23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have applied to get a personal loan and placed the application. I went back to webster bank where I applied and they told me to call the customer service number to get a status on my application and they told me that I have to go back to the bank and get the information. When I went back to the bank they told me that the application process is out of there hands and could not help me any further. I called the customer service number again and they could not tell me anything. I kept getting the run around something needs to be done about this. It had all my personal information and I don't now what they did with my application.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy in XX/XX/XXXX, self, inc  was not part of that. In XX/XX/XXXX due to a divorce I converted it to a XXXX XXXX bankruptcy that was discharged XX/XX/XXXX of which self, inc was included. Self did close my account, but later opened it again, I sent self, inc, XXXX and XXXX paperwork of my XXXX XXXX discharge and they have refused to remove the 150 days late self, inc had reported me.i recently had to pay an extra XXXX dollar deposit for an apartment.This item needs to be removed from my credit files and monetary damages be levied against self, and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes.

Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Product: Vehicle loan or lease

I have an auto loan through Flagship Credit. I've only had the loan on the used car since XXXX. My payment is due on the XXXX of each month and I make my payments on time. The last 2 months I've had to make the payments on the XXXX of the following month which would make my payments 15 days at the most late. This company calls me every 2 hours daily! I've asked them to please note the account when I would make the payment on the account to stop the calls and the calls stop for two days maybe. I've been polite, I've asked for management and was told there's no manager. I understand there's an auto dialer system, but I also know if the account is noted properly I won't receive these calls. I received a call this morning and the person wasn't speaking English at all and didn't acknowledge me on the phone at all! Your assistance on this matter would be greatly appreciated. 

Thank you XXXX XXXX
Product: Mortgage

We are the owners of the Real Property located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is allegedly security for loan originally made to us by 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, XXXX corporate history ; closed by the Office of XXXX XXXX and XXXX in receivership with XXXX XXXX XXXX XXXX XXXX XXXX ; sold thereby to XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; with the mortgage allegedly sold to BOFA XXXX XXXX XXXX XXXX XXXX XXXX. However, unable to ascertain whether the Promissory Note to XXXX XXXX XXXXXXXX XXXX has been endorsed in the sequence of the four times the Security Deed has been assigned, We are unaware as to which entity should have been or should now be benefiting from payments toward that purported loan. There is evidence in possession that the servicing Bank of America may be trying to collect payments on behalf of a party that can not show it is legally entitled to enforce the Promissory Note and Deed of Trust
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I received a mail solicitation from KeyBank, offering a {$500.00} credit if I opened a new checking account that would receive a single direct deposit of {$500.00} or more. 
I opened the account on XX/XX/XXXX, and the first ACH deposit ( from my employer ) was in the amount of {$1000.00} on XX/XX/XXXX ( my first pay date following opening the account ). Subsequent ACH deposits have followed. 

The specific commitment made was " Your gift will be deposited within 60 days of meeting requirements '', which requirements were met with the XX/XX/XXXX deposit. 

I have repeatedly contacted the bank, been promised action, and they have failed to complete the crediting of my account, without explanation. 

The specific offer code was XXXX, which was supposedly encoded into the account when I opened it.
Product: Credit card

Ive had the card for almost two years and began making late payments about 5 months ago. After the second or third late payment, the credit card company closed the credit card citing ridiculous explanations. When I called to try and have the payments lowered and late fees waived they declined and I continued to make payments on the card anyway. The card is closed and unable for me to make anymore purchases on top of them lowering the limit prior to closing the card ; however, they have the card marked as open on my credit profiles so that they can mark derogatory payment information. 

I just this month went over 30 days late payment for the first time and they marked it as derogatory on my credit. This is fraudulent information because companies are not allowed to mark late payments on closed accounts meanwhile deceptively reporting the card as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to dispute my accounts with XXXX, XXXX and TransUnion since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above three credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.
Product: Mortgage

See Complaint XXXX. Letter dated XX/XX/XXXX from XXXX XXXX stated " Bank will close the Account and submit the Discharge to the county clerk upon receipt of {$430.00}. '' On XX/XX/20 they cashed our check for that amount. I continue to receive collection calls.
Product: Checking or savings account

