23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I sent out our house payment priority mail on the XXXX of XXXX. Specialized Loan services LLC. Received the payment on the XXXX of XXXX and it was signed for upon reception. Specialized Loan services did not process the check and in fact have not to this very day. And now they want to charge me a late fee. I tried calling them on the phone only automated services on the phone. I kept pressing for an agent but, " due to Covid-19 '' blah, blah, blah. 
Look, I have paid my house payment on time for 25 months now and no problems until now. I already read that this company plays these games and I am not going to stand for it. I am trying to get my credit back up so I can refinance my house and they know that and want to keep me on the hook with them. I have the USPS receipt and documentation showing that they signed. This is not the time to be playing with peoples homes I mean I made it through the XXXX ' housing market crash. These guys are just trying to squeeze me for a dollar. This isn't right and I'm contemplating driving to their office and making a scene.
Product: Checking or savings account

I have sent XXXX payments to XXXX XXXX XXXX XXXX ( XXXX ) to meet XXXX requirements and never received the XXXX. Since I have not received the XXXX, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXX XXXX, XXXX, XXXX XXXX. You XXXX have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor XXXX XXXX XXXX XXXX and the FBI. I request your investigation with a goal of returning all the XXXX payments totaling {$7500.00} ( attached ). All payments were initiated from my Wells Fargo checking account. I consider these XXXX payments as stolen and request their return. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, XXXX, and Trans Union indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, XXXX, and Trans Union. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, XXXX, and Trans Union to immediately delete the inaccurate information from my records! 
Thank you,
Product: Credit card or prepaid card

I was trying to apply from US bank but the US bank does not provide me credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between Sallie Mae, XXXX, and Navient I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX XXXX which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, Navient has refused to allow me to consolidate my loans and has reported over 20 loans which I am confused about why there was ever more than one lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming exempt on my W2 just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX  and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until 2022 or something while they review and yet, Navient hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.
Product: Credit card or prepaid card

I have been trying to obtain signed contracts for multiple accounts that have been opened using my personal information without my knowledge or consent. I am looking to press charges and I need this information to do so. I have been trying to get this documentation for months now and have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7  years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Credit card or prepaid card

I received a Vanilla Gift Card for {$200.00} back in XX/XX/2021. When I went to use the card for the very first time the card was declined. I had checked online to make sure the balance was {$200.00} so I tried the card again and it still declined. When I pulled up the account information it showed that a transaction in NY had just been made for the full {$200.00}. I called and reported it to Vanilla Gift Cards and they sent me a dispute form. I completed the form immediately and emailed it back. I waited about a week and called back they say they never received the dispute form back so I faxed it and emailed it. Finally I received an email confirming they had received it. It states it could take up to 90 days to determine the outcome. Around 90 days I called again and they couldnt find the dispute form, I spoke with a supervisor that said she would escalate it however how could she escalate it if they didnt have my dispute form. Once again time goes by no word on anything I call again and was hung up on. Im so frustrated with the lack of customer service, I finally received and email with a letter attached saying they ruled in my favor and would be mailing me a new card with 2 weeks. Well 2 weeks came and went no new card so I called again and one rep told me they hadnt even started on my claim, frustrated again I asked for a supervisor she said a new card was mailed out and was already used. I told her I did not receive that card, she said it would take another 90 days for them to determine the activity made in the replacement card. Ive never heard of such a thing I received this gift card 6 months ago and still have not been able to use it. The card # XXXX XXXX XXXX XXXX and my dispute # XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE. 

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX  PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ). 

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry in my XXXX Credit file on XXXX XXXX 2016, which should not be there. I have never authorized Paypal to make any such inquiry against my credit. Please have XXXX to remove it as XXXX have already removed it.
Product: Credit reporting or other personal consumer reports

My problem is with the credit bureau, XXXX and TransUnion. I think they are messing with me for some reason. There is no reason for my XXXX XXXX to jump anywhere from XXXX to XXXX points in XXXX month. The reasons they give are ridiculous. I wish I could send copies of my reports. For instance in XXXX they lowered my score XXXX points because XXXX XXXX XXXX increased my credit limit from {$1800.00} to {$3000.00}. Yesterday TransUnion lowered my score by XXXX points because I paid a credit card down from {$300.00} to {$0.00} then says " nice work your credit card usage is under 10 % ''. That don't make sense. In XXXX they lowered it XXXX points because I paid off a loan from {$820.00} to {$0.00}. 
XXXX lowered my score by XXXX points because an account I had with XXXX is being reported wrong. I closed that account over 7 years ago. As a matter of fact, I have not missed a payment or been late on any payment on any account in over 7 years. In XXXX XXXX lowered my score by XXXX points because XXXX increased my credit limit from {$1000.00} to {$1500.00} and my XXXX XXXX credit card I paid down from {$260.00} to {$0.00}. This has been going on for quite some time. It bounces back most of the time, but for XXXX reasons. I would just like someone to check and see if they can't incorporate some kind of standard. I never know what my score is going to be.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AMERICAN EXP Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have 2 XXXX loans on my credit report from XXXX I called the number on my credit for the loan servicer, and they said I had to email the original servicer, so I did, and an automated email came back and said this company no longer services XXXX loans. Therefore, I asked they be removed from my credit because these loans are dismissed, therefore reported wrong on my credit, pulling my score down.
Product: Checking or savings account

To whom it may concern.

I am having trouble with Renasant Bank XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Branch Manager. ( I am dealing with XXXX ) Our XXXX  XXXX  just elected me as XXXX and I need to change control of the checking account over to myself. I called Renasant Bank and asked what document they needed to change. They indicated that a copy of the State Registration showing the change of officers and a copy of minutes of the meeting indicating the change of officers were needed along with my IDs. All information was provided. Now they are refusing to make the change until we hold a special meeting to specifically vote on whom to take off the bank account and whom to add. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXX XXXX XXXX
Product: Credit card or prepaid card

Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.
Product: Debt collection

They got a judgement against me many years ago, when I moved. I didn't know about the judgement at the time. I later fought off the attempts to garnish my wages, etc. Recently I tried to settle with them a smaller amount. This was a debt of about {$11000.00} that has ballooned to {$37000.00} without me getting anything. They went into my checking account, with the court system and took $ XXXX. I asked them repeatedly to negotiate and they refused to. Not even {$1.00}. I even told them they went into my son 's bank account and took his money. Also I get paid 1099 so I don't have my taxes taken out, so they took my money to pay my income taxes with. I listed the exemptions I felt I should have had, but they were not interested in. They cleaned me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY AT FAULT : ZION DEBT HOLDINGS LLC THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY ZION DEBT HOLDING LLC, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXXXXXX XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Product: Credit reporting

I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the item from my 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 creditor. Please update or correct the late payment from this account. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX 2 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$0.00}, XXXX {$1200.00}, XXXX Not Reporting Anything They are reporting multiple XXXX  remarks to my payment history after date of last activity. 

Both bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Acr ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate on unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Tried to resolve this debt right after it was given to me. I am a XXXX Veteran and this debtor has not received payment from the Veterans Affairs for whatever reason. I gave the original debt collector the payment info but they continued to reach out to me. Now a US Appeals Judge has ruled in XXXX XXXX XXXX that the VA is indeed responsible for these debts at NON-VA emergency rooms etc. This debt collector needs to take this up with the VA.
Product: Credit card or prepaid card

XXXX i can't link my account to XXXX XXXX and I already called PNC BANK