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

I received a loan from XXXX XXXX and then my husband left me and I am financially responsible for XXXX kids under the age of XXXX so I was not able to pay the loan payment when it was due so I revoked my ACH authorization. Also, I did not know the payment would be so high, it is over {$300.00} and this is not apparent when you sign up for a loan. After I revoked my ACH authorization, they debited my account not once but twice. I thought it was straightened out the first time after I complained about the XX/XX/XXXX debit which caused me to have to borrow money for groceries because I was refunded for their mistake until XX/XX/XXXX but it happened again on XX/XX/XXXX and I was not refunded until XX/XX/XXXX after repeated emails and calls that my rent was due and I would have additional fees. So I was charged a {$150.00} late fee and my landlord was going to start the legal process if I didn't pay by the XX/XX/XXXX and the representative XXXX didn't seem to care about my hardship so I reached out to her supervisor XXXX and it took time for us to connect via email. Between now and then I have tried to call him and was not able to reach him. Honestly, there was one appointment that I missed due to my grandma 's passing but we scheduled another appointment today and I called him at 2 numbers and he is not answering. And finally, even though I have been reaching out to him thru email they sent my account to an attorney collection office and I received a letter this week. I can't afford a high monthly payment but do want to come to an arrangement and the company to be fair about the fee I was charged due to their mistake and all the stress they caused me when they mistakenly debited my account TWICE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Capital One Bank, 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Product: Checking or savings account

I enrolled in the Citibank Accelerate High-Yield Savings Leveled Bonus Offer on XX/XX/XXXX and funded the account with {$55000.00} on XX/XX/XXXX. I met the requirements of keeping the balance above {$50000.00} to qualify for the {$450.00} bonus. The bonus was supposed to be paid to my savings account within 30 days of completing the required activities, which is either 30 days from XXXX or 30 days from XX/XX/XXXX. I contacted Citi via chat on XXXX and a representative named XXXX indicated I would receive the funds by XX/XX/XXXX. When I didn't receive the bonus, I had another chat, this time with XXXX on XX/XX/XXXX. He opened a ticket ( XXXX ) for me and indicated it may take up to 5 days to receive a response. I still haven't heard anything on XXXX. 
This savings account and my Citi credit card remained open and in good standing this entire time period. I've attached proof of the bonus offer, transaction history, statements and chat screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX indicating I had been denied for an auto loan. A credit reporting agency, that I have never heard of, XXXX XXXX had a very low score for me, even though I have an excellent credit score from the top three credit reporting agencies! I have called them numerous times to freeze my credit with their agency, but they have not responded! They also had several inaccuracies on my report! This is FRAUD!!!!! I want them to freeze my credit report! Look at the number of complaints against this agency! Something needs to be done!!!
Product: Credit card or prepaid card

During Covid, I have been out of work. I am a XXXX  by trade, but I had XXXX kids at home with first no school and then two hours a day of school, plus one pre-kindergarten aged, so working wasnt an option. I was already in a balance liquidation program with Chase, with automatic deductions coming out of my checking ; but due to being out of work, I was forced to pause the automatic withdrawals in XX/XX/XXXX in order to make ends meet. I missed two payments in total between then and XX/XX/XXXX, but I thought I was back on track with repayment thanks to a new automatic withdrawal schedule. 

Then, in XX/XX/XXXX, my account was closed and I received a derogatory credit notation. When I called Chase, they said that I had been behind for several months - which I thought I took care of when I entered into the new repayment agreement. I THOUGHT that the account was brought current by doing that, but ACTUALLY, by pushing the payment out by FOUR MORE DAYS - which they TOLD ME I could do and was my original payment date for years - I put myself past due every month. If we had just made a one-time payment on that date, and then kept the XXXX  as my pay date, none of this would have happened - but instead, the person on the phone just moved ALL of my dates and didnt tell me the consequences ( and possibly didnt know them, which may be even worse ). 

I called Chase, and they moved my payment dates back to the 2nd, had me make an extra payment, and updated the status of my account to current with a partial repayment agreement. However, the account is still closed, and Im NOT in a partial repayment plan - Im paying EVERY XXXX  at a 12 % interest rate. I dont think they should be allowed to XXXX XXXX XXXX XXXX XXXX XXXX falsely report the repayment terms to the detriment of my credit ; Im TRYING to get back on track, and they are NOT being flexible in the face of these extraordinary times.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently checked my credit report XX/XX/year> and noticed inquiries This inquiry has no permissible purpose to be on my credit report. Delete this inquiry Due to violation of 15 USC 1681b
Product: Mortgage

Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.
Product: Debt collection

I received a text from XXXX MRS Associates. 

This was claiming there was a XXXX wireless matter and they want me to call XXXX. Or visit them at https : XXXX. 

My wireless carrier is NOT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX, XXXX XXXX, Equifax. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I am contesting XXXX accounts on my credit report that I do not recognize and think might be the outcome of identity theft, illegal behavior, or erroneous reporting. The first is a {$2700.00} XXXX XXXX account classified as " potentially negative. '' The second is a {$2200.00} collection account set up by XXXX XXXX XXXX XXXX XXXX XXXX never approved these accounts ; they are not mine. 

I will be sending a report I filed with the Federal Trade Commission ( FTC ), which details this conflict. I am claiming my rights as a victim of possible identity theft under the Fair Credit Reporting Act ( FCRA ), more especially 15 U.S.C. Section 605B. Following receipt of this dispute and my supporting paperwork, I am asking that these accounts be stopped or deleted from my credit file within the required 4-day period.

