23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As an addition to open case # XXXX, I, XXXX XXXX XXXX v Champion Mortgage Inc. 
This morning, XXXX, I opened my online checking account information with XXXX XXXX, to see if Champion Mortgage had posted my payment of {$140.00} made on XXXX, it still had not. I called Champion to see why they had not received my payment. They ( I talked to several customer service reps on as many calls ) told me payment was not made because there was a block from XXXX XXXX, preventing Champion from deducting payment from my checking account. I immediately called XXXX XXXX again, asking if there was a block anywhere on my account. They said there was no block, at all. Adding, if Champion re-submitted payment request there would be no problem. Needless to say, when I call Champion again, they claim after several attempts to get payment, they only get an error and no payment. My bank information has not changed and is the same as it has been for many years of paying Champion Mortgage by auto deduction. Please help straighten out this confusion. If left unresolved, Champion could call in the entire loan amount, risking my home ownership. 

PS On XXXX, I received another monthly statement confirming my payment was made on XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX land line
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was asked to correct my name on XXXX. As well as allow my credit report to pull to ger a XXXX XXXX a home. XXXX combined one of middle names and my last name together. It stopped me from buying a home. XXXX ask me to send my Drivers License ( A Real I.D was provided and a copy of my Social Security Card which I did via fax to XXXX. I received a notice that XXXX on XXXX had closed the dispute. Their reason was as follows : Please see attached Documentation. 

Experian has no way to speak to anyone at all. They will also not allow my mortgage company to pull my report. They stated to mortgage lender that I have no credit file at all. The only two options they provide are hang up or self-service. The Self service from does not allow me a resolution at all. 

XXXX however was very easy to work with if you pay for their monthly service of course.
Product: Credit reporting or other personal consumer reports

My wife and I went through a bankruptcy a little over two years ago around XXXX of 2021 and our vehicles loans were reaffirmed during the process. Our credit reports state that the loans were discharged but they were not. They were reaffirmed and we are still making payments on time every month. As of today neither of our vehicles have been reported with correct balances or that any payments have been made and it is impacting our credit when we are trying to rebuild. It would be very beneficial to us if the balances and payments were corrected dating back to the original dates since we have continued to make payments on the accounts.
Product: Vehicle loan or lease

On XXXX a call was placed to Wells Fargo Dealer Services to see about a 2-3 month deferment due to a large financial change to where I would have to take over mortgage payment of a family member 's home due to job loss. I was denied being told that I had income and that the financial change of that type does not qualify. I when I was able to a a little breathing room I made a payment of {$800.00} to Wells Fargo to cover at least one payment as I was already a month behind. 

On XXXX I was diagnosed with a medical issue and spoke with Well Fargo on XXXX to advise them that I am going on XXXX with no ETA of return and that I am currently waiting XXXX   XXXX payments so that I can continue payment. Wells Fargo wanted me to give them a call on XXXX to advised them of when I'm making the payment. After that phone call on XXXX I noticed how " helpful '' Wells Fargo would be considering my current health issue. I did not call them until XXXX advising them that I have not gotten my XXXX money yet, they advised that a letter for repossession was sent out on XXXX which I have not received. I had advised them that my XXXX is still pending and I'm currently awaiting approval and my XXXX end date is XXXX depending on the status of my medical condition I will be returning to work afterward. They denied a deferment stating that I did not have any income. I told XXXX XXXX, that you can go verify with my employer of my current employment status and was told that they won't do that. So my question is which is it ... income or no income to get a deferment and why lie to your customers. 


This is bad business practice for a bank where they only care about themselves and not their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, XXXX and Transunion, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. XXXX and Experian have violated my rights under the FCRA and have refused to properly investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}
Product: Student loan

NELNET CONTINUES TO REPORT A 1 TIME LATE ON MY STUDENT LOAN WHEN THE ACCOUNT WAS IN DEFERMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate things on my credit report that I have sent to Experian plenty of times. I have also told them they are violating 's the FCRA guidelines and rules but clearly they don't care. Again they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and reinvestigation, they stated in writing that they verified that these items are being reported correctly but again who verified these accounts? You have NOT provided me a copy of ANY original documentation aka my signature on the contract as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Lastly, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .I 'm sure they know that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be 100 % verified. They say they don't have my ID and SSN to prove its me sending these letters and complaints in but they do! I am resubmitting my ID and SSN and proof of address with this complaint. Again why aren't they following the rules because I didn't make them I am only following them!!!
Product: Debt collection

National credit audit corporation XXXX XXXX Tx XXXX Has placed a collection on my credit report for the sum of {$2900.00} this debt is not mine and this is an error placed on My credit report I have disputed this account with all three major credit bureaus XXXX and XXXX have removed it but it remain on my XXXX credit report. I have also reached out to national credit audit corporation with two letters explaining this that is not mine they continue to send me letters with a computer signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Experian and XXXX  that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.
Product: Debt collection

I had received a statement from National Recovery Agency dated from XX/XX/XXXX stating that I had a debt owed from PA XXXX XXXX in the amount of {$1900.00} from XX/XX/XXXX. I had sent an email to them on XX/XX/XXXX asking them to verify the debt, and on XX/XX/XXXX Team Lead XXXX XXXX had responded to my email stating that the account would be notated as being in dispute and requested our client mail an itemized bill to the address on record. To date, nothing has been received. I had received a notification to my email today, on XX/XX/XXXX that a new collections account from National Recovery Agency had been opened on my XXXX credit report with the opening date being XX/XX/XXXX, prior to informing me of this potential debt. There has been no attempt on XXXX XXXX XXXX end to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Credit card

I requested a credit " limit '' increase on several occasions and was denied each time. However, per American Express ' XX/XX/2023 XXXX filing with the Securities and Exchange Commission ( SEC ) , on page 55 section 5 : Asset Securitizations, it conspicuously states, 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account XXXX XXXX ( the Lending Trust ) and American Express XXXX XXXX XXXX ( the Charge Trust and together with the XXXX XXXX, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. 

Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. American Express is knowingly and willfully violating the Equal Credit Opportunity Act ( ECOA ) as well as the Consumer Credit Protection Act ( CCPA ). As an investor in American Express, I am due just compensation. I demand American Express to act in honor, and in good faith with clean hands. If American Express fails to do so, I will be forced to hold them liable to the full extent of the law and pursue legal action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX and my second letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX This account continues to be verified as accurate which is false and still has a number of inaccurate information being reported. Ive asked for these accounts to be removed from my reports, Ive sent numerous letters asking for proof and I havent gotten a response. This account is reporting constantly reporting C/O as if the account is open with XXXX from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Its also reporting last day of payment was XX/XX/XXXX but its being reported as Charged off. Its also stated on equifax that this account was in good standing XX/XX/XXXX but reported Charge off from XX/XX/XXXX till XX/XX/XXXX. According to XXXX XXXX XXXX XXXX, Equifax, XXXX and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX By not replying in a timely manner to my initial letters, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now delete and remove these items from my report. Any other action ( or inaction ) on your behalf XXXX result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Financial violated numerous FRCR laws when it fraudulently approved an auto loan with my stolen identity, Account # XXXX, on or around XX/XX/XXXX the VIN # XXXX. I was a victim of identity theft, I was made aware on XX/XX/XXXX ( Police Report # XXXX ) when I pulled my free credit report online that's when I discovered that someone had opened an auto loan with my Name and Social security number with Ally Financial. This Catastrophic error and negligence on behalf of Ally Financial is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there were a host of unauthorized credit accounts opened when my identity was compromised. Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt but in reality it was not true.
Product: Mortgage

On XX/XX/XXXX I closed on a HELOC with Suntrust bank. At the time of closing, Suntrust was advertising that they would pay all closing costs associated with the loan. In the event that the home was sold or the loan was closed within 3 years, I would then be responsible for paying {$2300.00} at the time the loan was closed. I was told though, that as long as I took out a new heloc within 6 months, those closing costs would be refunded to me. 

During this time, Suntrust was currently merging with BB & T and would soon become Truist bank. According to the disclosure I received at the time of closing, it stated - " Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a part, constitutes a valid and binding obligation with Truist Bank even though the documents referenced Suntrust as the party in interest. The documents shall be read with Truist Bank in place of suntrust. The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein. '' In XX/XX/XXXX I sold my home. At the time of the sale I went into a Truist branch and spoke the the Vice president XXXX XXXX. She confirmed that once I closed the Heloc I was going to pay the closing cost, but they would be refunded as long as I opened a new heloc within 6 months. 

I attempted to open a new Heloc through Truist one month after I closed the previous one and was told that because they are no longer Suntrust, they will not be honoring the refunded closing cost. I spoke to XXXX XXXX again and she said after doing more research, they would no longer honor Suntrusts initial agreement. 

I would like to file a formal compaint against Truist bank for not honoring the refund of my closing costs in the amount of {$2300.00}.
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

The issue provided does not actually describe my issue. I used Auto Approve in XXXX of XXXX. I refinanced with them. XXXX XXXX XXXX purchased the loan. I then heard nothing from Auto Approve until XXXX of XXXX, at which time they began bombarding me with requests to send them updated copies of my drivers ' license and insurance for " title perfection. '' I have told them multiple times now that XXXX XXXX XXXX states there's nothing wrong with the title. They keep harassing me. They call me with both listed and spoofed numbers, text messages, emails, and traditional mail. I've told them both in writing and over the phone to cease and desist. Today, for example, I yelled at the representative to stop calling. I hung up. She immediately tried calling me back. I had to block that number, as I've had to do in the past. My title is fine. The bank through which I make my payments has assured me of such. I've made 14 payments to them. There's no reason to share additional PMI with Auto Approve.
Product: Money transfers

I have a money order drawn on Wells Fargo Bank an no one will cash it. My bank sent it back to me no account found ... .it is dated 2005 ... but from what i read online and what is on the back of the check there is a fee for cashing it ... .which is fine ... but the bank was given the cash to send it to me ... .so someone has the money but at this point seems like profit to them since they wo n't pay me the rightful owner ....
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LoanCare , LLC regarding its furnishing of inaccurate information to XXXX, XXXX, and XXXX in relation to my account. The payment dates provided by LoanCare do not accurately correlate with my payment status or payment history, resulting in misleading information on my credit report. 

This misreporting is causing undue harm to my credit score and is in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all furnishers, including LoanCare , LLC, must report only accurate and complete information to credit reporting agencies ( 15 U.S.C. 1681s-2 ). Under the FCRA, I have the right to dispute this information and request its removal if it can not be verified as accurate or complete ( 15 U.S.C. 1681i ( a ) ). 

As this inaccurate information has yet to be corrected, I am requesting that the CFPB enforce the removal of this erroneous account data from my credit report. I trust that you will take the necessary steps to address this complaint in accordance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while. 

I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account. 

I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth! 

Jefferson Capital were the ones who promised to remove the XXXX account from my credit report. 

I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.