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

I am writing to formally dispute inaccuracies in my credit report concerning late payment reports that do not accurately reflect my payment history. I have reviewed my credit report and noticed that late payments are reported for XX/XX/year>, which is incorrect. These payments were made on time, and I request that these entries be corrected to reflect " Paid as Agreed. '' Account Information for Reference : Account Name : Nelnet Account Numbers : XXXX, XXXX XXXX Disputed Information : Late payments reported for XX/XX/year> Action Requested : I kindly request that the above-mentioned late payment entries be investigated and corrected to accurately display as " Paid as Agreed. '' This correction is crucial for maintaining the integrity of my credit report and ensuring it accurately reflects my payment history.

Procedure : To the Credit Bureaus : I am filing this dispute under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and request that you investigate these discrepancies within the mandated 30-day period. Please inform me of your findings and any corrections made to my credit report.

To Nelnet : I also request that you review your records regarding my payments and update the credit bureaus with the correct information to ensure my credit report accurately reflects my payment history.

I trust that you will handle this matter with the urgency and seriousness it deserves. Ensuring the accuracy of my credit information is of utmost importance to me, and I appreciate your prompt attention to this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I transfered {$500.00} from my Marcus account ( Goldman Sachs high yield savings ) into my XXXX investment account. On XX/XX/2023 I was informed that Marcus denied the {$500.00} transfer for " insufficient funds '' and my XXXX account was - {$500.00}. Marcus showed my transfer as " Posted '' and took the {$500.00} out of my account. 

Both institutions are saying the other one has my money.
Product: Credit card or prepaid card

I received a referral offer to open a XXXX credit card in late XX/XX/XXXX/early XX/XX/2019 and accepted that offer thinking that it was for XXXX bonus points. The next day I realized that it was for 3 nights of XXXX points. I called into Chase letting them know that I didnt want that offer, but rather the XXXX points. The first representative told me to close that card and apply for a new card, which I did. I then called back a couple days later to check on that application and was then told it was denied because of the first application. I then asked the representative on XX/XX/2019 what I could do to still get the XXXX point offer and they instructed me to spend the {$5000.00} and then call back and have the bonus offer changed. I spent the {$5000.00} and then called back on XX/XX/XXXX to request the bonus offer be changed. It was at this time that I was told the Marriot offer does not have this return of premium on this card/offer and that they cant change the bonus offer. The escalation department listened to previous phone calls and agreed with what I have said but are not willing to change the bonus offer. 

I have spoken with XXXX ( ext. XXXX ) and XXXX ( ext. XXXX ) at the phone number of XXXX at Chase 's Executive Office. They reviewed the previous phone calls and agreed that the representative gave me wrong information and offered me XXXX bonus points for their error, which I appreciate but is not sufficient to me as I did what I was instructed to do to fix the problem but now Chase is not owning up to their own mistakes. I would not have accepted the initial offer if I was given the correct information. I greatly appreciate XXXX & XXXX 's efforts, but I don't think they are understanding the importance of the situation. 

Please contact me back by phone at ( XXXX ) XXXX and I authorize you to leave an in-depth voicemail or by email at XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates XXXX law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Equifax is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Equifax clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX 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 card or prepaid card

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

I have an account with Us. Bank saving and checking and the bank is withdrawing money from both accounts without my permission they are lowering my amount of many in both accounts to make me deposit more money but they have been withdrawing thousands of dollars with unauthorized transactions for the last couple months.
Product: Debt collection

To whom it may concern, I was looking at my XXXX XXXX  on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from CCS COLLECTIONS for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was CCS FOR XXXX XXXXXXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the XXXX XXXX of them in my collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized XXXX on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at XXXX and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.
Product: Debt collection

XXXX XXXX sued me and acquired a judgment against me in XXXX with out me knowing. At the end of XXXX I contacted Rent Recovery Solutions and paid that judgment. I contacted Rent Recovery Solutions as well as XXXX XXXX asking for them to file the satisfaction of judgment and they keep refusing to do so. Because of this I can not get approved to even rent an apartment or get a mortgage. I tried sending proof to the court and I was told that the debt collector or the original creditor are the ones that need to file the satisfaction of judgment with the court in order for the judgment to go away. They charged me some made up fees saying I owed somewhere along the lines of {$3900.00} initially and then claimed that I owed them {$2400.00}, when in reality the judgment was only granted for {$1800.00}
Product: Credit reporting or other personal consumer reports

I held a credit card balance on at First Tech Federal Credit Union for which monthly payments were low ( around {$200.00} ). In XXXX and XXXX I chose to make large lump sum payments to pay down my debt. On XX/XX/XXXX, I made a payment of {$4000.00}, which the banking app said was posted on XX/XX/XXXX. Two months later, I saw that the bank had submitted a XXXX late notice to credit agencies stating that I had not paid for the month of XXXX. I contacted the bank to correct the issue, and they agreed that I was not 60 days delinquent. However, when I reviewed my updated credit history, it showed that they changed the notice to a 30-day late notice for the month of XXXX. When I contacted First Tech, they told me that they submitted a 30-day late notice for the month of XXXX, even though I submitted a payment of {$4000.00} on XX/XX/XXXX. The credit union now refuses to correct this notice, stating that the billing period for the month of XXXX starts on XX/XX/XXXX. However, the bank did not notify me that I was delinquent in my payment, they did not attempt to contact me in XXXX or XXXX, and they never assessed a late charge. This is the first derogatory remark on my credit history and it dropped my credit score by XXXX points. I do not believe my new credit score reflects the reality of the situation, nor my upstanding payment history, and I am asking that CFPB review these practices to help reverse this decision and restore my good credit. At XXXX XXXX XXXX, such a hit would be devastating to my goal of owning property in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had an account with   XXXX   XXXX  , that was charged off in  XX/XX/XXXX .
JH bought this debt in  XX/XX/XXXX  They are reporting it as  XX/XX/XXXX  I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was  XX/XX/XXXX .
This is the only negative on my credit report. They deny that this debt is also out of statute.
Product: Credit card or prepaid card

