23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and Equafax is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. 

I want XXXX, XXXX, and Equafax to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


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

Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant access my credit report and scores
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
AN # XXXX XX/XX/XXXXXXXX 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
Product: Mortgage

SPECIALIZED LOAN SOLUTIONS FILED AN NOD ON MY PROPERTY ON XX/XX/XXXX FOR A XXXX XXXX XXXX FROM XXXX THAT WENT TO BANK XXXX XXXX THEN TO XXXX XXXX AND THEN LAST YEAR TO SLS. THAT DEBT DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. 
THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HARASS AND ATTEMPT TO COLLECT ON A LIEN ON MY PROPERTY WITH COMPOUNDING DAILY INTEREST AND CRAZY FEES ACCRUING AT 8.7500 %!!!! 

***THIS PROPERTY HAS XXXX EQUITY-XXXX!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE XXXX MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! THERE IS A HUGE BALLOON PAYMENT THAT WAS PLACED IN MY XXXX MODIFICATION ( DONE BY XXXX ) IN XXXX. XXXX LIEN PLUS THE BALLOON DEFERRED AMOUNT DOESN'T PLACE ANY EQUITY IN THIS PROPERTY. XXXX XXXX DID THEIR OWN BPO IN XX/XX/XXXX AND THE VALUE CAME IN BELOW WHAT IS OWED TO XXXX XXXX XXXX *** **BANK XXXX XXXX XXXX MODIFIED THAT XXXX LOAN IN XXXX, BEFORE TRANSFERRING IT TO XXXX XXXX. I WAS MADE TO BELIEVE BY THESE PARTIES THAT THE XXXX LIEN HELOC WAS GOING TO BE FORGIVEN. 
HOWEVER, XXXX NEVER COMPLIED WITH THE MORTGAGE SETTLEMENT ACT AND EITHER PLACED THE XXXX HELOC IN A XXXX MODIFICATION, AS REQUIRED BY THE SETTLEMENTS OR MORE IMPORTANTLY, EXTINGUISHED THE LIEN, AS I WAS MADE TO BELIEVE. 
THEY MAY HAVE EVEN RECEIVED XXXX TREASURY FUNDS, AND NOT EXTINGUISHED THE LIEN LIKE THEY AGREED TO IN THE STATE AND FEDERAL SETTLEMENTS, AND NOW ARE TRYING TO DOUBLE DIP. 

THEY REFUSE TO PROVIDE ANY INFORMATION ON TRUE NOTE OWNERSHIP FOR LEGAL STANDING, XXXX MODIFICATION INFORMATION, OR WHY THE XXXX LIEN WASNT FORGIVEN WHEN BANK XXXX XXXX FORGAVE ALL XXXX HELOC LOANS, NOR WHAT I WAS MADETO BELIEVE. 

THEY HAVE NO LEGAL STANDING OR RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' BANK XXXX XXXX XXXX XXXX XXXX THE BANK OF XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX. ITS UNKNOWN WHO, IF ANYONE, LEGALLY HOLDS THIS NOTE, AS THESE POOLS OF HELOCS WERE EXTINGUISHED. 

XXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS TO XXXX XXXX AND SLS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING XXXX OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE THIS ARE QUESTIONABLE, AS THIS HASNT EVEN BEEN RESOLVED BETWEEN REAL TIME RESOLUTIONS SERVICING LAWSUIT AGAINST SLS!!!. THIS ISSUE HAS YET TO BE RESOLVED AND ORDERED BY A JUDGE. 
THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! THEY NEED TO COMPLY WITH THE XXXX DISCHARGE, REMOVE THE NOD AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA, TRUTH IN LENDING ACT REQUIREMENTS, REGULATION X. 

THIS IS ALL IN DIRECT VIOLATION OF THE CFPB SETTLEMENT IN XXXX!!! THEY ARE CURRENTLY BEING SUED FOR SIMILIAR COMPLAINTS IN DIRECT VIOLATION OF THE SETTLEMENTS THEY AGREED TO. 

***PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE NOD AND LIEN XXXX *** I WANT THIS NOD REMOVED IMMEDIATELY, AND LIEN NEEDS TO BE EXTINGUISHED AS IT SHOULD HAVE BEEN YEARS AGO. STOP THE HARASSMENT!!!!!!
Product: Checking or savings account

Hi there I been working with key bank trying to open a account because I cant put my XXXX funds into any account they refused to open it due to a thing they said they seen XXXX XXXX thats why I cant get any account ok the XXXX XXXX  report came today and key bank is not on my account at all so I called the XXXX office now to tell them its not on there the XXXX XXXX key bank but now there saying I never had a open case before
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same items with the Bureau since XX/XX/ 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature. 
Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible purpose.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX on XX/XX/XXXX, for {$52.00} and {$7.00} shipping, totaling {$59.00}. The transaction was processed through Paypal, and the funds were supposed to be released to me by Paypal on XX/XX/XXXX. The tracking system confirmed an XX/XX/XXXX delivery and the buyer left positive feedback on the transaction. On XX/XX/XXXX, the funds were not released as promised, so I first contacted XXXX and was told [ by XXXX ] that it was a Paypal issue, since the transaction had gone through Paypal. The reference number for my involvement with XXXX on this issue is XXXX, and it will confirm what I've stated. I then contacted Paypal, and was told that it was an XXXX issue, and even when I pointed out that XXXX was no longer involved in the sale, the rep still insisted that it was an XXXX issue. ( The transaction details reveal that it is not an XXXX issue, and that Paypal is responsible ). To date, I have invested XXXX minutes into telephone conversation and 'hold time ' to resolve this matter. As of right now, I do not have my item ( because I sold it ), and I do not have my {$59.00} and Paypal still insists that it is not their issue, when I have proven to them, through the account/transaction details, that is in fact their issue and not XXXX 's. At this point, all I want is my money - I have even stopped selling on XXXX as a precautionary method to prevent this from happening again. The latest correspondence I had with PayPal was on Monday XX/XX/XXXX at at XXXX XXXX Eastern Time, and was told [ once again ] that there is nothing more that they can do for me - the Paypal reference number is XXXX, which will confirm the details of the conversation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed and upload my proof and I would like this to be removed off my credit report asap. And I also uploaded proof gave them documentation and nothing has been resolved. Can you please remove this item? 
The company name is Jefferson capital XXXX loan dating XXXX XXXX account number XXXX or account number XXXX thank you.
Product: Credit card or prepaid card

I have held Commercial Revolving Charge card with Home Depot since XXXX. Citibank is the servicer for the Home Depot cards in additional to many other retailers. 
My credit is excellent in the XXXX range and even so there have been times over the years I have been late with a payment to various entities. If that ever occurred, I always apologized and paid a late fee. Im careful in financial management and most always pay the full amount of a charged balance on each statement. Normally, I would never take the time to write a complaint letter requesting for government investigation, but in this case : I believe CitiBank Card Services engages in intentional billing errors with the purpose of generating additional revenue by unjustly collecting late fees, finance charges and high interest charges. I believe their collection staff is trained to unnecessarily intimidate and harass customers to confiscate unjust charges. 
If Citibank has done what happened to me as noted below, how many other people have they taken advantage of? 
XXXX XXXX was due XX/XX/XXXX in the amount of {$990.00}. Payment was issued and mailed on XX/XX/XXXX. The following XXXX XXXX reflected the payment of {$990.00} was processed on XX/XX/XXXX and Home Depot added a late fee of {$29.00}. XX/XX/XXXX was a SUNDAY and the USPS does not deliver mail to businesses on weekends, thus Citibank had to have received the payment on or by the due date of Friday, XX/XX/XXXX. I called Home Depot and spoke with a kind representative who agreed and said the {$29.00} fee which I did not pay, would be waived. 
Then in XXXX I received a collection call from Home Depot, I immediately returned the call and reached the most unprofessional, rude representative Ive ever dealt with XXXX from Texas who then sent me to XXXX ID # XXXX. I politely explained the circumstances then she unleashed and claimed I never called the first time and basically stated, I was a liar, late payer and irresponsible cardholder. She demanded I now pay {$73.00} which she said was the new balance. I had not received any statement reflecting a {$73.00} balance and requested a faxed copy. The conversation became heated, I became very angry and I told her to cancel the XXXX XXXX XXXX XXXX XXXX 
Days later on XX/XX/XXXX at XXXXXXXX XXXX  CitiBank faxed me a copy of the XXXX and XXXX Statements. The XXXX XXXX had the previous {$29.00} XXXX a {$1.00} finance charge and another {$29.00} late fee, for a total balance due of {$59.00}. The XXXX XXXX reflected the accumulated {$59.00} balance for unjust charges plus an additional {$40.00} late fee which was credited back and a legitimate {$14.00} charge for goods. I paid the entire balance of {$73.00} including the compounded late fees and finance charge on XX/XX/XXXX. DONE and the account is closed by the Consumer which adversely effects my good credit.
Product: Credit card or prepaid card

