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

XX/XX/2020 I attempted to unfreeze my credit at Equifax. 

I learned that they implemented a new system and never bothered to notify those who signed up under the old system that there was a change. 

I filed a complaint # XXXX which details some of my troubles. 
The response I got from this company was to submit my information yet again, which would be the 8th time. But I did it anyway. I included a copy of my drivers license as well as the other information requested, including a copy of a W2. 
I heard nothing back from the company, and this complaint was marked complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have right to my 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 15 U.S.C 1681c. [ a ] [ 5 ] Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then convictions of crimes which antedates the report by more then several years.

15 U.S.C 1681s-2 [ A ] [ 1 ] 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.
Product: Student loan

I asked to apply for XXXX for my private loans since my federal loans were dismissed and they customer service from Navient stated he would send me the documentation to fill out. Since that call I have not received any letter. Just been receiving continuous calls from XXXX to XXXX Monday through Sunday on multiple numbers. When I spoke to one representative I guess they do n't annotate the call and I get atleast 8 to 10 more calls after. Another issue is that they have n't sent me the paperwork I requested and said that the XXXX paperwork will be DENIED automatically. This harassment must stop I told them many times if I could work to pay it off I would but I am a XXXX veteran who is still dealing with medical issues.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express are liars and extremly rude. They think they are above all credit cards. I have been trying to work out a deal for months and they refuse to make this horrible situation any easier for their customers. They hang up on you if you get upset or angry and they continue to raise your interest if you dont make a payment. Yet they wont work out a deal until you miss XXXX payments. Then the minium payment goes up and they report to credit services and destroy your credit. They give you the wrong advice for how to handle your finances and not to mention the hold times for even reaching a customer service rep. If you have any debt with american express do everything you can to close your card or you wont ever be able to fix your credit score. They will do everything they can to charge you fees and insane intrest rates. Worst company ever! Wasted so much time and energy. Every rep tells you something different and they are all just liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple Dispute letters including the dates of XX/XX/2023 and XX/XX/2023. I have sent dispute letters to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have also sent letters to XXXX, XXXX, and TransUnion. 
These companies are reporting inaccurate information on all three credit bureaus. By law in reference to 15 USC 1681 the information needs to be removed or corrected. This information needs to be reviewed again because this information is inaccurate and should not be verified. This is having a huge impact on me trying to purchase a home. I have attached a FTC report as well as the dispute letters sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loged on to check my credit report, it start sakin about charges iv hever herd of, dates i dont rememb3r buying anything.then said to contact customer sct atXXXX  number, just like that.
Product: Mortgage

I paid my mortgage on XX/XX/XXXX and received a confirmation of the payment as well as a letter of payment. On XX/XX/XXXX an agent called me late at night to tell me that they never process the payment and that I would have to make the payment over again. Due to my fix income I had to borrow the money to make my payment which was supposed to be handled by the mortgage company. By this unprofessional treatment I feel that this finance company wants to force me into foreclosure. Now I have to find a way to make my next month payment to keep my house.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.
Product: Mortgage

i am a XXXX veteran and had gotten XXXX XXXX rating about 8 months ago. i am entitled to benifits including waving of fees for a resfinance of my house and property taxes. i also would not have to pay mortgage insurance. i applied for a refinance from my currnet mortgager lakeview loan servicing which handles my loan with loancare. i spoke to a representative named XXXX at lakeview who started y application over the phone i then was contacted by XXXX XXXX in an email and they set up an electronic application never heard or could contact XXXX from lakeview or could ever get a person on their phone system it hangsup on you after entering all your information. I tried to contact XXXX through phone all i got was emails that were frustrating. she would refuse to give me updates and would ask for things i didnt have knowledge of and then would berate me in the emails. It was like she was mad at me for something or didnt want to complete my va loan application i paid for termite report and gave her all documents she requested. i could never get a hold of her or get any answers to my questions. i asked for a supervisor and she never would give me number and their system doesnt allow for clients to file discrimation complaints or even talk to some one. Yesterday after 4 weeks of asking for updates and she would inform me underwriting had the docs she told me they closed the application because i would need to come up with XXXX to close the loan i had agreed to come up with any moneys needed when i spoke to XXXX. she never asked me or told me about the monies before she cancelled my application. I have the money and it apppears she was purposefully trying to keep me from getting loan, I asked her several months in a row not to waste my time if she didnt know how to process a va loan. i believe she discriminated against me because she was mean and nasty in her emails and refused to communicate clearly or would ignore my answers. i have tried to talk to supervisors and she even told me one would contact me and no one ever did. i left messages for XXXX supervisor and XXXX XXXX supervisor and no one has contacted me to even explain what happed. it appears she had not done here job and i am being punished for it by her personally and am asking that someone reivew my application and the process taken i lost my rate guarantee and she said i could reapply with new rate. i would never use this company again for anything unfortunaltyl i do have a choice who serivices my loan and from my research it apperar this compant has many complaints like mine all over. please help me since i am XXXX and have a hard time trying to deal with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX XXXX. 
Recently, I found out I was monthly charged XXXX XXXX XXXX twice from XXXX credit report company. It has recurred over a year. I never signed a membership with them nor received an email regarding my membership or account information. The credit card number that has been charged is XXXX XXXX XXXX XXXX. I am very frustrated to find out about this fraud and hopeless without help from CFPB. 
I already tried to settle this dispute with the company, however, it is impossible to talk to any of them. 
Thank yo so much. 
My contact number is XXXX My email is XXXXXXXXXXXX total amount = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXEQ ). I have reached out to all creditors and 3 bureaus and all give me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Product: Student loan

I have federal student loans that are currently serviced by FedLoan, and I am pursuing Public Student Loan Forgiveness. Across my loans there are 10 monthly payments that are incorrectly listed as " ineligible '' as counting towards PSLF. During these 10 months I ( 1 ) worked for an eligible employer that has been verified and ( 2 ) my loans were not in a grace period, deferment, or forbearance. I have previously requested recounts of my ineligible payments, resulting in some to be updated as " eligible '' for some loans but not others.

