23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed a joint account with Apple/Goldman Sachs , then opened a new account with them solely. The joint account had no balance when closed, they told us it was fully paid off, it turned out it had an installment balance for a new XXXX on it that did not show on my mobile app. Apple/Goldman Sachs stated that they called me and said that I need to call in payments for the installments on the old account, I do not recall receiving this call. Apple/Goldman Sachs emailed me on XX/XX/XXXX to make a payment of {$17.00} ( which is the installment payment ), I opened the link/wallet app and made a {$50.00} payment, they then emailed me on XX/XX/XXXX to make the {$17.00} payment, I then paid off the entire card balance. This entire time I was paying the current card I have, not the closed account, even though the email stated to open the wallet app and never gave an account number assosciated with the payment request. So Apple/Goldman Sachs was linking their email payment requests for my old account, to my new account, a severe glitch that now has lowered my credit score by XXXX points, as they claim I have a past due balance. I have multiple records of phone calls with Apple/Goldman Sachs asking if I have a past due balance because I kept receiving phone calls stating I did, which sounded like spam. I would call Apple/Goldman Sachs and ask and the agents all told me these are mistake calls and my account is paid. Until recently, I called again and spoke to a higher level supervisor and he said I had a {$410.00} balance due, which I immediately paid the same day, but this was too late as it hit my credit score on XX/XX/XXXX. This is very misleading, and lead me to have a balance due that I thought I paid off but it was not going to the correct account.
Product: Checking or savings account

For the last 4-5 months it's been the same runaround. I reported my card stolen and tried to request a new 1 the system denied me so I spoke to a rep. That told me it was a security issue the system couldn't authenticate me after 2 years of my business and to build a better payment history try again in 30 days. Well it's been 4 months of trying every 30 days and still nothing.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXE Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

WESTLAKE contacted me about a payment arrangement I which they were not I favor of but during my contact, I told them I contacted couple of dealership in favor of a trade in. The very next day they went and put the vihicle as a repossession at the credit bureau. I did not know until one of the dealers showed to me. First, so if you put it up for repossession why am I getting extremely upsetting calls with threatening tactics even after XXXX XXXX. I refuse to talk with them. I have consulted a bankruptcy attorney to proceed with court case. They are listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and TH all came at XXXX they need to Tran their people better in the laws of collection. The vihicle has two recalls and a front end issue that I was trying to resolved before my next payment was due, since the cost was {$1500.00} dollars or greater. They need to have a person to speak with for issues like this not some collection person who think they can anything that is very threatening to the consumer. Phone call received from number XXXX XXXX XXXX XXXX XXXX at XXXX central time.
Product: Student loan

every time i try to lower my payments they always say that they can lower it however they still say that I have to pay around {$300.00} a month. They are not helpful at all before covid they do not lower it no matter how times i speak to a representative.
Product: Credit reporting or other personal consumer reports

I am officially asking XXXX and Experian to review your data reporting on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611, I challenge all inaccuracies in my credit reporting. My profile shall be accurate, authentic, complete, and with timely verification by you of each piece within my credit report. The information in my credit report and below is not accurate. 

I did not give authorization to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my information. They are a third party and I never received information from the original creditor letting me know that they were sending information to a third party. When I wrote each collection agency to get signed documents showing that I gave them authorization. They never sent it to me. 

I launched 3 Credit Reporting Investigations on the same day of XX/XX/2023. please see below My complaints XXXX XXXX XXXX XXXX reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Company responded XXXX XXXX XXXX XXXX reporting Improper use of your report Experian credit bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Improper use XXXX XXXX report XXXX Credit Bureau XX/XX/2023 Closed Company XXXX XXXX Report XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reported on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : TRADE DISPUTE TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTIONS DISPUTE COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES COLLECTION : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. 

