23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making.
Product: Student loan

I called EdFinancial on XX/XX/XXXX about the loan forgiveness that was issued for up to {$10000.00} and any payments made since XX/XX/XXXX should be refunded up to that amount. I made payments totaling {$5500.00} since XX/XX/XXXX and am eligible to be refunded for that amount. After talking to them on the phone I was told it will take 150-180 business days to process my refund. Other lenders have been getting these refunds to people within a week.
Product: Mortgage

My husband and I recently refinanced our home. We were issued a payoff notice from Lakeview loan servicing on XXXX for a total payoff of {$230000.00} good through XX/XX/XXXX. We closed and funded on XX/XX/XXXX and our escrow company wired the payoff amount of {$230000.00}. 
On the XXXX, we received a call from Lakeview loan servicing stating that they had rejected and were returning the wire paying off the loan. We immediately informed the escrow officer who called and was on hold with them for over 45 minutes before she was disconnected and was unable to get through to them again. The small bit of information she was able to glean was that the payoff amount had gone up with no additional explanation provided. After multiple additional phone calls and emails, our escrow officer finally received a response on XXXX with a NEW payoff amount of {$230000.00} which was issued on XX/XX/XXXX. AFTER we had closed the loan. Our original payoff, received XXXX, was good through XX/XX/XXXX so this should never have become an issue. At this point, we have spent hours on the phone with their customer service members and has not been able to make any progress. They told usr that the loan will be reporting as delinquent if not paid in full.
Product: Mortgage

As a co- borrower on a loan I have requested basic account information, monthly statements. XXXX being denied a right to manage this account & protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate and neeeds to remove : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$4800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$45000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my credit reporting with Equifax for a mortgage loan application. On XX/XX/XXXX, I logged into my Equifax account to unfreeze my credit and received an alert saying that I should call them at XXXX. I called them and the Equifax agent was unable to access my account to unfreeze my credit reporting. I was instructed to mail a copy of my SSN card and driver 's license to Equifax Information Services, along with a cover letter. 

Equifax is the sole reason I froze my credit in 2018 in the first place. I had no problems freezing my account online but now I am unable to unfreeze my credit online despite the fact that I have a 10-digit PIN number that was supposed to be used to unfreeze the account without difficulties. They are requiring me to send sensitive information via mail to a company that has already caused so many problems in people 's lives due to their inability to handle sensitive information responsibly. 

Equifax is now the one and only barrier to my ability ( and my husband 's ) to move our mortgage loan application forward. I was able to unfreeze my credit reporting with XXXX and XXXX without any issues. 

Out of despair, I did mail the documentation they requested on XX/XX/XXXX and they already received it on XX/XX/XXXX at XXXX am. 

I am contacting the CFPB anyway because I read some scary reviews from other people who were unable to get Equifax to unfreeze their credit despite following all steps required by them. 

The fact that I had to mail my documents for them to unfreeze my credit is outrageous enough for me to make a complaint. I need them to know that CFPB is aware of this situation in order for them to unfreeze my credit as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with XXXX, XXXX  and Transunion, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Product: Payday loan, title loan, or personal loan

Last year I opened an account with XXXX XXXX and they use comenity bank I bought one item and I made my payments and they XXXX XXXX the last money order I sent out to them and charged me late fees and my credit took a XXXX point nosedive. 
They never fixed it and I paid whatever they asked just to make it stop because it was like digging at concrete with a plastic spoon. I got all that situated MONTHS ago Now suddenly they want to charge me XXXX, for a misposted payment that was a XXXX on their end. I never bought anything from them and now they're trying to steal my money. Now my credit will suffer yet again because of it being at XXXX until this point. The lady on the phone was just talking in circles and kept repeating the same thing and would not help me at all. She then proceeded to just end the conversation and hang up as I was talking
Product: Debt collection

XX/XX/2018 for XXXX from Security Crdit Services from original creditor XXXX XXXX I called let them know it wasn't my debt and it's still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I submitted XXXX dispute to Experian for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted disputes before with this company for these same accounts. According to law 15 U.S Code 1681i ( a ) ( 1 ) ( A ) these accounts are suppose to be removed from the consumer report while under investigation. Also, both of these accounts have proven to be inaccurate, which states in 15 U.S. Code 1681i ( a ) ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Experian hasn't done either one which makes them in violation of the law. I have attached evidence along with this complaint.
Product: Checking or savings account

I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. 

