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

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX  Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.
Product: Credit reporting or other personal consumer reports

I was never late on my self lender account. Also its closed now. It really took my credit score down. I would like it removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had financial difficulties in which I let Flagstar know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days.

Flagstar put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ...

Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship.

I have attached a letter that I provide Flagstar in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. May I know your investigation resources that you used that proves that this account is still opened? Also this account has been in dispute for months now why does it not state that in the comment section? Why is the payment status showing late 120days on a charge-off account? This misleading information has reporting on my credit profile for over a year, therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX  XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my Equifax credit report showing proof of the inaccuracies reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )
Product: Credit card

I closed Capital One XXXX XXXX XXXX account ending in XXXX, but CAPITAL ONE refuses to mail me my security deposit back. I have been hung up on and refused service when questioning where my money is and why I have not received it yet nor when I will receive it. I am demanding they return my funds to me minus the amount spent IMMEDIATELY!!!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2
Product: Vehicle loan or lease

Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage. 

As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours. 

Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair! 
NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price. 

The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ). 

Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX  ; why would Chrysler release a title if funds were owed?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has three instances of late payments on my credit report. Despite making a payment in XX/XX/XXXX, it was reported as 30 days late in XXXX XXXX. Another payment made in XX/XX/XXXX was reported as 30 days late in XX/XX/XXXX, and a payment in XX/XX/XXXX was reported as late in XXXX XXXX. According to the law, creditors must report accurate information. I demand that the information be updated to reflect that the payments were made on time.
Product: Mortgage

Our servicer, Wells Fargo, did not send a payment coupon per normal to our attention after submission of our XXXX 2015 payment ( which was submitted XX/XX/XXXX ). As we pay 1 month ahead, a payment was sent without the statement ( for XXXX 2015 ) XX/XX/XXXX. Wells Fargo received this payment and sent us a new statement for an XX/XX/XXXX payment due date ( which was already submitted and the reason for our inquiry ). At this time, we also realized that our Escrow Account Analysis was not provided to our attention ( we know this as we were informed when trying to figure out what happened to our payment, that our payment amount had increased to cover the escrow changes ). Although the agent for Wells Fargo was helpful, it still does not explain why 1 ) the payment coupon and statement did not arrive ( we have been with Wells for over 11 years ) and 2 ) why an Escrow Account Analysis was not provided in a timely fashion. Also, when you have a payment history which shows your payments are made in advance, why does the servicer choose to apply all to principal. 
With both documents not being received from Wells Fargo ( the missing statement and the missing Escrow Analysis ), we have assumed Wells Fargo had a glitch in there system and did not produce the documents, as we did not receive.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquires please remove it and help me! 
please remove it the bureau does not remove them
Product: Debt collection

Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax and XXXX for non-compliance with federal and state laws regarding the improper reinsertion of a fraudulent XXXX  XXXX XXXX account on my credit report. On XX/XX/year>, I disputed the fraudulent XXXX  XXXX XXXX account as identity theft, providing all required documentation, including a Police Report, FTC Identity Theft Report, and CFPB Complaint. I am now also submitting documentation from the New Jersey Attorney General, FTC Fraud Consumer Report, and XXXX XXXX XXXX. Despite this, Equifax and XXXX reinserted the account without adhering to federal laws, including 15 USC 1681i ( a ) ( 5 ) ( B ) for failing to notify me within five business days, 15 USC 1681i ( a ) ( 5 ) ( C ) for failing to provide certification of the account 's accuracy, and 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation. Additionally, they violated 15 USC 1681b by allowing the account to remain without verifying a permissible purpose, 15 USC 1681c-2 by failing to block fraudulent information after receiving sufficient documentation, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in reporting. These actions demonstrate willful and negligent noncompliance with the FCRA under 15 USC 1681n and 1681o. While XXXX has removed this account, Equifax and XXXX continue to report it, causing harm to my credit. I demand the immediate deletion of this account, as continued violations will result in damages of {$1000.00} per violation under the FCRA.
Product: Debt collection

Hello, Ive received the same collection multiple times and Ive settled this debt in the past, they keep filing new reports and hurting my credit score multiple times, please remove this from my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX  system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX  and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX  is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX  TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS
Product: Credit card or prepaid card

I was told by a XXXX XXXX representative, I was enrolled in a payment protection plan, I dis not requested in which I had been charged {$12.00} every month since I had my account. 
She ga bff e me a number to contact the program under the XXXX Bank at XXXX, I requested not to be enrolled in such plan, to receive my money back. The representative told me she did and that I will receive a letter and decision of reinsbursement in 30 days after my complaint, which was on XX/XX/2018 I had never receive such letter, I called back on XXXX XXXX, and the representative told me, because I did not received any response, the complaint will be submit again as a new one and now I have to be additional 30 days.

