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

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXXasking them to report my credit history accurately. I received a letter dated XX/XX/XXXXstating that they were reporting the information accurately. 

I have written, Equifax, XXXX  and XXXX  asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.
Product: Debt collection

There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX  due to they never sent me notice on my repossession car sale and never answered or sent the receipts in the car sale, I believe that the account balance is inaccurate and they refused to show me receipts to show other wise. Experian denied to follow up with the investigation. Also regarding my account with XXXX, I settled the charge off for a pay for delete, which I showed proof that the account was paid and the creditor also reported a XXXX XXXX balance but it still shows on my credit. Also, my XXXX XXXX account which the account is closed but shows an inaccurate outstanding amount, I showed proof of the amount it should be but it still reports an insane amount. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting house and car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry with XXXX is listed on my credit report that I did not authorize or initiate.
Product: Checking or savings account

Ive had to ask CFPB for assistance with JP Morgan Chase before. Im going through a very volatile divorce. On XX/XX/2019 my ex husband stole my wallet and my phone. He made a purchase of {$510.00} on the XX/XX/XXXX. On XX/XX/XXXX he made purchases of {$29.00}, {$30.00}, and withdrew {$1000.00} from my bank account. Chase refunded the {$510.00}. However they are refusing to reverse the rest of the charges stating that the signiture looks similar and he used my debit card. They even we so far as to say they dont know who should let him withdraw money with a XXXX id. I dont know either but it was not me and I need my money back. They insisted they sent me letter. I received a secured message a week after they told me they denied my request and they are refusing to allow me to appeal the decision.
Product: Debt collection

This company posted this debt to my Consumer Report without letting me know that they bought the debt, or that I allegedly owed the debt. Therefore, it should be deleted due to its standing invalidity.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX XXXX 
XXXX : XXXX SECURITY FREEZE
Product: Debt collection

XXXX XXXX XXXX has never contacted me in regards to this alleged debt, I have submitted mailings and accessed their website to try to obtain more information and I've never received anything in writing stating I have a right to dispute the debt, or that they claim they are collecting on the debt. I have no idea where this debt is coming from, I was only made aware when I contacted the credit bureau and say it was listed only listed on my XXXX report.
Product: Debt collection

On XX/XX/year> I over nighted a payment towards the dept that I owe. I overnighted a payment of {$100.00} as a cashiers check. On today XX/XX/year> they called and confirmed they received the payment and REFUSED to send a receipt or confirmation that they received the payment! They verbally gave me the new balance and that was it. For my records I need physical proof that the payment was received and deducted from the balance.
Product: Credit reporting or other personal consumer reports

I have no knowledge of account showing on my credit report. I have disputed with my credit bureaus and tried to contact the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this collection account Phoenix Financial Service and would like to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I got XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX someone used my chime card and made fraudulent charges of {$1800.00} and some cents I disputed discharged with chime for I mean 12 13 14 times and each time I got denied and I rebuttled this matter four or five times and still was denied I sent them paperwork from the jail I sent them paperwork from notarized paperwork my lawyer sent them paperwork and I still was denied my money
Product: Payday loan, title loan, or personal loan

I had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX  insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX  report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results
Product: Checking or savings account

I transferred funds to my savings because Wellsfargo has a stopped payment to discover card on my checkings. So I moved 2 seperate amounts on Saturday, {$170.00} & {$1.00} to my savings for my bill payment of {$160.00}, the account had already been negative {$4.00} for a account fee of {$5.00}. I was told because it posted on monday then they hit me with an overdraft fee. Called them up and they could only offer me {$8.00} in credit out of the {$35.00} overdraft fee even though on Sunday the account balance was XXXX. XXXX took {$160.00} on monday, they claim overdraft services was used. Even though the money was already there. Customer service had apologized and said that 's all the bank was willing to offer.
Product: Credit reporting or other personal consumer reports

The Account amount I had with Affirm Inc was paid off on XX/XX/XXXX which I was confirmation I received from Affirm stating that the amount was paid off. And when I disputed this with XXXX since affirm did not update the amount as paid off and its still on my credit report. 

For the dispute I submitted with XXXX, Affirm had replied the information was accurate that theres still a balance.
Product: Credit card or prepaid card

During my 20 years of being tied into the XXXX frequent flier program and using their tortuous credit card, I am forever locked into this card because of the potential of losing miles and I can't transfer out to a more customer friendly company than XXXX XXXX without potentially losing my miles. Over the years this company is getting more and more zealous in frequently locking up my card for no reason, and today was the final straw leaving me stranded in the Texas summer heat at a gas station and refusing to unlock my account. I have been to the top of this company before and they work entirely off an antiquated fraud detection system. For example, if you make yearly purchases from the same company, since their fraud detection software goes back only 6 months, so that for whatever arbitrary reason ( the name of the company you are buying from sounds " foreign '' ) they lock out the card frequently without reason ( can't say, they tell me because after all it is their flimsy excuse for a secret powerful processor of insight and fortune-telling ). 

Also they have begun to demand recently that you give them a text number on file so they can communicate with you. I never signed up for providing CitiCard my phone account to use at their leisure and if they want me to receive texts from them, then by all means they should send me a pre-paid phone out of their own proceeds, not mine. 

