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

I submitted a complaint XXXX  month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of XXXX cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and Equifax properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

THIS IS THE LAST REQUEST FOR SOMEONE IN YOUR PLACE OF BUSINESS TO READ THE BANK STATEMENTS SENT MANY TIMES TO YOUR BUSINESS. 

WHILE YOU THREATENED TO ACCELERATE MY LOAN XX/XX/XXXX, FOR YOUR COMPANY NOT ABLE TO FIND ACH PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX. 

THIS HAS CAUSED ME TO lose A JOB, MUCH XXXX AND MUCH WASTED TIME FOR YOUR INACCURACY OF MANAGING A HOME LOAN! 

ATTACHED AGAIN, IS MY XX/XX/XXXX AND XX/XX/XXXX WHICH PROVES AGAIN THE PAYMENT MADE TO YOUR COMPANY SETERUS , INC . SO I PAID YOU THE {$2000.00} YOU REQUESTED FOR OVERSITE OF MY PAYMENT! 

INSTEAD OF MENTIONING XX/XX/XXXX NON PAYMENT, HOW ABOUT YOU APPLY THE OVERAGE OF {$2000.00} SINCE MY BANK AND BANK STATEMENTS PROVE I PAID. 

{$2000.00} LESS {$1100.00} FOR XX/XX/XXXX LEAVES {$940.00} THE WAY I SEE IT! I OWE YOU NOTHING UNTIL YOU ADMIT OF YOUR MISTAKE LET ALONE THE HARDSHIP YOU PUT ME THROUGH FOR EIGHT MONTHS! 
MY MORTGAGE IS DUE ON OR BY THE XXXX OF EACH MONTH! SO I DONT OWE YOU NOTHING UNTIL YOU GET THIS FIXED! YOU ARE OVERPAID! 

NOW YOU WANT TO TALK ABOUT INTEREST FOR EIGHT MONTHS AND HARDSHIP YOU CAUSED? 

I HAD TO BORROW MONEY NOT NEEDED FOR YOUR MISTAKE. I HAVE CONTACTED XXXX LEGAL DEPT. LETTING THEM KNOW AND THEY HAVE TOLD ME SETERUS, INC HAS THE MONEY! SO THEY ARE INVOLVED NOW! 

FIX THE PROBLEM SINCE MY ACCOUNT IS OVERPAID AND MY STATEMENTS PROVE IT! DO NOT SEND ANY MORE THREATENING LETTERS UNTIL YOU FIX THIS PROBLEM AND STOP WASTING EVERYONE 'S TIME FOR YOUR MISTAKE! 

I SENT THESE STATEMENTS BACK IN XX/XX/XXXX AND YOU HAVE STUMBLED YOUR FEET WITH EVERY EXCUSE WAITING TO GET MONEY NOT NEEDED! 

I DO NOT WANT TO HEAR NO EXCUSE WHEN YOUR PRYOR LETTER THROUGH CFPB SITE INDICATES THE {$2000.00} WAS FOR XX/XX/XXXX AND XX/XX/XXXX WHICH SETERUS COULD NOT FIND. 

FOR THE RECORD, YOU WILL GET NO MORE BANK STATEMENTS WHEN MY BANK PROVES TO ME THE ACH WENT THROUGH. MY STATEMENT IS MY PERSONAL BUSINESS! 

MY CONTRACT READS I HAVE TO PAY MY MORTGAGE, BUT IT DOES NOT READ I HAVE TO OVERPAY A SERVICE PROVIDER WHEN THEY CANT FIND ACH PAYMENTS! FIX IT! 

XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT? 
XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT?
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with XXXX XXXX XXXX XXXXXX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during COVID and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The XXXX XXXX was signed into XXXX to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers. 
As a result of their violation of the CARES ACT my XXXX XXXX has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and Transunion. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital XXXX agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if XXXX XXXX Agrees?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing
Product: Mortgage

In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.
Product: Vehicle loan or lease

On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. 

I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. 

When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. 

Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. 
Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. 

This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...
Product: Credit card

I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.
Product: Debt collection

They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people.
Product: Credit card or prepaid card

I had a XXXX XXXX card with automatic payments set up. Charged a purchase in XX/XX/2022, then the XXXX XXXX card was moved to barclays bank and they removed my automatic payment selection on the card. 