I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. 

I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. 

I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. 

Thank you, XXXX
Product: Vehicle loan or lease

BMO Harris seems to lose my postal money order for 7 straight months until we face them with tracking money order number and the date it was cashed. They harass us at work and email daily plus 5-7 calls per day. We are not one minute behind on the payments and yet have been charged over a XXXX dollars in late fees. It seems they are not well setup with payment processing. Weeks after each money order is cashed the calls still continue. This is very unprofessional behavior and causes my family a lot of unnecessary steps and XXXX  for no reason having to argue on the phone for an hour every single months for over 6 straight months now. It angers me and causes my wife to have daily stress. Please help us. We need to get rid of amateur loan sharks
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for an auto loan though XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The vehicle in question was a XXXX XXXX XXXX listed for less than {$18000.00}. I was told I was denied unless I provided a {$6000.00} down payment. I inquired why I was being required to provide an almost 35 % downpayment and which finance company was providing this decision and I was told Westlake Financial Services was providing this information. I then inquired why a downpayment was being demanded when that is an unlawful demand and violates by rights as a consumer. The used car sales manager, XXXX XXXX, denied responsibility for the demand and reiterated that the decision was not an in-house demand but was coming from the finance company. 
On XX/XX/XXXX I reached out to Westlake Financial Services directly and provided my application number to the customer service representative, XXXX XXXX, to be put in contact with the finance representative who was handling my application. I was then put in contact with XXXX XXXX who was handling my finance application. When I finally received his call I inquired as to why my finance application was being denied he confirmed the same information that the dealership was telling me, that I needed a {$6000.00} downpayment. I then asked why this was being demanded when downpayments in a financed transaction and it is unlawful. XXXX XXXX did not have an answer for me but said he was going to speak with his supervisor. When I spoke to him again, after he submitted a " revised application '' he said that {$5100.00} downpayment is now required. I continued to inquire as to why my rights were being violated and I was never given an answer. I requested by application and decision to be provided and I stopped receiving all communications and no resolution.
Product: Debt collection

Professional finance services, end of the loan and refused validation letter. As the vehicle has been paid for, refused to speak of amount owed. No letters of curing the loan, no information of a repossession, illegal towing company, two weeks to find impound lot, sent letter to sell, no response from sell, now civil suit. This company has had over 200 complaints in the past 3 years and over 20 in last 12 months. This company was legally reprimanded in XXXX of 2018. All the same issues, non compliance with debt collections, harassing and adding additional charges without reference to. Hindering payoff and refusing to apply all payments made.
Product: Debt collection

I am inexperienced with how credit works and came to the realization that its very detrimental to life as I am embarking on my journey through adulthood. As I was keeping track of my credit score recently, I noticed there was an account opened on XX/XX/2021 by a creditor named XXXX XXXX XXXX The account name is Credence Resource Manage. I am aware of my credit card account I have with XXXX, my car loan account and my student loans that are on my account. However, I have no knowledge of that account I stated and believe that it is a fraudulent account.
Product: Debt collection

I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from Portfolio Recovery so I can be approved to but me a home this year. 
However, the original creditor is 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  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.
Product: Debt collection

I am submitting this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX XXXX XXXX XXXX XXXX, transferred my account to XXXX. XXXX, a collection agency, without providing proper notification. 

This lack of prior notice before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and XXXX also breach the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

They Discriminated on me Via contract agreement, by Denying I my unalienable rights to my benefits, and Titles as I examined the DISHONESTY thru out the XXXX years, I addressed it with honor XXXX transparency, and the outcome is ( repossession vehicles assignment...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I attached the documents, I see payments marked as late and I never been late on any of my payments, because of this error h= I have been struggling to buy a house, its giving me XXXX  and I feel like I can't do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. 
XXXX XXXX Balance : {$560.00} XXXX XXXX  Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,