Furthermore, under 15 U.S.C. 604 the credit reporting companies have obligations to guarantee that just verified and correct information is recorded. I want an instant look at and validation of these accounts. These accounts have to be permanently removed off my credit report if the furnishers of this information neglect to produce official evidence of my authorization or a current assignment of the obligation. 

I want all three credit reporting companiesXXXX, Experian, and XXXX act immediately to get these accounts taken off of my file. I want complete FCRA compliance. Ignoring may lead to legal action to uphold my rights and pursue statutory damages.
Product: Vehicle loan or lease

I paid off my vehicle loan for a XXXX XXXX XXXX to CarMax Auto Finance, in full, on XX/XX/XXXX in the amount of {$11000.00}. After recently moving to another state and needing to register my car in the new location, I discovered CarMax still has themselves listed as a lienholder and will not release the title despite providing them a bank statement proving the loan was paid, per CarMax 's own instructions. 
I have called the Auto Finance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this issue resolved.
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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Credit reporting or other personal consumer reports

After checking my credit report, I discovered multiple billing inaccuracies. The late payments recorded do not reflect my normal payment pattern.
Product: Debt collection

I recently pulled my XXXX  credit report, and noticed an account that doesn't belong to me. Account name is ( Credit Collection services Original company : XXXX XXXX : {$480.00} Account # XXXX Date opened : XX/XX/year> )
Product: Vehicle loan or lease

I'm trying to get MO DMV form 4809 completed to add my wife to the title of the car. The secure message team keeps telling me to contact the call center, and the call center keeps telling me to contact secure messaging.

I have the form and completed my section and uploaded it to the secure messaging center, they tell me to contact the call center, the call center does not have access to the secure messaging and say I can't email them the letter to complete. They say they can mail a form to my DMV, the DMV says that I personally have to bring the form 4809 in when I register, but the call center can not complete and return to me the form to do so.
Product: Mortgage

On aproxamatly XX/XX/2019 Ditech changed my account # from XXXX to XXXX at that same time I sent in a payment for more than the minimum amount which Dirtech failed to properly credit to my account they have both admitted the error and gave asurances that they would fix it and that many other customers were experiancing similar problems. I have called Ditech at least 10 to 12 times over the last 6 months to try to get them to do their job and fix their mistake with no success. Ditech continues to harass me with automated phone calls and coraspondance and have imposed severe penelties by increasing the minimum payments due and raising my interest rate. I have continued to make monthly payments in amounts more than the original minimum due at the time of the account # change. Ditech has recorded all the conversations as well as I have noteded the dates and who I spoke with. 

I have sent Ditech on two occations a Qualified Written Requist which they said they would respond to but they have failed to do so in spite of Ditech informing of dates that they would do so. At this point I feel that there is a high probablity that Ditech has violated both State and Fedreal statutes particulary the fair debt collection practices act. I  have also sent a letter with my last payment again no response.
Product: Debt collection

A collection was place on my XXXX and XXXX credit profile some months back. 
The collection company agreed to settle the dept, which they got from another collection company, so i made two payments to them between the ( 15 and 30 ) of XX/XX/2020 ; I pay them all the amount we agreed on. The collection company was supposed to send me a letter that the settlement was pay and completed but up to now i have not receive any letter. I call them twice and the last time I call them, they was transferring me to different agents with in their company and saying that they don't have my record on file. This company is not allow to collect from New York residence and have no right to place any collection on my credit profile, they need to removed it right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan with XXXX XXXX XXXX XXXX as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. Experian shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my FICO score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight aXXXX XXXX  XXXX XXXX and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a XXXX XXXXXXXX XXXX issue and that I should contact them. I tried doing so but no living person answers my calls or messages. XXXX  XXXX XXXX shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with XXXX  XXXX XXXX because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

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

On  XXXX / XXXX /17 I filed a complaint with TransUnion in regards to  XXXX  accounts that were reporting on my Credit Report inaccurately as these accounts were not mine. I requested TransUnion to provide sufficient information to investigate the disputed information, and they did not provide me with whom said accounts were verified with along with their contact information. The following accounts have not been properly investigated by law : Chapter  XXXX  Bankruptcy Maryland   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   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   These accounts have bee n labeled as Dispute n ot Specific however they were also considered " verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX all have 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 an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing XXXX XXXX Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
XXXX. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was charged XXXX over a total of 11 transactions for purchases I did make. I immediately made Paypal aware that the transactions were fraudulent. 

On XX/XX/2018 the disputes were closed and paypal removed the monies from my account. 

XXXX ( the transaction processor ) support is stating in case # XXXX they have made paypal aware the transactions are fraudulent. 

I have a few concerns here that I think are relevant to the CFPB. 

1 ) I'm not sure how this refund has not been processed and how I am having such difficulty talking to a human. There are not corresponding transactions now on the XXXX side as they have cancelled them completely. 

2 ) I'm not sure how funds were debited from my account in the first place. The " payment method '' used was set up 10 years prior for one time use, and was an agreement between myself and XXXX. To my knowledge I never authorized XXXX to debit my account and I never entered into a billing agreement with XXXX and Paypal Inc.
Product: Debt collection

Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.
Product: Debt collection

Throughout XX/XX/2019, I have received multiple calls from this company. I have also asked them to not call me or anyone associated with me. They have called my mother in law way too many times asking for my partner. They have called my partner multiple times asking for me. I'm not sure what kind of operation is being ran there, but it needs to stop. I'm giving notice to cease all contact with me or anyone else except the creditor about this claimed debt. Only contact me in writing, not by phone. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, XXXX, and TransUnion have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my report.