report. 

ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Despite my persistent efforts to dispute the accuracy of these accounts and ensure their verification, I have encountered significant challenges due to a lack of adequate information. Consequently, I am unable to confirm the validity of these accounts.

Given the limited information available and the absence of proper verification, I strongly believe that these accou

nts may be the result of identity theft or a mix-up of files. In light of this situation, I kindly request the immediate closure and removal of these accounts from my credit reporting. 
While I want to Reserve my intention to take appropriate action in response to the ongoing violations associated with these accounts, I emphasize that my primary objective is the prompt closure and removal of these erroneous entries. By promptly addressing this matter, we can work together to resolve the issue and alleviate any concerns. 

I trust that you share my commitment to maintaining accuracy and fairness in credit reporting. Resolving this matter swiftly and ensuring the accuracy of my credit report are in everyone 's best interest. 

I kindly request your urgent attention to this matter, and I expect a timely response acknowledging the closure and removal of the mentioned accounts from my credit reporting. Once this action has been completed, I would appreciate receiving written confirmation. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I remain hopeful that we can reach a fair and civil resolution.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.
Product: Mortgage

In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Product: Checking or savings account

Good afternoon, I am filing a complaint regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c- 2 ( a ), as I am a victim of a recent data breach. These accounts, listed under my name, are the result of fraudulent activity, and I respectfully ask that they be removed from my credit file to prevent further damage to my credit profile. 
Please consider this request under the provisions of the Fair Credit Reporting Act and take the necessary action to block and delete the following accounts : Accounts to be Blocked/Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries to be Blocked : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX opened an account in my name without my knowledge or approval and when that account was not paid they sent the account to a debt collector called Southwest Credit Systems. I have attempted to contact XXXX about this but have not been successful in reaching a human to put the account directly into dispute with them although I have sent them numerous letters and have attempted to call. I have never used XXXX for any service and I do not even live in an area that XXXX services. I have attached a copy of the FTC affidavit of identity theft to this complaint.
Product: Credit card

I closed my account with Lowe 's XXXX XXXXXXXX on XXXX. I stayed on the phone for over an hour to close the account and was told the account was closed. There was a XXXX balance when I closed the account. In XX/XX/year> I received a bill from them. I advise the company that this account was closed and I didn't have an account. I closed the account again in XXXX. The company is still charging me interest on an account that was closed in XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has reported me late to the credit bureaus on a Home Equity Line of Credit. I contacted BofA and asked for the reporting be corrected. I work in a XXXX XXXX. For some reason BofA was not including the XXXX  number on the monthly statement. I have other account with BofA, business & personal checking, these statement does include my XXXX number in the address. 
I contacted BofA and requested a correction to my credit report. BofA told me I needed to file a dispute with the 3 credit bureaus. I filed a dispute and included copies of the monthly statement with the insufficient address. I later received a letter stating, information reported is accurate from the bureaus. 
According to the Fair Credit Reporting Act, It is the creditor responsibility to make sure they have the correct address for the consumer. This reporting should be corrected.
Product: Bank account or service

Between the dates of XX/XX/XXXX and XX/XX/XXXX I used my Paypal account to pay for XXXX XXXX rides. I have used paypal for about 15 years now and know very well. I set it up so that my payments will always come from my PayPal credit account unless I choose to change it. However, XXXX and Paypal have started a partnership. Some how this partship gave Paypal the right to choose which credit card or bank I use to pay for XXXX without any notice which cause my account to overdraft. They do n't seem to care much, but it affects me and a lot of other people. Without notice they decided to take my money from wherever they please and had no remorse for the damage it costs. I never received any letter regarding this changes, and from what the manager told me, they did not both to let anyone know. Had I had any inkling that they are invading our wallets without asking, I would have chose a different credit card, but no information was ever given.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX  / XXXX XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit card

Recent receive a call from my credit card company with an overdue balance of XXXX of an account with a balance of XXXX that I did not used or authorized. Called credit card company to report and to close the account immediately.