23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I originally booked a stay at XXXX XXXX XXXX in XXXX from XXXX XXXX - XXXXXXXX XXXX  through XXXX with my Apple Card. While staying there, I encountered numerous serious issues : 1. My girlfriend cut herself when trying to open a defective water bottle provided by the hotel which cut and left a wound on her finger. Hotel staff ( maybe security? ) came up a few minutes later to assess the situation and replace the bottle. 
2. The next day, hotel staff left our door open and accessible by anyone all day which put all our personal belongings at risk and was extremely unprofessional 3. The TV and toilet had issues 4. When we informed the staff on the above issues they offered a complimentary breakfast the next morning ( I dont think they took our concerns seriously ) 5. The next morning when trying to use the complimentary breakfast they said they had no record of any offers so we had to spend another hour talking to the staff reexplaining all of the above 6. They once again offered complimentary breakfast delivered to our room since breakfast was now closed and we were checking out 7. We waited hours again and no word from them on the breakfast 8. After returning home we contacted the merchant ( Trip.com ) but they have been giving us the constant runaround passing us from agent to agent without any resolution for over a week now. 
9. Disputed the charge through Apple Card ( Goldman Sachs ) and provided them the evidence attached but it was not successful. When asked about the rejection reason I was simply ignored. 

So I've wasted hours upon hours for some sort of resolution that never came for the numerous issues we encountered which has been very frustrating to say the least. XXXX and the XXXX XXXX acknowledge they have not provided satisfactory services and are unwilling to fully refund our charges, only false promises of a cheap {$30.00} breakfast and XXXX coins which I have no use for.
Product: Mortgage

I have been working with PennyMac for almost a year in trying to modify my home. Back in XXXX of 2015, I was only 3 months late, and I had also a complete modification package with Penny Mac. While I was on a call with them to ask about the modification, I asked the agent where I can make my mortgage payment, and the representative instructed me not to make any more payments because then I would be denied because it would show I did not have a hardship. I was hesitant as I still wanted to make payments, but Penny Mac agent said do n't make a payment and we can not accept any more payments unless it is the FULL amount. Shortly after that, I received a Notice of Trustee sale even though I was in modification review and it was confirmed that ALL documents were in. But then, when I would call another agent would state that no, not all of your documents are in. They set a sale while I was in review and they are continuing to play these games with me. My brother and his daughter live in the home and I am XXXX right now with my elderly parents. My father was in the XXXX XXXX XXXX, I helped them with their mortgage payments for 6 months and that is why I fell behind, I have sent this proof in to Penny Mac and they are stating my hardship is not verifiable. Please help me It seems like Penny Mac just wants to foreclose without giving me a chance. Please dont allow them to tell people to miss payment and refuse a payment, I am ready willing and able to make payments, I just need a lower interest rate as it is 6.95 %. Please help. XXXX XXXX you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian For allowing unverified information being reported to my credit report I asked Experian to verify and make sure that the information was correct I asked experience to provide me with the original contract with my signature and experience has failed to do so. XXXX XXXX XXXX is refusing to provide me proof of accuracy of the Debt they say I own
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items on transunion because the information being reported was incorrect and being reported differently on all three credit reporting agencies. 

I asked for this information to be verified and updated and they did not verify or update the incorrect information. 

They instead sent me back confirmation that they verified these items. 

I checked my credit report again and these items are still incorrect. 

i also asked them to update my name and address and employer and they have not. They have been sent my correct information with driver 's license, social security card, and utility bill with correct address and they refuse to delete the incorrect names, and addresses from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  have a record of my existence. However, Equifax claims that they do not. I have a credit card and car loan through XXXX XXXX, yet Equifax says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 XXXX XXXX  reported that they only send information to XXXX. If XXXX XXXX  could send my information to Equifax, this would presumably solve the problem. 

Thank you!
Product: Checking or savings account

I have a Bank of America Credit Card and it has been fine to use, however recently I got an email that a savings account i " applied '' for was approved, but I did not apply for one. 

Now, I can not continue to use my primary checking account at another institution to pay the BoA Credit Card bill, it seems I have to use the savings account i did not ask for. 

Its frustrating, and I may try to transfer my balance to another bank to clear it from BoA and be done on that side.
Product: Prepaid card

my chime digital cards are not available to use I'd like to be able to use them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went through my file to get the code to lift the credit freeze with Experian. I did not find anything. I went online to learn how-to ; info was to create a free account. They asked for name, address, email, and probably a phone number ( from memory ), but then they ALSO asked for the entir

e S.S. number, instead of the last 4 digits. The purpose of the security freeze is to PROTECT the social security number and SURELY, they can identify me with everything else they asked for online or can ask me say, on the phone. ( My main bank only asks for the last 4. ) - Of course, it is impossible to reach them on the phone. Since most potential creditors want a report from all 3 businesses, please help me here. 
Thanks.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Student loan

My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.
Product: Debt collection

Please see documentation. 
One company became another company and is trying to garnish my wages for a debt that is almost 10 years old.

They have fraudulently jacked  up the judgment amount and additional interest is usury.
Product: Credit card or prepaid card

I allowed myself to be talked into replacing the roof of my townhouse in the start of calendar year XX/XX/XXXX.  The financing to cover it was a XXXX XXXX XXXX XXXX credit card. I assumed it was a fixed amount card as it expired in XX/XX/XXXX. At the start of the year I had over {$11000.00} to pay down and was able to get the debt under {$6000.00} before XX/XX/XXXX. When I received my XXXX statement, I was socked with an interest lump sum of {$4700.00} to inflate the debt to over {$10000.00}. I consulted my retirement account counselor who directed me to this website. The credit card in question is " XXXX XXXX XXXX XXXX '' and this financial division/group is already under scrutiny from the Consumer Finance Agency under Complaint ID XXXX ( the counselor perused this information and provided the Complaint ID ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX  ( Original Creditor : XXXX AT T ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a XXXX XXXX XXXX XXXX and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact Experian and it show on there Credit Report I let Experian know this account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.
Product: Credit reporting or other personal consumer reports

Ive received my investigation results in the mail and I disagree with the results on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating and character and I demand that these items be reinvestigated. 

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  According to 15 U.S.C. 1681i ( 5 ). XXXX did not update or modify my account according to 15 U.S.C. 1681i ( 5 ). I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I have uploaded a copy of my credit report showing multiple violations. Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : This is a violation of multiple laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Key Bank is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.
Product: Vehicle loan or lease

I have spoken with Flagship Credit on numerous occasions regarding their billing and their application of payments towards my loan. Their predatory methods are extremely distasteful. Ive been paying XXXX on a XXXX XXXX XXXX. The payoff currently is approximately {$34000.00} which is roughly more then when i even first purchased the vehicle. Ive been paying on the same vehicle since XXXX. The amount of late fees due to the company 1. ) not processing a due date change and 2. ) telling me the due date initially something different. Over 3 years of paying on a car and its no where near the value and also the unfair deceptive practices are despicable.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain.

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

There was a breach threw equifax that affected my credit report as well as my information being incorrect
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA