23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX I co-signed for a car for my grandson because of my credit they put my name first my grandson was late every month with his payments because his payment date from his job did not match up with the due date for the car note this was not brought to my attention until XX/XX/XXXX once they called me we changed the due date so that he would not be late and this was XX/XX/XXXXXX/XX/XXXX he was behind two payments at that time the company was called XXXX XXXX   the only way I found out he was behind was because they reported it to the credit bureau and they took 80 points off my credit I call them and ask why they did not reach out to me XX/XX/XXXXthey gave him an extension I spoke to two people within the last couple of weeks one said they gave him 6 weeks within the loan to catch up and he still behind a half a payment which I did not see on printout to catch up the other said they put those two payments at the end of the loan then changed it and said one payment the contract States the loan was 47 payments and the amount was for {$18000.00} the loan was supposed to end XX/XX/XXXX I had them to send me out his payment sheets his contract a few days ago after the extension they continue to charge him late fees even though the date was changed he paid all his payments on time after that and two additional payments at the end of the loan they say he still owes an additional {$900.00} on the principal but he has paid {$18000.00} a little over what the contract stated the full payment would be so they told me he signed a modification I asked my grandson he said he did not so I told them to send it to me when I read the modification his signature was not on there but mine was and signed incorrectly they did not have my permission they forged my signature this car is paid in full all these additional fees they want to add on I feel it's illegal and they need to be stopped they once again report it to my credit and took 78 points
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Experian. Despite my initial contact with Experian on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} does not match my recollection. Additionally, I would like to highlight that this account has a closed and charged-off status. I am planning to engage in a conversation with the creditor to clarify the reported data. In the meantime, I kindly request that you mark this account as disputed and remove the amount indicated in the " Past Due '' section. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. I have no recollection of ever entering into a contract with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Moreover, the reported balance of {$450.00} is higher than what I believe it to be. As a result, I am disputing this entire account and requesting verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX XXXX : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX XXXX : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account XXXX : XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : DEPT OF ED/XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.
Product: Money transfer, virtual currency, or money service

As a XXXX Checking Bank Customer, we were told to submit all international wire via Bank of Mellon as stated on their website. I initiated an international wire from my XXXX XXXX XXXX account to Bank of Mellon on XXXX. Yet 2 weeks later, the wire is nowhere to be found. The value of the wire is over $ XXXX USD. When I called XXXX, they said the money is stuck with Bank of Mellon. When I called Bank of Mellon, they said they can't talk to me. XXXX XXXX insisted they sent the money properly and they traced the money to be at Bank of Mellon. I would like the CFPB to step in and ask Bank of Mellon to trace my funds transfer. They need to deposit it to XXXX XXXX  ASAP.
Product: Vehicle loan or lease

IN REGARDS TO ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX I HAVE DISPUTED THIS ACCOUNT WITH THE BUREAU AND IT HAS COME BACK VERIFIED AS ACCURATE AND THIS CAN NOT BE RIGHT BECAUSE THIS IS NOT FACTUAL. THIS INSTALLMENT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED AND I HAVE PROVIDED PROPER DOCUMENTATION AND THEY HAVE REFUSED TO REMOVE THIS NEGATIVE ITEM FROM MY CREDIT REPORT.I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN USED TO OBTAIN GOODS AND SERVICES I NEVER AUTHORIZHED OR SIGNED FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report
Product: Student loan

I attempted to attend XXXX XXXX 20 years ago and was lied to and recruited under the impression that I would have grants to pay for my education as a single mother with no child support! I don't have any paperwork I didn't have a computer at the time I was learning how to use a computer! I lost my apartment I almost lost my car after Covid I am trying to find a place to live in my credit score dropped XXXX points because of a delinquent student loan for a school that has been closed for fraud! I attended XXXX XXXX  after XXXX and that school has also been discharged and dismissed for fraud! Please consider dismissing this loan I am unable to pay this at this time due to credit obligations after XXXX!!! I have now been turned down for a place to live because of this XXXX XXXX XXXX delinquent loan
Product: Debt collection

I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has XXXX XXXX and XXXX has Vance and Huffman llc amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX  there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
Product: Credit card or prepaid card

To get around the provision of the CARD Act of 2009 that allocates payments to higher interest charges, Citibank is charging the same interest fee for cash advances and new purchases. 

This allows them to avoid allocating my payment to the cash advance, and instead they allocate to new charges that are not yet due. This results in an outstanding cash advance, which they then charge interest on monthly until my account balance - of all charges from past months and the current month not yet due - are paid in full. I think this is in violation of the spirit of the act, but ok, maybe that's just how banks and credit card companies get around the law to make money. 

But it should be illegal because they are charging me interest after I paid the balance due in full each month. ( This is because they allocated the cash advance amount to new charges that have been made since the account closed the prior month. ) I have loved my Citibank card and its effective customer service and fraud protection but not anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 American Express placed a hard inquiry on my XXXX credit file for an account that has not yet been opened. It hasnt been opened because they are requesting banking information. I am a consumer, this is an open end credit plan and these additional requests are misleading, fraudulent and a direct violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not XXXX  the balance out as I was told but have a balance reporting of {$420.00}
Product: Credit reporting or other personal consumer reports

I have been trying to remove accounts that were caused by identity theft for over a year now. I have filed a police report with the XXXX police department, and this is my 12th attempt to correct this injustice.
Product: Credit reporting or other personal consumer reports

Theres an account on my XXXX called XXXX XXXX XXXX XXXX  Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by XXXX on my credit profile. This account is a problem account because XXXX  doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application XXXX  was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX  and XXXX  but not XXXX. 

I have been calling XXXX  and my creditors for over a month now trying to figure this out. XXXX   does not have a credit profile for me and neither Capital One nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, Capital One, and my auto lease company, XXXX, to send my information to XXXX. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because XXXX  is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from US Sm Bus Admin ODA. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

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

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 10 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX ny address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that my mortgage loan used to be with community loan servicing llc account number is XXXX before my loan was sold to XXXX XXXX XX/XX/2021 I was approved for a loan modification my trial period payment was XXXX the due date was XX/XX/XXXX with a grace period as long I get in in before the end of XXXX. I got letter from prior servicing dated XX/XX/2021 from asset manager Mr XXXX XXXX phone number is XXXX XXXX XXXX faxXXXX  XXXX XXXX loan servicing llc saying I was approved I agree and accepted the terms then I ask Mr XXXX XXXX  that my loan will be going to a new servicing company called XXXX XXXX and I ask him would I have to do loan modification application all over again. He responded no everything will transfer as is and selene finance will honor your modification request because it was approved by your investor so I called XXXX XXXX  and put in my new account number XXXX and it still shows I am past due.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified several inaccuracies that require your immediate attention. Specifically, I have noticed the presence of the following erroneous collection item ( s ) attributed to XXXX XXXX XXXX XXXX, as well as inquiries from XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, and XXXX XXXX date of inquiry XX/XX/XXXX. I am formally requesting that you undertake a comprehensive verification process pertaining to this information and furnish me with copies of any documentation linked to your investigation. In the absence of substantiated verification, I insist that this erroneous information be promptly expunged from the credit file associated with my Social Security Number. 
Furthermore, I am requesting the removal of all non-account holding inquiries that have surpassed the 30-day mark, and I kindly ask for the addition of a promotional suppression to my credit file.
Product: Checking or savings account

I was XXXX  for XXXX months. When I was XXXX  I found the my funds from my XXXX benefits had been moved from my account. I went to the bank with my XXXX  dates and submitted my fraud claim but was denied. I requested the bank send me proof of me authorizing the transactions. I did not receive anything from them.
Product: Credit card

I am filing this complaint against PNC, the bank where I have been a customer for decades based on two reasons. The first deals with unethical business practices and the other relates to discriminatory customer service based on possibly my age as well as racial identity. On Wednesday XXXX, XX/XX/year> I made a payment to XXXX  for internet service that month. However, when I later checked my PNC account online I realized that XXXX  had submitted duplicate debits of {$110.00} for the XXXX bill. I immediately initiated a dispute message on-line to PNC explaining the duplicate billing of {$110.00} by XXXX  to both my credit card and checking account. My expectation was that once the dispute was started the bank would process my request by protecting my PNC credit card and not pay any money to XXXX. But I was absolutely wrong. When I checked with XXXX the next day, about the duplicate payment, the employee told me it was already on their system and my bank has to contact XXXX about it through the dispute process. In that same time period, I received a message from PNC about the payment dispute I had submitted. They informed me that more information was needed. My online response restated that the issue was duplicate billing and that the payment should not have been made to XXXX. The response was a similarly worded online message that just added insult to injury with a PNC employee sending me a copy of PNCs dispute policy procedures accompanied by a comment that I should ensure that I dont have future duplicate auto payments. I found the comment not only unintelligent but insulting as well, probably made due to my age and ethnicity. At that point I realized that PNC was not seeking to resolve the issue in my best interest, and I had to take care of the situation with XXXX  personally. Therefore, I contacted XXXX by telephone and explained that my bank had paid them duplicate charges. I added that my call was for XXXX to credit back my account with the duplicate {$110.00} paid by PNC since they were not helping me. The XXXX employee confirmed that the XXXX payments were received from PNC. She then took required information from me for processing the refund and informed me that I would receive it by XX/XX/year> back on my PNC credit card. Today XX/XX/year> the {$110.00} was credited back to my credit card. I am looking for another bank that would treat me with respect regardless of my age, ethnicity or financial status.
Product: Credit reporting

I have disputed a fraudulent account with identity theft police report I filed with local police department in which it states that I am a victim of identity theft and a fraudulent account was opened under my name from XXXX / XXXX which is a online web store. This account was disputed with Equifax on XXXX/XXXX/2016 and was removed from my credit on XXXX/XXXX/2016. Upon checking my credit again today ( on XXXX/XXXX/2016 ) it shows in my Equifax credit report again which means the fraudulent account is reinserted back in to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Mortgage

The home was refinanced on XX/XX/21, making our next monthly payment due on XX/XX/21. The payment was made on XX/XX/21 for the full amount, plus {$10.00} to principal. Then, another payment was made on XX/XX/21 for the XX/XX/21 due payment. The payment was not applied correctly for the XX/XX/21 and now they are reporting us to the credit bureau 's as delinquent. They have open numerous tickets to resolve this issue, but have yet to correct it and complete the issues. This has been ongoing for 2 months now, without resolve. In the meantime, we continue to get harassing phone calls to collect a " past-due '' amount for 2 month 's of mortgage payments. Now we are blocked from accessing the online portal- as that is a privilege provided by the mortgage loan servicing company. Now we can only communicate with the default department.