My question is how can the negative unverified collection account mentioned above be removed by XXXX but XXXX and Experian Credit Reporting agencies continue to report the false, invalidated, and negative accounts which are greatly affecting my credit negatively? I have a right to privacy and I have a right to have accurate and complete information reporting on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to have Kohl 's pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with Master/Visa/American Express typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the Kohl 's account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid Kohl 's in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay Kohl 's in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a XXXX-year history. I have called Kohl 's on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately 100 points because of this issue. Kohl 's needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.
Product: Mortgage

My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX  furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX  stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
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 15USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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, credit repair services, or other personal consumer reports

To Whom It May Concern : THIS IS THE FINAL WARNING TO REMOVE LATE PAYMENT FOR MY CAPITAL ONE ACCOUNT : CAPITAL ONE- XXXX YOU GUYS ARE BREAKING THE LAW AND REPORTING INFORMATION TO MY CONSUMER REPORT THAT ISN'T SUPPOSED TO ON MY CONSUMER REPORT IN THE FIRST PLACE. 
REVERSE MY LATE PAYMENT TO SAY OK and update my account to never late! 
Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REGARDLESS IF THE INFORMATION IS ACCURATE OR NOT THE CONSUMER LAW SAYS THAT THEY ARE NOT SUPPOSED TO BE INCLUDED ON MY REPORT. SO WHY ARE YOU REPORTING THEM TO THE CREDIT BUREAUS. 
Late payments are considered a transaction, the law clearly says that they are excluded from a consumer report. If they are excluded from the report then why did you break the law and post them on my report? 

My payment status is illegal to report on credit reports unless I give you written permission to write such things on my report. I did not give you any permission to report this information on my account so why did you report it there. 
PLEASE REVERSE THESE LATE PAYMENTS TO SAY OK FAILURE TO COMPLY WILL FORCE ME INTO LEGAL ACTIONS WHICH I AM VERY PREPARED TO TAKE. 
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Reverse the above late payment to ok from my consumer report, this agency is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b.

Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for capital one account number XXXX to the status ok. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

I applied for a Credit Card Issued by CitiBank, through XXXX XXXX XXXX. I applied at the XXXX, Tx XXXX XXXX store in person. When I applied the retail agent took my details and entered them into the system. She told me she had never done an application before but was willing to do it anyway. I received my card and went to the website as instructed to activate the card. The website informed me that I could not activate it online and to call a number which I did. While on the phone the operator told me that they could not confirm my identity using my social security number, the card number, my date of birth, nor any other detail I tried to give her because none of my details matched their system information. She went on to say that I could not pay the balance, nor could I talk to a XXXX until the verification process was complete. She informed me that the verification process would take as long as it would take and she was not allowed to tell me what form of communication the company would take to get in touch with the card holder ( myself ). She could not verify that XXXX of the addresses I gave her would be mailed to, nor how I was to be contacted ... but that the account holder would be charged fees and penalties until the balance was paid including debt collection services if required. I asked about paying as a third party which she denied saying that it would require a supervisor sign off and no such person was available today. She could not say when such a person would be available either. I am very frustrated because there is no way for me to prove my identity to Citi Bank, nor to XXXX XXXX Co. I have made XXXX calls today and have had all XXXX " dropped '' or hung up on. I waited on hold for a total of XXXX hours. No call backs and absolutely no attempt has been made to fix or correct the file. The company has refused to deal with me. I would like to cancel the card and close the account if it can not be corrected in a timely manner. If this can not be done I refute the charge as the person holding the card should not receive credit damages because of a serious company data fault. I highly recommend that XXXX XXXX remove the apply in store option if they can not teach their employees how to properly setup credit cards. It is absolutely horrifying that details were put in that I could not verify in person were correct and that these details are now potentially ruining my credit score with no ability to solve the issue.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and Equifax credit reports, I have identified inaccurate late payments that needs reporting and correction through your company. Please see attachments below.
Product: Credit reporting or other personal consumer reports

I believe my information was exposed in a Data Britch. As a result of that, there are incorrect information on my credit report. I ask that these charge offs, late payments, collections, and or any other negative reporting on my credit be removed. Thank you!!!
Product: Mortgage

Contracted with Lennar Builders and Lennar Mortgage XX/XX/XXXX. Closing date pushed back several times with little to no communication. 

