23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I noticed ( ONE ) late payment on XX/XX/XXXX that was supposed to be on time reporting. I had a direct conversation and talked about " I wouldn't be marked late because I had a financial hardship during the Covid 19 Pandemic. I sent a letter directly to TransUnion in hopes of having this fix. I was told that EVERYTHING is reporting correctly, but it is not or hasn't been corrected. Would you please help me with this situation. This one late payment affected me being qualified for being approved for a VA housing loan. Please understand, it is one just one late payment. As you view my payment history attached to this complaint. It will show that even after that 30 day late payment on XX/XX/XXXX. Thereafter EVERY single payment was made and reported paid as agreed. 


Thank you
Product: Credit reporting

The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report.
Product: Student loan

Ok so my servicer is navient. I got a letter from XXXX XXXX XXXX stating that they mailed me an authorization form ( flat out LIE ) and that I never sent it back to them so they are canceling my payment arrangements. Now I see that Navient wants to charge me XXXX a month for this loan. When I was approved for the IDR why wasnt this third loan included and why didnt the third one pop up until later?? I cant afford XXXX dollars per month and I can see why there is a lawsuit against the company. XXXX XXXX XXXX is a bunch of incompetent XXXX. I called them about their XXXX letter and the guy acted like he had no clue what I was talking about.
Product: Mortgage

This complaint is directed to Specialized Loan Servicing LLC also known as SLS associated with loan # XXXX. This has been an ongoing error and quite frankly very upsetting, which has not been resolved whatsoever. I have an 'approved ' loan modification with SLS , which was established in XXXX, XXXX and filed with my local county administration office ( See attachment ). 

I keep receiving letters from SLS ( XXXX ID : XXXX ) of the resolution dept.,  stating that I am requesting loss mitigation assistance and that my application is in review. Where she received that information is a complete mystery to me because I have never asked for any assistance. As stated above, I have been approved in XXXX, XXXX and have been making monthly payments ever since. 

I have talked to XXXX, ID : XXXX on several occasions and she assured me in our last phone conversation that this matter would be resolved on XX/XX/XXXX due to their 30-day cycling concerning their computer system. Well, that date has come and gone with no results whatsoever. The latest letter ( see attachment ) from XXXX is dated, XX/XX/XXXX stating the same error message about needing assistance. 

See attached letter dated XX/XX/XXXX from XXXX, ID : XXXX from the customer support dept. stating " my correspondence received on XX/XX/XXXX was initially 'coded incorrectly ' in our system. '' XXXX also states, " Please except our apologies for any confusion this matter may have caused. '' Whatever letter XXXX, ID : XXXX is referring to was totally misinterpreted by that department. Their administrative system is in need of an overhaul. There is no communication whatsoever between their departments. 

I would appreciate the Consumer Financial Protect Bureau help in this matter to get this problem resolved once and for all regarding Loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance Owed : {$6.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

ON XX/XX/2020 XXXX  XXXX XXXX  SHOWED PAID.ON XX/XX/2020 IT WAS REVERSED.CAUSING A PROBLEM WITH XXXX  XXXX XXXX.I WAS UNAWARE OF THIS CHANGE.DID NOT GET ANY NOTIFICATION FROM T D BANK.ALONG WITH OTHER OVER DRAFT CHARGES MADE IT IMPOSSIBILE TO PAY MY BILLS.I ASKED TO SPEAK TO A MANAGER AT THE BANK SPOKE TO A MANAGER AND WAS TOLD NOTHING COULD BE DONE.I CONTACTED T D BANK SUPERVISOR XXXX.EXPLAINED MY SITUATION WAS TOLD NOTHING COULD BE DONE.BASED ON REFUNDS GIVEN EARLIER REFUNDS HAD REACHED THERE LIMITS.IN THE MEANTIME I FELT MY CONCERNS FELL ON DEAF EARS.WHY WOULD A PAYMENT SHOWED PAID ON 1 DAY AND THE NEXT DAY NOT PAID.BECAUSE OF THIS I HAVE SERIOUS PROBLEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to dispute the following items on my credit report and would like swift action to be taken immediately. 

I have noticed that you have several addresses reported on my credit report. This a violation according to the fair credit reporting act. I live at XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX. All other addresses shown are incorrect as I DO NOT LIVE at any of those addresses. I demand that you update my file to show only ONE address which is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. 