Not once in the many, many holds they have put on my account, have they ever caught someone defrauding my account, so to me it seems they have an issue with their fraud tracking software and they need to " stay off my back for something I've NEVER done!
Product: Student loan

My student loan is a spousal consolidation loan. I worked in XXXX XXXX for exactly 10 years before retiring. Under the current Biden Student Loan Waiver, I am able to apply for PSLF even though I am retired. I actually applied before I retired to ensure my payment count was correct. It was incorrect but I wrote to them and asked them to relook at the payments and they found 118 of 120 needed to qualify for forgiveness. 

Fed Loans said that I was in forbearance for 2 months and I checked my records and have all the paper work that shows that the reason for the forbearance was a DELAY in them calculating my Income Based Repayment so they suggested/co-oerced me into accepting a month of forbearance, knowing full well this would affect future payments from counting for PSLF. 

So I completed the paperwork for forbearance for those two non-consecutive months ( XX/XX/XXXX & XX/XX/XXXX ) and the ONLY reason I had a forbearance was because of THEIR delay in recertifying my Income Based Repayment plan and them reaching out to me to encourage me to file for forbearance while they recalculated my payment. I resumed payments immediately upon recertification both times.
Product: Mortgage

I have two accounts with Fay Servicing. In XXXX. I accidently paid one of the accounts both my accounts payments. In XXXX I was going to pay my mortgage and was told I could not make a payment due to being delinquent with my XXXX payment and I had to pay a late reinstatement fee before I could make a payment. The reinstatement fee is $ XXXX a day and he mentioned I was 34 days late equaling to {$3400.00}. I mentioned to him I made the mistake, and can he just go to my other account and transfer the fund from me accidentally paying twice and he told me they can not do that, and I need to pay the fee. I could not understand that because it is the same company, they see the mistake it's very obvious. I've never missed a payment on either of the loans from the conception of each loan. I requested to speak with a manager, and they told one was not available. I called again and asked to speak with a manager and was told the same thing. Then the rep told me they would have to get approval from the lender at that time I asked if I could get the lender information, he gave me the company name, but it was incorrect. Then he said he would put in a request to have the fee moved to the end of the mortgage. I asked him how long that will take, and he told me up to 2 weeks, then I asked him would I still be paying $ XXXX a day until then and he told me yes, then I asked him if I can go ahead and pay the Mortgage, and he told me no until the fee is paid. That doesn't make sense to me, and very unfair, I am a loyal customer. 
It is very difficult for me to wrap my mind around having to pay such a steep penalty for a mistake that is so obvious, that can easily be corrected. I would like to be forgiven for the mistake, make the adjustments necessary and it will never happen again. I would also like to have the name and contact information for the lenders of both my loans.
Product: Credit card or prepaid card

Applied for Apple Credit Card ( Goldman Sachs ) ... was told 2 days later my identity couldn't be verified. Customer support instructed me to re-submit application and make sure info was correct. I did so and the application was under review for over 2 weeks. I reached out to card support once again and was told application was being reviewed. 
That same day ( XX/XX/2019 ) I was approved for account with {$6000.00} limit at 23.79 % interest. 

Today ( XX/XX/2019 ) my account was closed by Goldman Sachs. 
I reached out to card support and they could not give me reason why account was closed. They stated that in my card agreement they reserve the right to close my account at any time. 

Accepting the offer caused a hard inquiry on my credit report. Closing the account has affected my average age of accounts, both negatively affecting my credit score.

I have worked very hard to build my credit score up to XXXX. This is unacceptable to me. 
I have limited credit account history so age of accounts is an important factor. I also have a perfect payment history on all credit accounts and often pay balance in full monthly, and always pay more than minimum payment. 

Thank you
Product: Credit reporting or other personal consumer reports

I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, XXXX, and Transunion credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Mortgage

My loan was previously being serviced by XXXX  XXXX XXXX # XXXX. I began receiving communication that i was two months behind on my mortgage payments and, immediately, attempted to contact the servicing department to get clarification on the dates that were missed as I have ALL of my cancelled checks. I had asked, on numerous occasions, for them to provide the dates that they show were missed so that I could provide the correct documentation. On each occasion I was told that they could NOT provide a detailed payment history but they continued to send letters and report their information to the credit reporting agencies. On XX/XX/XXXX I received a letter that my servicer was being changed to Specialized Loan Servicing LLC. ( stating that any payments sent after XX/XX/XXXX should be sent to them - albeit sent 11 days AFTER payments should be sent to them ) On XX/XX/XXXX I started receiving letters, again, that I was " seriously '' delinquent on the mortgage. They were contacted, immediately, to request a payment history ( again ) so that I could provide the correct documentation. After I was told that they could not provide a payment history ( even though they would have received all of the documentation from my previous mortgage with XXXX XXXX XXXX ) they provided a payment history from XX/XX/XXXX to XX/XX/XXXX, with corresponding late charges. On XX/XX/XXXX I received a letter that they were going to begin foreclosure proceedings. THIS is in violation of the, most recently updated, RESPA servicing rules in that my mortgage would have to be 120 days delinquent in order to begin foreclosure proceedings. Not including the fact that the company must also provide loss mitigation options which I have never received AND do not need as I just need to know where they believe I became delinquent! In addition, ALL corresponding late charges and any, negative, reporting to the credit bureaus should be removed. This is a perfect example of why the RESPA rules were amended to assist consumers with servicing companies that continue to take advantage of them. Please feel free to contact me for further information.