This caused my card to to past due, damaging my credit, and charging me late fees. I've since paid off the original balance and was told by Barclays that they would waive the fees and interest. But each month they promise to waive the fees and assure me it's resolved, then I get another late fee charged the next month. This has happened 3 times already and now they've just refused to resolve it.
Product: Debt collection

Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, this is evidently a company I did not have a contractual relationship with. How are they claiming I owe them a debt?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX and XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$780.00} please remove addresses : I never lived in XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX or I never lived in XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

On XX/XX/XXXX, when logging in to view my Citi XXXX XXXX, I noticed XXXX unauthorized charges made in XXXX. Although I was in XXXX from XX/XX/XXXX through XX/XX/XXXX, I did not notice these charges on my account until I was back home. The XXXX unauthorized charges were made on XX/XX/year>. 
The charges were : XXXXXXXX XXXX  XXXX : {$37.00} XXXXXXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX : {$15.00} XXXX XXXX : {$58.00} XXXX XXXX : {$69.00} I double-checked and triple-checked my receipts, and none of the receipts show that I made any purchases at these locations on XX/XX/XXXX. I did not make any purchases that day in XXXX. My credit card was still in my possession, so I believed that my card was skimmed or my information was taken when I handed my card to servers during my time between XX/XX/XXXX and XX/XX/XXXX. Upon noticing the unauthorized charges, I submitted an online fraud dispute and canceled my credit card to request a new one. I contacted the Citi XXXX XXXX on XX/XX/XXXX to answer the questions that they had for me and provided all the information that I was able to provide. 

On XX/XX/XXXX, I received a notice that Citi denied my fraud request and asked me to review my transaction history to see if the merchant had already posted credit for the transactions, which they had not. I am seeking help to get Citi to reverse these fraudulent unauthorized credit card charges. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit card

I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount.
Product: Mortgage

I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. 
I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. 
On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. 
I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. 
It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaints involve several issues which I am describing here. 

1. The first time I disputed a report on my account, I was asked all verification questions by the customer service rep named XXXX or XXXX. After I have been fully verified, she took the information about my dispute with XXXX XXXX reporting me as current, but had a note that included that I am in forbearance agreement. Prior to the Cares Act, I had never been in forbearance agreement. 
I had brought my account current on XX/XX/2020 but the report still shows I am in forbearance. Ten days after the information was taken by XXXX, I received a letter yesterday telling me that I have to submit all sorts of information to verify. I does not provide an email so I can do it expeditiously, or at its secured message website. Although I understand about protecting my credit, etc. I was already fully verified by XXXX as noted before. Now, Equifax can not be contacted by phone, it goes around in circles and directs callers to its website. Its website does the same thing. After taking some information, it does not let you continue. In short, Equifax seems to be not taking any dispute because phone calls do now work, its website also does not allow you to complete filing a complaint. 
2. The second issue involves Equifax selling my credit information to third party inquirers that I have not contacted. Specifically, I see a hard inquiry from XXXX XXXX but it shows that it was Equifax Mortgage services that provided the information to XXXX XXXX. 3. Equifax still shows the filing by XXXX XXXX XXXX of debt that shows it is already paid. I do not understand why Equifax still shows it under debt collection when it has been paid more than a month before the last Equifax report of XX/XX/2020. 
4. Just a week ago, the website does not allow to complete filing a dispute. It also does not provide the credit report even though it states that it is providing free credit reports for a certain number and times and period.
Product: Debt collection

I understand I had an appt that was not completely covered by insurance. Then the covid came along and messed everything up. Is there a helper I can apply for? Everything else is helped because of covid ... ... so .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed and delivered a hand written direct dispute to Transunion credit bureau on XX/XX/2021. In said letter, I informed Transunion that I would not accept their generic E-OSCAR system for a response. Low and behold, I received a generic response. Transunion understands they must send any documentation that will support what debt they have found to be accurate. I was not given any documents. Only the paper from Transunion that says the debt has been verified. Subsequently, I still have three items on my credit report that didnt get removed. Automatically, with me being XXXX XXXX that is the response they give us which is biased.
Product: Credit reporting or other personal consumer reports

This account is inaccurate and false. 
Account opened XX/XX/XXXX Amount- {$450.00} correspondence has been sent to Credit unions and capital XXXX dates are listed above. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I requested copies of the application or identification that was received to process application, I have not received anything. 


I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXX. 
XXXX. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter. 


I trust this letter finds you well. I am writing to bring to your attention certain inconsistencies that have appeared on my credit report, which, to my belief, are having a negative impact on my credit score. This, in turn, is leading to elevated interest rates that significantly increase my financial burden. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand it is my right to challenge incorrect information on my credit report and your responsibility to verify the accuracy of these details upon dispute. 

Below are the items on my credit report that I dispute for their accuracy : XXXX. XXXX XXXX XXXX. 
XXXX. 

I kindly request you to conduct an investigation into these disputed items as required by FCRA 611 ( 15 U.S.C. 1681i ). Once the investigation is complete, could you please provide me with the results, and if any changes have been made, an updated copy of my credit report? I would prefer the communication be sent via postal mail. 

I appreciate your prompt attention to this matter. By ensuring the accuracy and validity of my credit report, we can maintain the integrity of the credit reporting system that affects many aspects of our daily lives. 

Thank you for your assistance in this matter.