I asked her if they will keep doing this to discourage me, and her answer was, : '' You need to wait ''.

The number of complaint if there's really one, is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX XXXX : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 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 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  XX/XX/XXXX
Product: Mortgage

I am having an issue with my Mortgage with Everbank. The Servicing is now with XXXX. It has also been with XXXX. The original mortgage was completed on XXXX XXXX, XXXX. I got behind in payments in late XXXX. In XXXX XXXX, I sent a payment of {$3600.00} in the form of a XXXX XXXX wire. Approximately 2 weeks later, the money was sent back to me along with a letter stating we could no longer accept payments to this account. I 'm not sure why. I was willing to make payments, but was told by EverBank to stop making them. I have been working with EverBank, XXXX, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XXXX XXXX, XXXX. The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me.
Product: Credit card or prepaid card

I wanted the card to get the six percent rewards on Apple products for holiday. I sent in all of my information the application requested via my XXXX, I removed the freeze from my credit report and included my drivers license ( front and back ) showing my current address. I was approved for the credit card with a {$15000.00} credit limit. I ordered the physical card which was received and activated. I used the mobile pay to make purchases at XXXX, a vending machine, XXXX, Apple Services, XXXX XXXX and XXXX XXXX XXXX totally {$41.00}. I paid the account immediately, I dont like to carry balances. These purchases were made XX/XX/XXXX - XX/XX/XXXX when for no apparent reason my account was restricted and placed under review. I contacted Goldman Sachs numerous times since then, on one occasion I was asked a series of identifying questions regarding my car color, boat length and the city of my alma mater ( which was not listed ). I even sent pictures of my XXXX XXXX XXXX and my XXXX XXXX XXXX. I noticed that they pulled my credit report resulting in a hard inquiry which remains on my report for two years. They finally reported to XXXX the account in XXXX ( a full two months after the account was opened ). They reported I had a {$10.00} balance and to date there have been no updates. I do not have any balance. They are pulling credit, lowering scores doing so, they then restrict the account and their response to the inquiry is, After looking into the account I show that it is currently under review and we will be reaching out once the review is complete. This is now XXXX and still nothing. They are damaging my credit with an account that is not usable, with outdated information and sporadic reporting. They are not providing ANY information on timeframe to resolution, or, for that matter, simply no information at all. I was unable to get the six percent rewards back for my Apple holiday purchases. I feel they are scamming people for information, damaging consumers credit and simply not doing what one would expect from a credit card provider. Its all some sort of scam.
Product: Credit card or prepaid card

At certain times during the past few months, I noticed that one of my credit card balances was incorrect/wrong, either as a result of a compromised account or late postings to my account, for example. Unfortunately, I had to purchase items, such as household products, personal hygiene items, soap, hand sanitizers and other related miscellaneous products including, but not limited to food selections to alleviate any/all food insecurity that I was and/or am currently experiencing as a result of COVID-19. In order to comply with CDC guidelines regarding ways to stop the spread of the novel coronavirus, COVID-19, I find myself in debt today, XX/XX/2020, with little relief in sight. Additionally, I am recovering from XXXXXXXX XXXX that occurred in XXXX, 2020, and I was told by a bank representative that some leeway is available to consumers who can't make full balance amount payments as a result of sickness, such as XXXX. Apparently, that is not entirely true. Coupled with the financial hardship of COVID-19 is the financial hardship that I am experiencing as a result of XXXXXXXX XXXX and XXXX. When I inquired about financial assistance due to sickness at my bank, I was told that the only financial assistance that I could access was the ( elective ) financial assistance provided as a result of COVID-19. 

I feel as if my bank is trying to rip me off, and furthermore, the bank does not seem at all interested in my personal financial hardship due sickness. The only financial assistance option provided by my bank is related to COVID-19 financial assistance, not assistance related to the fact that I was sick ( and recovering from ) with XXXX. My XXXX XXXXXXXX XXXX XXXX began in XXXX, 2020 and ended in XXXX, 2020, with one more procedure forthcoming, which needless to say was/has been delayed due to COVID-19. 

What are the the general banking rules with reference to credit card balances that can not be paid in full, when a consumer, such as myself, is stricken with XXXX? I would like to access more information about the " sickness '' related ( clauses ) policies and/or rules, for instance, that are implemented when a consumer can't pay their credit card balances in full as a result of sickness? 

One of my main concerns pertains to late fees ( which may be waived by the upon request ) but what about compounded interest accrual that is being charged during an unprecedented pandemic, when interest rates are too high to begin with for the bank ( s ) to fairly charge interest on balances that a consumer, such as myself, can not pay in full as a result of this pandemic, COVID-19? The bank 's current offering is unfair, could jeopardize a consumer 's personal credit history/score as well as compromise future access to credit and/or borrowing/lending options, for example. My bank current financial assistance offer is not good enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX  - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.