Starting in XX/XX/XXXX on my American Express Corporate Credit Card I received a fee for {$54.00} which they called a Delinquency Charge on a prior balance. I continued using my employers software to submit my expense reports to pay off the balance i show to be owed to the account. In XX/XX/XXXX payments were received to settle the balance owed in the XXXX statement plus to cover most of the transactions that occurred during the billing cycle of XX/XX/XXXX. However, now i am charged a {$39.00} fee called " late fee for 30-day past due balance '' In XX/XX/XXXX my payments cover the expenses occurred, however another {$39.00} late fee is charged again to my account. I discontinued using my card in XX/XX/XXXX and have continued received a {$39.00} late fee every month until XX/XX/XXXX when my account has been turned over to collections. I have not received a statement from American Express nor any communication about these overdue balances. I have relied on my company system and I understand this is a corporate card, but as a consumer i am still personally responsible for this debt and would expect better communication as well an understanding of the continued {$39.00} late fee when no new events had occurred on the account for at least 6 months. My understanding of the credit card act is to protect consumers from abusive fees on fees. I believe i have been charged a {$39.00} late fee because i didn't pay the late fees. My transactions have all been paid and accounted for. I believed my account had a {$0.00} balance and had no indication from American Express otherwise until a letter was sent in XX/XX/XXXX. I expect to see all statements and communication that was sent to me to try to resolve the issue before it escalated to this point. Additionally, I expect all these late fees waived as payments had been received on the account during the billing cycles they were charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received in the  U.S. mai l a copy of my " Experian '' credit report. On " Page  XXXX  of  XXXX  '' under the " Record of Requests For Your Credit History '' is incorrectly states that "  XXXX   XXXX  '' had unlawfully requested my credit history on "  XXXX   XXXX .   XXXX  . '' I have NOT applied for " credit '' of any kind in over  36 co nsecutive months. I am the Victim of Identity Theft.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt or credit management

I had an account with Lexington Law several years ago. They never provided me with the services they promised and charged me prior to providing me with the services. I never saw any results from this service and I have several friends who signed up and never saw the results they were promised either after spending thousands with them. They were direct drafting from my account for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account Has Violated my Rights 15USC 1681 Section 602 States I Have the Right to Privacy.

15 USC 1681 Section 604 A Section Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX  and still noticed XXXX is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.
Product: Debt collection

THIS PRESSLER AND PRESSLER LOCATED XXXX XXXX XXXX XXXX, NJ XXXX, THIS COMPANY IS CONSTANT TREATING ME, THIS IS UNCONSITUTIONAL FOR THIS COMPANY TO BE THREATING TO TAKE MY FUNDS, THIS IS NOT THEIR BUSINESS, THEY NEED TO MINE THEIR BUSINESS THEY ARE A RIPP -OFF BECAUSE THEY GET A PERCENTAGE OF WHAT THEY GET.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 days I have attempted to unfreeze my credit report with Equifax. I have been able to temporarily unfreeze my account with XXXX and XXXX without any problem. My wife was able to temprarily unfreeze her account with all three agencies. I have attempted to unfreeze my account with Equifax online and by their telephone computer. In spite of entering all the asked for data I continue to get a recorded message that they are unable to process my request. I even had a loan officer from the financial institution help me with this process but to no avail. I am not able to speak to anyone at Equifax re this problem. 
I am asking for help to have Equifax call me so that I may proceed with my loan application. Their customer service has been nothing short of dreadful. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the 3 agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all 3 credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by US Bank at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet US Bank Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XX/XX/XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
Product: Credit reporting or other personal consumer reports

The information you are reporting is not accurate and its not complete it is incorrect, please delete if from my credit report immediately, I want you to reinvestigate this because thhe way its looking on my credit report it does not look accurate and it does not look complete. it hurting my ability obtain credit & hardship
Product: Vehicle loan or lease

I was given false and inaccurate information about my finance charge and was told I had to pay {$20000.00} on a consumer credit transaction, after approval pursuant 15 U.S.Code 1605 Determination of a finance charge being the sum of all charges when in connection with a Consumer Credit Transaction,
Product: Payday loan, title loan, personal loan, or advance loan

After my car was in an accident it was declared a total loss. My insurance company, XXXX, fully paid off the loan with Ally in early XXXX leaving the account satisfied with a XXXX balance. Despite being paid down, Ally initiated a GAP insurance claim about 7-10 days later. They then claimed they were unable to cancel it, forcing me to try to resolve the matter personally. I called XXXX, the GAP insurance carrier, to cancel the claim. Ally has told me that they can not close out my account because they are waiting to receive a refund from XXXX. I called XXXX and they told me that Ally has not asked for a refund nor contacted them at all in the past two weeks to cancel the contract. In addition, Ally withdrew an unauthorized automatic payment from my checking account over a month after the loan was paid in full. This is truly a fraudulent charge as the loan balance was already {$0.00} when they withdrew money again. It is now almost 60 days since my Ally loan has been satisfied and I have not received anything from customer service other than apologies and delays. It has been extremely frustrating. They are now not calling me or telling me what is going on. Credit bureaus continue to reflect that I have an $ XXXX car loan open with Ally. I have looked at reviews online and seen that Ally has failed to provide lien release paperwork or refunds when necessary up to a year! I have attached to this complaint proof of payment from XXXX, satisfying the loan, and a snapshot of my Ally dashboard showing that my loan as been completely paid down to a {$0.00} balance.