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

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding incorrect information. My accounts are showing closed when they are active. One account is showing a XXXX  balance but in collections. My name is wrong. I was told to file a dispute only to have my score drop over 30 points. Called regarding it again and they said all I can do is dispute and there is nothing they can do about the score dropping with each dispute
Product: Debt collection

On XX/XX/2024 I received the latest of at least three text messages from Spring Oaks Capital , LLC alleging that they want to collect on an Indigo XXXX account originated by XXXX XXXX. I have never had any accounts with XXXX XXXX or an XXXX XXXX issued by any other financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXXthrew me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Product: Credit card

I have a prior complaint against Cerulean about my credit protrction. I was previously told that my credit protection stsrted XXXX of this year, and it ends XX/XX/. Today I get a message saying a payment is due today. I called Cerulean and they confirmed I have credit protection on our recirded call XXXX  but yet they changed me late fees XXXX through XXXX... yet no one will waive these late fees. IT'S BEEN CONTINUOUS ISSUES WITH THIS COMPANY. LATE FEES NEED TO BE WAIVED IMMEDIATELY AND PROPERLY REPORTED TO THE BEAURUS. IN THE RESPONSE TO THIS COMPLAINT I NEED A ACCURATE DATE OF WHEN MY CREDIT PROTECTION ENDS.I NEED TO ALSO VERIFY PAYMENTS HAS BEEN MADE ON MY ACCOUNT WHILE I HAD CREDIT PROTECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA, XXXX, XXXX PULLED W/O SIGNATURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd letter sent by certified mail to XXXX, XXXX, Transunion & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, XXXX, TRANSUNION etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX ( not my account ) XXXX { not my account } XXXX XXXX  XXXX XXXX XXXX ( not my account }
Product: Payday loan, title loan, or personal loan

I did not receive disclosure agreement until 10 months after funding. The interest rate on same is 99.75 %. I have called Loan me on several occasions to state that this rate is predatory and undisclosed to me at funding. I have also read all the legal findings by CFPB and the courts as to the activities of this company, its owners and all the related companies I have requested the rate be reduced to legal limits. 
I AM XXXX years old and XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I have a mortgage with Nations Direct. I lost my main job and it caused my income to drop. I immediately contacted Nations Direct to talk about lost mitigation or maybe a loan modification. I was denied any help. They just kept giving me the run around. They had me to send the same papers over and over again stating they never received them when I got confirmation each time that they did go through.
This Creditor is acting like they want me to lose my home and not offering me any type of loss mitigation
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. 

Couldn't open a bank acct here because of it. 

Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus 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 : LVNV FUNDING LLC XXXX Balance : {$810.00} ; LVNV FUNDING LLC XXXX Balance : {$440.00} ; LVNV FUNDING LLC XXXX XXXX : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$810.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$440.00} ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Product: Mortgage

My name is XXXX XXXX XXXX I took out a loan with XXXX XXXX XX/XX/2019 The Loan was sold to XXXX XXXX. 
The Loan was sold to XXXX XXXX  The Loan as sold to CMC Funding The Loan was transferred to SLS Funding. 

It seems like there was one more in there but it has been sold so many times it is hard to keep up with. 
The day the Loan was sold from XXXX XXXX to XXXX XXXX. I made a principal payment of {$1200.00}. This was not reflected in my mortgage balance. XXXX XXXX acknowledges this and sent the payment to XXXX XXXX. XXXX XXXX  acknowledges this and sent the money XXXX XXXX XXXX XXXX XXXX  provided me the wire confirmation number for this transaction. This IMAD number is ( happy to provide and given to them ). I have sent my bank statement to SLS ( Specialized Loan Servicing ) it is in their email files. I opened a case with them and they declined to correct my balance. I asked them to reopen the case they refused. I contacted my US Representative and he said reach out to them again and I did. The sent an email saying someone form customer service would contact me but they have not. My US Representative directed me to the CFPB and that is the reason I am reaching out to you. I have all of the supporting documentation. I have never dealt with anyone with such poor customer service. They emphatically told me they would not reopen this and yet they have provided no explanation. I sent in the Wire confirmation information above and my bank statement and they told me to provide proof. Although they didn't suggest anything else for me to send in. I just want my account corrected. PLEASE HELP. THANKS!
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive attached a photo of the hard inquiries.
Product: Credit card