I am a small business owner and I opened an account on Chime in order to receive payments from my clients. I received the first payment on approximately XXXX and transferred the funds to my personal checking account. Chime then sent me a debit card in the mail ( XXXX XXXX ) which I did not want, since I had no interest in a checking account with them, so I disposed of the card. Then when I received another payment ( XXXX  XX/XX/28 ) I was told by Chime that I could not access the money that was sent to me without first activating the card I disposed of. I had to wait for them to send me a new card, activate it, and then transfer the money into my personal bank account. Chime states on their website that you are able to receive money even if you dont have a Chime account, but this is not the case. I was told by Chime ( XXXX ) that if I cancelled my checking account with them that any future payments that people tried to send to me would be returned to the sender. Again, this contradicts their claim that people can receive money on Chime without having a Chime account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX Date open XXXX Balance : {$100.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : TransUnion XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion due to XXXX XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to Experian, XXXX, and XXXX. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXX 's disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$30000.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$630.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit card

I WILL LIKE TO HAVE AMERICAN EXPRESS TO FORGIVE MY DEBT, I CAN NOT PAY THE CREDIT CARDS WITH UNEXEPMT FUNDS ( UNEMPLOYMENT INSURANCE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bank Of America, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX P XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX will not permit any corrections to inaccurate information in credit files. On XXXX XXXX 2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.
Product: Payday loan, title loan, or personal loan

This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.
Product: Prepaid card

I called FDIC, I was calling about my banking direct, a service of New York Community Bank, money network. They said its now XXXX owns it. I called XXXX and they said they only print out cards. I cant get my account number but its the last XXXX of the card. Its for money network. This is for a family leave. After my brother overdosed, my sister in law was stealing and overdosed. I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX XXXX  children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every XXXX resident. I sign theft affidavits. 

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

somebody used my personal information, i don't recognize this inquiries.
Product: Credit reporting or other personal consumer reports

Credit file showing balance on accounts credit report has people name and address do not belong
Product: Student loan

Payment Increase Despite Request for Reduced Payment : Due to financial hardship, I requested a reduced monthly payment in XXXX, completing the financial relief form provided by my lender. Despite this request, the payments continued to increase annually. For instance : On XX/XX/XXXX, I paid {$260.00}. 
By XX/XX/XXXX, my monthly payment had increased to {$290.00}. Further, by XX/XX/XXXX, the payment had escalated to {$520.00}. 
These increases continued without clear explanation or justification, making it challenging to manage payments despite my financial hardship request. 

When I returned to school, I placed my loan in forbearance under an agreement that paused my payments during my studies. However, once the forbearance period ended, my resumed payments were unexpectedly high, differing from my original pre-forbearance amounts. For example : After a period of forbearance on XX/XX/XXXX and XX/XX/XXXX marked as " Capitalized Interest - Payment Postponement, '' my regular payments increased substantially. 
Prior to this period, my payment on XX/XX/XXXX was {$260.00}, but by XX/XX/XXXX, it had reached {$390.00}. 
After another forbearance adjustment on XX/XX/XXXX and XX/XX/XXXX, my resumed payment on XX/XX/XXXX was {$580.00}, much higher than anticipated. 
This discrepancy contradicts the terms provided in my agreement, which indicated that payments would resume at the same rate following forbearance. 

During periods of unemployment, I paid a {$150.00} fee multiple times to place my account in temporary forbearance. However, this fee was not clearly outlined in the original loan terms and added substantial financial strain. Examples include : On XX/XX/XXXX, I paid {$150.00} to keep the loan in forbearance. 
This pattern continued with additional fees on XX/XX/XXXX and XX/XX/XXXX, each Several entries are marked as " Capitalized Interest - Payment Postponement '' with a {$0.00} entry, which is unclear in terms of actual financial impact. This includes dates such a XX/XX/XXXX and XX/XX/XXXX, each listed XXXX XXXX {$0.00}. 
I am concerned that these entries may have impacted the balance due or created confusion regarding the calculation of my interest and payments.
Product: Credit reporting or other personal consumer reports

Recently while checking my credit report, I found that I have been the victim of identity theft and found several inquiries that I have no knowledge. Here are the inquiries I found XXXX XXXX  XXXX, XXXX XXXX, Experian XXXX XXXX, XXXX, Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these fraudulent credit inquiries from my credit report, I've also attached a copy of my identitytheft.gov report.
Product: Debt collection

I do not believe I owe this debt to LVNV Funding LLC. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not 30 days. Im also not sure if this debt was purchased illegally without my knowledge from XXXX XXXX XXXX  XXXX. I have never gave XXXX XXXX written consent to give/sell my information to this company. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. I also believe this t be a violation in regards to 18 USC 1028.
Product: Vehicle loan or lease

In XX/XX/ 2016, I stopped receiving statements for my auto loan. I followed up with Premier Auto Credit and continued payments. Amounts and information was incorrect, followed up and updated info. Then I moved, by the time my invoices and account was corrected I was behind in payments more than I could afford to pay at the time. Expressed my hardship and they weren't able to make an arrangement that worked.