XX/XX/XXXX I reached out to LO at Lennar Mortgage to lock rate, she recommended I continue to wait for closing confirmation. 

XX/XX/XXXX received an email notifying me a lawsuit is pending on the new development for mold/mildew. Lawsuit states some units uninhabitable. Received a contact for questions in that email, reached out to that contact and sellers agent multiple times via phone and email, no response. 

XX/XX/XXXX sent LO email I would like to lock rate. LO did not respond for days and then relayed that the condo may be unwarrantable. Asked about financing options, LO could not assist. Asked on phone and email to speak with a manager. No communication. 

XX/XX/XXXX Contacted by closing attorney that I have to choose another closing attorney because of conflict of interest due to litigation. Called recommended closing attorney I work with and they said that they had a closing date of XX/XX/XXXX. 

I still have not received formal communication about the closing date. I cant make necessary arrangements for moving. This creates an issue for me to stay housed during the unknown delays. 

I dont know what my financing is going to be, no one will speak with me. I dont understand what my rate could be, if I can still get financing. 

Called the attorney that file the lawsuit, he said there are two lawsuits, another for brick brought by the HOA. I did not receive a copy. I emailed the Lennar contacts I was given asking for a call and copy of lawsuit, but received no response. 

I am confused, I dont know if I have a home to live in within the next 60 days, if I have enough money to put down, and if my unit has any mold or bad building materials.
Product: Mortgage

I have a mortgage with Selene Finance that was acquired from XXXX  XXXX XXXX. The loan was in forbearance during covid. When the loan came out of forbearance, Selene forced me to pay all outstanding payment by threatening foreclosure. I paid the reinstatement quote in XXXX of 2022 and they informed me that I was paid up to date. When the loan restarted the payment amount had doubled. When I questioned the amount they refused to give me a breakdown and reason. The payment amount changed every 3 three months. I refused to pay without a itemized breakdown so they threatened foreclosure again. I asked by email for 4 months for an audit itemized deduction of my account and they have refused to this point. I questioned the first reinstatement when I saw that the escrow amount was {$15000.00} for a period of 2 and a half years when the yearly taxes are only {$3100.00} a year. Selene calls me weekly harassing me about my payment when it is late. I can not get any help from this company at all. Every representative there is a liar and I have been promised reimbursement checks several times for charges that I have found and proved to be incorrect. They took upon themselves to apply mischarged funds to the principal when I proved them wrong.
Product: Checking or savings account

My wallet and phone were stolen XX/XX/year>. It was a Saturday. I had fraudulent charges as follows- XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX  {$11.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$93.00} On Monday XX/XX/year> I went into a Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX United States I had to go into the branch to call Bank of America fraud department to verify my Identity with my passport and a back up drivers license due to not having my cell phone or wallet. A Banker verified my identity to the fraud department. I pointed out the above fraudulent charges as well as 1 other which was resolved by the bank. That charge was made on the same day XXXX XXXX XXXX {$2500.00}. 

Now on XX/XX/year> Bank of Americas investigation has concluded and only the XXXX {$2500.00} fraudulent charge was credited back to my account and the bank says all the other charges were authorized, My father just passed away in XXXX and this was money that he left me. Now my bank is overdrawn by over {$9000.00} dollars and I have to figure out another way to pay my bills. I have never transferred large amounts of money like that before or made that many purchases for those high prices all in one day. I have been a customer at Bank of America for 15 years. Shouldn't my money be FDIC insured or protected in some way. My money would have been safer in a safe in my home than in a bank. I just want my money back.
Product: Debt collection

Orions Management Group has contacts me everyday via cell phone and calls my employer everyday. In the past they would tell me a XXXX is coming to my job to serve me papers to sue me but I can stop it if I make a payment to an account that I am disputing. This most recent time they called me and left a voicemail that said to call them back concerning a fraudlent transaction on my credit card which the account is not a credit card account and I do not have any credit cards with fraud on it. They are using abusive tactics to get me to pay the account and I just want them to stop and the account to be deleted. They need to NEVER call my job and I have sent a letter to them asking them to stop calling me. Please help me resolve this matter. 

Thank you