I made an on-line purchase from XXXX back in XXXX 2016. The charge was made on-line to Paypal. I never received the item and contacted Paypal. So Paypal put in a dispute. Paypal says the payment was returned but because it was entered wrong I should pay the XXXX so it can move over. That made no sense to me at all because it still sounded like I 'm paying for something I did n't receive. I keep getting a bill for {$12.00} which I refuse to pay. Have had contact with Paypal several times.Last contacted them on XXXX XXXX
Product: Student loan

The information I'm receiving from MOHELA and Federal Student Aid are conflicting and confusing. 
Since I have been enrolled i

n the PSLF program, three of four loans have been forgiven. I was informed by MOHELA a few months ago that only 116 payments
were eligible for the fourth loan, however, I was always believing each payment was divided between all four. So, I was thinking after four more payments the fourth portion would be forgiven also. 
Now today I'm being told that the estimated payoff date is XXXXXXXX 
Federal Student Aid asked me to again verify my federal employment, which I did. 
Now my PSLF is in review again, last notification was XX/XX/XXXX 
I have almost XXXX years of XXXX XXXX and planning to retire soon.
Product: Checking or savings account

I was approved for the XXXX XXXX  advance of XXXX if I opened a credit karma checking account. I opened the account and sent my taxes in. Once my taxes were accepted and I was told I would get the advance, I was THEN notified that I was no longer approved for the advance. So now, all my tax money will be put in that account because I cant change the direct deposit info at this point and I also didnt get the advance for opening and account with them and agreeing to have my taxes deposited to that account. Completely a scam/fraud/false advertising/misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 160XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( Experian, XXXX, XXXX ) All others attached on letters
Product: Vehicle loan or lease

I am just entering the 3rd year of a 3 year lease agreement with Tesla Finance. At the beginning of the lease I set up auto debit on my account and Tesla withdraws the lease payment from my checking account on the 12th day of every month. For two years all was perfect - equal monthly payments of {$520.00} as called for in the lease. But on XX/XX/2021 Tesla, without any notice or explanation, withdrew {$1100.00}, an extra {$600.00} over the monthly lease payment. 
I sent an email to Tesla finance about the issue to find out what was going on. I received no response to that email. I called and spoke with someone named XXXX who told me the extra amount was for " taxes ''. I asked her to send me back up supporting these taxes as I couldn't imagine what they are for. She promised to send an email - nothing arrived. I called again and spoke with XXXX again. I insisted that they provide detailed back up to explain why they had taken this money from my account. She said she would and proceeded to send me a copy of the monthly statement - which contains no details, just dollar amounts without explanation. I called again - was on hold for a very long time so I sent another email demanding they address my concerns. Nothing. 
I do not know what to do - until they can demonstrate why I owe this additional {$600.00} I consider it stolen. Too small an amount to hire a lawyer but a lot of money to me. I am grateful for any assistance you can provide to get Tesla to respond. This shouldn't be this hard. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XX/XX/2021 I paid XXXX loan payments to account XXXX and self lender is reporting late when I indeed paid 15 U.S.C 1681 Section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XXXX my car repossessed and the law office of Relin, Goldstein and Crane took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX  They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted My XXXX XXXXredit card customer service ( XXXX  is owned by Continental Finance ) to dispute a charge from XXXX XXXX, XXXX from XXXX for {$24.00}. I informed the agent this charge was not authorized. XXXX charged me for a membership which I cancelled timely, before the deadline and have an email notification to confirm this. Incredibly the agent would not file the dispute. I also complained about a {$40.00} late fee, that I was 2 days late on payment. {$40.00} late fee.. WOW! I explained to the agent I was not making anymore payments if I am not allowed to dispute a charge.