A few years ago, I took a cash advance out on my Discover credit card to pay an employee. I knew the interest was higher but was unaware of Discover 's scheme to raise the balance of the amount charged the higher interest rate.

To keep it simple, I noticed the amount seeing the higher interest rate was about double what I borrowed for the cash advance. I called Discover and asked their reps about what I thought was happening and they assured me the cash advance balance was not increasing. But, it was. After several more phone calls, I realized what Discover does. If I have a {$5000.00} balance, {$2500.00} cash advance and {$2500.00} purchase balance, and make just the required payment every month, Discover takes the payment and applies the entire amount to the
purchase balance. Then, they take the interest and apply it to the cash advance balance so that, over time, the entire balance could be charged the typically much higher interest rate. This was not made clear when I took the cash advance. It was not made clear when I called the call centers. In fact, the call center reps found it impossible in many cases, to explain the process and it wasn't until I finally reached a supervisor who confirmed what they do. I said I
felt I should get some kind of a refund of the interest charges and that I would record the phone calls to prove that even their own reps found their process confusing. I was told I would not get the refund I wanted and that I, under no circumstance, would be given permission to record their conversations.

But, I now have a balance of about {$5000.00} and the entire balance is being charge the interest rate of close to 30 % and the required payment is actually lower than the total amount of interest being charged. So, the balance is growing every month. While I would typically pay it off immediately after realizing this, duri
ng the pandemic I have limited funds and feel this is an unfair and unclear scheme to get more money from their customers.
Product: Credit card

I am writing to formally file a complaint regarding fraudulent transactions on my Elan Financial credit card account. On XX/XX/XXXX and XX/XX/XXXX, two unauthorized charges of {$950.00} each were posted to my account by XXXX XXXX. I have neither authorized these charges nor received any products from XXXX XXXX. I contacted Elan Financial Services on XX/XX/XXXX to report the fraudulent activity, but the customer service representative did not provide any assistance or resolution. As a result, I am requesting an immediate reversal of these charges and a {$1900.00} credit be issued to my account for each transaction. I trust the CFPB will help ensure this matter is addressed swiftly and appropriately.
Product: Credit reporting or other personal consumer reports

HI, I first noticed a hard inquiry from XXXX XXXX in XX/XX/XXXX, on my Equifax report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified Equifax to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, XXXX XXXX told me I need to contact Equifax for the issue because they already did their part. I contacted Equifax several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both XXXX XXXX XXXX Equifax, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, XXXX XXXX is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to Equifax to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!
Product: Debt collection

Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I Have tried to work with vanderbilt mortgage but this company is nothing but a bunch if loan sharks, the house is my father 's who is recently deceased. I contacted them to talk about the amount owed and they were absolutely rude and went straight to the money, and said the house would be in default if I didn't cough up over 2000! They are only in the buisness to XXXX people and they need to be stopped, and the worst part Is that even when you make your payments you never know what the nex months payment is. My dad 's payments jumped from {$530.00} one month to over {$1200.00} the next! If you are planning on purchasing a home avoid vanderbilt mortgage!
Product: Student loan

Mohela is my loan service for my student loans. My income driven repayment income renewal date on the Mohela website is XX/XX/XXXX ( or XX/XX/XXXX depending on where you look on the website ). According to studentaid.gov ( representing the Department of Education ), the earliest you renewal date can be is XX/XX/XXXX. If your renewal date is before XX/XX/XXXX, your date gets pushed out a full year. This can be found under the " Income Driven Repayment '' section of this webpage : https : XXXX I called Mohela XX/XX/XXXX to confirm I would then renew XXXX of XXXX. The customer service agent had no idea what I was talking about and gave me the run around giving a lot of excuses that made no sense. I told her I needed her to talk to a supervisor since she wasn't aware of the rule at all. After talking to said " supervisor '', she starts telling me that date listed as my IDR renewal due date is just a 60 day notice and that my renewal is actually in XXXX. This was so interesting that she and her supervisor came up with this after I told them about the rule above- when I first brought it up they did not even know it existed. I told her that was awfully coincidental and suspicious that all of a sudden thats not my real renewal date and it just happens to be actually in XXXX and that I needed the website to reflect that if that is the case. They are telling me that they can't do that. 

I then told her I needed to speak directly to a supervisor. I was " approved '' to do this ( what?? ) and sat on hold. About 30 minutes later a supervisor picked up, I told her about my renewal date and the info on studentaid.gov. She said she wasn't aware of this rule and would look into it, putting me on a brief hold. I then sat on hold for the next 3.5 hours before the phone got disconnected. I tried calling back and long story short got disconnected again after about an hour.