Yours truly, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my id and ss stolen and i called the police first then i called the credit company 's Equifax XXXX and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well XXXX said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called Equifax they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help
Product: Credit card or prepaid card

On XX/XX/XXXX purchased was made for {$3200.00} ( promotional date to avoid interest was XX/XX/XXXX ) and on XX/XX/XXXX purchased for {$1100.00} ( promotional date to avoid interest XX/XX/XXXX ) Both of the balance were made in full but still getting being charged interest for {$3200.00} stating they never received the payment which is not true and I have proof via their email system. I still paid the left promotional balance but their customer will not help. In fact I have paid more {$580.00} than what I actually owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 disputes with equifax they refuse to verify the accounts as reporting 100 accurate
Product: Credit card

I called my credit card Capital One and essentially set up a payment plan so my credit would not be affected or have any late dues, as I could not pay the $ XXXX  monthly minimum fee they started requesting out of no where. I agreed to pay {$400.00} a month for XXXX months auto pay and theyre still trying to charge more and even adding on late fees. This agreement was supposed to set my minimum temporarily but theyre still saying I need the full amount ( XXXX plus ) plus the agreed upon amount, when it was supposed to be in place of. Its hurting my credit terribly and anytime I have called no one can help me further. 
If I could pay XXXX monthly on the card I wouldve already so Im not sure why the payment plan is even set up.
Product: Checking or savings account

I bank with Capital One Checking. I was to receive my direct deposit yesterday XX/XX/year>, and did not. The mobile app was asking for a security code to log in, and when I did it stated they were having technical issues. When I called I was told the same thing but nothing more on when it would be fixed. They just repeat themselves. She told me to continue checking my account through the day. So I did and then got locked out because I exceeded the amount of times to get a code. Called back and that's when I was told it would be fixed my morning. Checked my account this morning XX/XX/year> and I could login like normal with out a code but no money in my account or my son 's account. I have now been on hold for an hour and XXXX minutes and have not spoken with anyone on a update. This is unacceptable!! Some people are single incomes and live paycheck to paycheck. I have bills to pay. One being my car payment which is through Capital One, so what am I supposed to? and then take a credit hit? I have a XXXX XXXX  and need to go get her some stuff along with dog food and groceries. With what? the XXXX in my account? This is not ok on any level. And I am still on hold now an hour and half!!
Product: Credit card

I had a fraud charge of almost XXXX on my Sychrony Discount Tire Card, and after a long time, I just got a letter saying that the claim was denied because the purchase was authorzed EVEN THOUGH IT WASNT!! The Synchrony hardly did ANYTHING to secure my account. I need this fixed. Absolutely unbelievable. 

I opened the fraud investigation onXX/XX/2024, and just received a letter saying they can't approve it on XX/XX/2024.

Let me know what other information you need from me.
Product: Mortgage

Every year I receive a threatening letter from ServiceMac stating that their records show my home insurance has expired, even though I ALWAYS pay my home insurance as soon as I receive the bill ( sometimes sooner! ) and pay in full. This year I sent payment in full on XX/XX/XXXX. Policy does not expire until XX/XX/XXXX! Service Mac does not provide an email address and demands I mail proof in a pdf format. I don't have a printer! They threaten to purchase the insurance and I will have to pay them whatever the cost is. If they believe my home insurance has expired they could easily check with the agent ( XXXX XXXX XXXX ( XXXX ) or XXXX XXXXXXXX XXXX XXXX XXXXXXXX, part of the XXXX XXXX XXXX ). I've had the same agency and insurer since ServiceMac bought my loan.
Product: Checking or savings account

My husband and I opened an account at Wells Fargo in XXXX XXXX XXXX this past winter while we were staying there ( XX/XX/XXXX thru XX/XX/XXXX ). My husband passed away XX/XX/XXXX. I have tried calling the branch and their Estate Department for the past XXXX days and no one ever answers the phone. Unfortunately, we live in Ohio and I do not have the account number and, therefore, can not get through to a person. I want to close the account and have been holding on the phone for hours!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to the Credit Reporting Agencies to request once more to investigate my Credit File since I believe that the Credit Bureaus have not yet done their most effort. I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit reporting Agencies. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus once more, for more information regarding these particular accounts in question : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX   Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
Product: Debt collection

IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. 