The Agent sai
d she would transfer me to a manager,
but instead placed my on a very long hold, over 36 minutes before I finally hung up.
Product: Checking or savings account

I completed before, about that I tried to contact XXXX XXXX at XXXX XXXX XXXX for closing deposit box, and Nobody answered, 2021. On XX/XX/2021, the Chase Executive Office reply me, they told me that I should go to any Chase branch to get an Notary, then sent to Chase XXXX XXXXXXXX XXXX, my deposit Box should be closed. I did so and sent the document to Chase XXXX XXXX  office by XXXX at the same day. After several days, I checked that the mail was delivered by Chase XXXX XXXX branch through XXXX website. From that time, I did not received any information from Chase XXXX XXXXXXXX office. I think the deposit box was closed. All documents was attached for your reference. 
But I received the mail asked me paid {$70.00} renew fee for the deposit box in XXXX and XXXX! I do not know why Chase ask me to pay renew fee after XXXX years. 
All documents was attached for your reference. 
Thank you! 

XXXX XXXX
Product: Checking or savings account

I wrote a check from account to someone for his services at my house back in XXXX of last year which was cashed at that time as well. The same check was submitted to the bank to bank yesterday and it was cleared by the bank with out being declined. The check was cashed twice.

The bank will not give me the money immediately since it is their system was in error. The said they open a case for it and it might take few days.

Thanks.
Product: Checking or savings account

I made a deposit into my personal checking account on XX/XX/year> through mobile phone deposit. There was a typo on the check that I did not see and I received a notice by email that the deposit may be returned but I was not given a reason why, and that they would hold my deposit until XX/XX/XXXX. On Monday XX/XX/XXXX, I found that there was a typo on the check when I spoke to the person who issued me the check and that was probably why there was a hold. However, they told me that the check cleared their bank already. So on XX/XX/XXXX, I contacted my bank ( Bank of America ) and I requested that they cancel the hold. They refused to cancel the hold, because they stated that the Federal Reserve is the entity that places the hold. I knew this was not true. So I requested that they cancel the deposit and I can go deposit the check in another bank or get the company to issue me a new check. They said that they could not do that since it was already in process. I do not know if this was true or not but it does not seem to be correct. My complaint is that they are holding this check much longer than needed, lying about the Federal Reserve was to blame and refusing to release the deposit. The check is only {$3000.00} and this company has issued me this amount every XXXX weeks for the last XXXX years.
Product: Money transfer, virtual currency, or money service

I tried to deposit a cashiers check to my USAA savings account via their mobile app on XX/XX/2023. There was a error that occurred during the deposit and the deposit didn't go through but I had already voided the check because I thought the deposit went through. When I called to find out about the deposit I was told three different things from three different people at the bank. XXXX in the account resolution team told me to mail the check in. I mailed the check in. USAA has said they will not be able to deposit the check because it was voided. I requested the send the check back to me and have been told multiple times that they are mailing it back but I have yet to receive it. I have called every day and talk to a different person and get a different answer. I need the check back to send to the XXXX XXXX that issued it so that they can replace it.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my I have recently acquired a copy of my consumer credit report from your bureau and wish to dispute the accuracy and completeness of certain information therein. This information is negatively impacting my consumer report, and I urgently request that you rectify it without delay I trust that a period of 30 days is adequate for your investigation into this matter. Following your investigation, I request an updated credit report, along with the contact details of the individuals who were involved in the investigation. 

I demand that you immediately cease reporting these accounts as late on my credit report. Failure to comply with this request may compel me to pursue legal action against your agency. 
The disputed information is as follows : XXXX XXXX XXXX.
Product: Checking or savings account

I opened a new checking and savings account with Citi as part of the sign on bonus promotion for {$400.00}. I have never had an account with them before. I signed up around XX/XX/18 when the promotion is active and fulfilled the criteria of depositing {$15000.00} to the bank. I verified with the phone rep twice in XXXX and XXXX and both times confirmed that I successfully sign up for the promotion and that it will be credited to me in a few months. I called today again because I should have received the bonus in my account by now but has not. The phone rep today said I don't qualify now after keeping my money for 4 months because my account was not set up correctly. I felt like this promotion is a scheme to keep my money for as long as they can and coming up with an excuse to not keep their promise. The rep confirmed that a lot of people felt the same frustration.