I am requesting the assistance of CFPB to initiate another payment recount for my " ineligible '' payments. I have submitted this request to FedLoan by fax but have received no response. I am not able to reach a live representative by phone to make this request.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Please delete this item ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, TRANSUNION AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Product: Credit card

I had made a payment arrangement over the phone with customer service agent because I was having trouble paying my bill In XXXX the payment agreement was fulfilled from my checking account. XXXX and XX/XX/year> were not auto payed. My payments should have continued to be auto payed Now I owe 2 months at {$67.00} and it has affected my credit report in negative way I expressed auto payment to continue Please help me with this Thank You
Product: Debt collection

They call my work number everyday, I have sent them paperwork to only contact me via email.
Product: Checking or savings account

Bank of America Checking ... XXXX Such a mess of debits I can't trace a single contingent charge to the account. 


XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX OPENED ON XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding what I believe to be an unfair and excessive interest charge applied to my Citi credit card account. 

In XX/XX/XXXX, I made a payment of {$26000.00} against a statement balance of {$26000.00}, resulting in a small shortfall of {$61.00}. Historically, I have always paid my statements in full and on time, and this was an unintentional miscalculation. Despite the minimal underpayment, Citi applied an interest charge of {$430.00} to my following months statement. 

Upon contacting Citi, I learned that they calculate interest on the entire balance if the statement is not paid in full, rather than just on the unpaid portion. While I understand this is part of their policy, the application of such a significant charge for a minor error feels punitive and disproportionate, especially given my track record as a responsible customer. 

Additionally, the statement balance for XX/XX/XXXX is {$33000.00}, which I intend to pay in full by the due date. However, I find the compounding of interest in this manner to be excessive and damaging. I requested a waiver or adjustment of the interest charge from Citi, but they have refused, and I have been unable to escalate the matter to a supervisor for further review. 

I believe this practice is unfair and undermines consumer trust. The interest calculation policy disproportionately penalizes customers for small errors and fails to consider their payment history or goodwill. 

I request the CFPB to investigate this matter and review whether Citis practices align with fair lending and transparency standards.
Product: Mortgage

I am filing a complaint against PennyMac Services LLC for threatening and harassing tactics, they have been servicing my Mortgage loan for the past two years. On XXXX XXXX, 2016 I received a certified letter stating that if I do not make my XXXX payment and late charges of {$1000.00} they will begin legal action to start foreclosure proceeding. My XXXX payment was received in their office on XXXX XXXX. My mortgage payment is current and due XXXX. I had this mortgage for XXXX XXXX years with XXXX XXXX year left before its paid In full. I called them to see why I am receiving threatening letters. XXXX of the representative said that I need to apply for a loan modification in order to stop foreclosure. I asked her what sense the it make for me to modify my loan when I only have 3 years left with a payoff of $ XXXX. I was told this would be the only way they can work me is to pay off the late charges and to a loan modification. This is a complete violation of UDAAP law. Intimidation and threats to take my home. Again I been living in the premises for 26 years and never had a problem with making any of my payments. The late charges that I have on the loan stems over a period of 20 years. Due to paying after the due date but never 30 days. I would like the CFPB organization to investigate this thoroughly. This has cause me a great deal of stress. As a matter a fact I received a letter on XXXX XXXX saying they will foreclose on my property all because of late charges and trying to pressure me into extended my mortgagg.
Product: Credit card

I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.
Product: Credit reporting or other personal consumer reports

I want reported accounts that I dispute it for years removed.
Product: Debt collection

This is complain is regarding CITIBANK credit card provided by Best Buy. I made a purchase of about {$1100.00} which was fully paid by XX/XX/2019 although the offer was up to XX/XX/2019 b ut I made sure I pay the amount own time more than the minimum amount per month. It happened twice that company website was down and I was unable to make the payment and company charge me {$27.00} of late payment fee on my account. I requested them to remove those charge because it was fault on their side and they didn't and added that unto my total balance and I contacted them multiple times to remove that balance even though I fully paid my amount. They were rude and didn't help me resolve issues. I have 12 credit card account and my score has always been 750 plus and I have managed my accounts very well but this company is trying to ruing my credit and make false charges and made my balance up to {$280.00} and trying to constantly call me and threaten me to pay by debt. I called them multiple times to resolve this issue. they didn't respond and are not helpful. I request consumer finance to take a look into this matter and help me because this is going to hurt my credit and my score.
Product: Vehicle loan or lease

I requested a payment deferral in XXXX via phone call with Chase Auto Finance and during the call they had stated they would contact me if it was not approved. I had requested a payment deferral of 2 months. I check my account online and am not provided with paper statements. On my online account, the account did not appear to be past due during the time since I submitted this request. I have not received any communication from Chase Auto Finance stating that my payment deferral request was denied. 

This morning, Chase repossessed my car without notice. They do not have the correct phone number for me in this account, and have stated that my correct phone number is listed as on a do not contact number. My Chase Bank account does appear to have the correct phone number listed for me. I have received no communication from Chase that my account was in a past due status. 

I have requested to resolve the account issue by bringing the account current. They have stated that I need to pay the loan balance in full. I am also being required to pay repossession and storage fees of approximately {$500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue.

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my credit score and financial standing, and I believe they should be thoroughly investigated.

inconsistent with my financial activity. I am concerned that these inaccurate entries may impact my creditworthiness unfairly.