What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. 
- The documentation used to verify the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid In full and continues to report and did not delete in return for payment as I asked in return after I payed. XXXX XXXX in account XXXX
Product: Checking or savings account

Opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue. a few weeks later didn't have the ability to deposit a check via the phone and I called and said that I need to go into a branch and validate myself. A week later my banking account was locked and closed without any notification or followup steps. I called and over 3 phone calls was given different information all 3 times and speaking with a supervisor was given a new solution. Chase didnt give my any options that I can control. They basically gave me the feeling that I created a fake check and used it when that didn't happen.
Product: Credit card or prepaid card

We had a chase sapphire card that we used for years. It was my wife and mine primary card. We would pay off the balance monthly and ensure there were no late payments. Out of nowhere in XXXX we were informed our account would be closing. When I called Chase they said they couldnt tell me why. They then closed my account at the time they said and hit me with a settlement on my credit report for the outstanding balance of the card where the payment wasnt due. It affected my score and I received notices from the credit agencies about the settlement. I want to know how they are allowed to do this and contest the settlement on my credit score. I appreciate any help you may provide.
Product: Credit card or prepaid card

on XX/XX/18 my XXXX  guest XXXX XXXX, claiming to be a XXXX/XXXX XXXX from XXXX, stole my credit cards and made a cash withdrawal advance. XXXX XXXX Mastercard is refusing to take it off my bill. I do not know how he guessed the pin number. 


XXXX police refuse to investigate. No answer from Secret Service or FTC
Product: Debt collection

On XXXX I financed a XXXX XXXX XXXXXXXX from through XXXX XXXX XXXX and Lobel Financial. Lobel Financial is in violation of 15 USC 1692e false or misleading representations of the Federal Truth in Lending Act disclosure retail installment loan being PAID IN FULL by my credit transaction finance charge pursuant to 15 USC 1605. The use of my social security number ( credit card 15 USC 1642 & 15 USC 1602l, m, n, o, p ) at XXXX XXXX XXXX and the loan sold to Lobel Financial on XXXX. Furthermore, I paid a {$4500.00} down payment and for full coverage insurance at {$280.00} per month plus a car note of $ XXXX {$340.00} per month. Placed Lobel Financial as lein holder of the car in violation of 15 USC 1605 having been given no full disclosure to my right to rescission 15 USC 1635. No correction of billing errors pursuant to 15 USC 1666 on billing statements or letterhead violating 15 USC 1611 & 15 USC 1640 & 15 USC 15. Lobel Financial have liability for breach of fiduciary duty 29 USC 1109 failing to do whats in the best interest for my benefit by LAW.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; After several months of trying to get this issue taken care of with the proper channels and the proper procedures nothing is working for this company to follow the law or the rules set forth. It is my under when you dispute something on your credit report it suppose to be 100 % accurate or it cant be report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy. It is my strong belief that when I disputed these items they were suppose to investigate properly using e -Oscar electronic system to match what the furnisher said is not investigating., I don not consent to that investigation. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This goes back to the proper investigation which was not done, so my question how is this fair and equitable to me the consumer an natural person. 15 U.S. Code 1681b - Permissible purposes of consumer reports. There wasn't permissible purpose to furnish anything on my consumer report without my written authorization. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. There's information on my report hat is still inaccurate for me having these account still on my report is willful negligence on the behalf of this company. I have 2 auto account that are being reported incorrectly and inaccurately the account type is showing auto loan where there was no auto loan. " Loan is a money advance in exchange for a promise to rep-pay the money back over time plus interest. Most auto loan are originated when a consumer wants to re-finance or buy a car from someone who is not a retail auto dealer. A " credit sale " is a transfer of goods in exchange for a promise to pay for those goods, including any finance charges, over time and security interest in those goods. 

They are describing this account type as loan when in fact the alleged agreement is known by its governing laws as a credit sale. there's is no loan agreement in place. No goods or money have been " loaned " to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. but after I've said this this company has back a verified this account a accurate and it is mine how is that possible and its still reporting incorrectly. 

the account with the wrong account type are XXXX XXXX XXXX XXXX.