23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was behind on payments and I entered a deferement proposal with the company. After making my payment I was sent a new contract updating me that my next payment will not be until XX/XX/2023. Their website is showing that I am a day late with my payments. I contacted the company 3 times on XX/XX/2023 via phone and email. I uploaded the contract they sent to me back to them via email. I spoke to the customer service rep ( s ) and they told me as well that I was late 1 day and that they would not honor the contract given to me by their company. I spoke to another rep and she has the same contract that I have and it shows that my payment is not due until next month. They refuse to honor a contract that was given to me by their office which is a breach of contract.
Product: Credit reporting, credit repair services, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2500.00}
Product: Checking or savings account

Discovered on XX/XX/XXXX that someone ( probably a Pentagon Federal Credit Union member ) had " photoshopped '' a check I had sent in the mail to the IRS back in XX/XX/2022. They cashed a check for {$3000.00} on XX/XX/XXXX and placed in their account at PFCU. I went into the local office and they placed a hold on the money and initiated a fraud case against the perpertrator. On XX/XX/XXXX the perpetrator again " photoshopped '' the same account and stole {$4300.00} out of the same account. According to PFCU I can not talk to the Fraud department and after almost a month my money has not been returned to my account and the overdraft fees overturned.
Product: Checking or savings account

I paid for a money transfer service at XXXX for {$2400.00} which I was denied after customer service rep realized that we had no valid ID. But the money was already taken off my card. 

She advised me to contact my bank because she had reversed the transaction back to my bank and they had to decide when the money would be put back onto my debit card. 

My bank advised me to do a claim for the transaction and gave me a claim number # XXXX. They said the money would be available to me within 24 hours. 

The next day they said the claim was denied and I would have to provide the refund/reversal receipt that XXXX gave me. I faxed over the receipt immediately and waited till the next day. 

The next day I went into the branch and I was informed that my account was being closed, and they could not offer any reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX*has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/20 I bought a new car at XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX was offering a XXXX day no payment deal and was told this was what i was getting. Upon inspecting my first payment I discovered that I did not get the deal and it was changed to XXXX  days no payments. Ive visited the dealership several times and they have said everything that I actually do have XXXX days XXXX which is false ) to saying that XXXX wont tell them anything about my contract. When i call XXXX financial, they say that only the dealership can correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this to inform you that I have been a victim of indentity theft and I have no clue of who opened up all these accounts in my name and I want to have all these accounts that dont belong to me removed, and also this is hurting my credit score I cant even apply for credit due to these false accounts and wrong information these need to be removed or I will proceed in legal action because I didnt open none of these accounts!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX  was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, XXXX. And Transunion, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, XXXX, OR TRANSUNION, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX bank {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX XXXX XX/XX/year> {$XXXX}
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts and addresses on my credit reports that I did NOT BENEFIT FROM. INEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY AND PERMANENTLY! I have had my ex XXXX XXXX, and my sister, XXXX XXXX, both use my information over the past several years, causing financial harm to me.
Product: Mortgage

I am applying with New American Funding for a Pennsylvania FHA loan ( was actually approved ) and then was told that I needed to prove that my manufactured home was taxed as real property and did not have an active title with the DMV. This home was my parents since XXXX  and is being taxed as real property. The DMV sent my lawyer a certified letter that they do not keep Title records past 10 years. Before I bought this home from my parents estate, they had several mortgage loans ( I paid the final HELOC off when I purchased the property on XX/XX/XXXX ). They told me to contact a lawyer, which I did and was informed that my house is included in the tax assessment as real property. I paid to have a structural engineer to come out and he provided a report that my home is permanently affixed tot he property ( it has been since XXXX ). I have provided everything that they have asked for and they are still delaying my loan because the DMV says that there is no title on file ( they only keep title information for 10 years ). The house has been included on the property assessment since XXXX. I spent money on the appraisal, structural engineer and an electrician to upgrade to XXXX outlets in the kitchen and bathrooms. Their delay is now causing me financial hardship for no reason. I do not know what else to do.
Product: Debt collection

National Credit Adjusters has a negative inquire on my credit reports. I have no signed contract with the company. As per XXXX and XXXX, the account has been open since XX/XX/2019 for the amount of XXXX. I have no written, electronic, or verbal agreement with NCA. This collections report needs to be removed from my credit report ASAP as this debt is not mine. I have tried numerous times to remove the account but the credit reporting companies are failing me as a consumer.
Product: Vehicle loan or lease

I got my car from credit acceptance and the interest rate is ridiculous which is making it extremely hard to pay the car note down. The contract started on XX/XX/XXXX and the car note is {$520.00} for a XXXX XXXX XXXX with the original amount of {$34000.00}. Til this day XX/XX/XXXX I still owe {$13000.00}. The payout is {$10000.00} and the car isnt worth the amount. Interest rate of 22.9 %.
Product: Debt collection

left voice mail saying " XXXX '' and making continuous hang up calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency LexisNexis refuses to remove the bankruptcy erroneously reported.
Product: Credit card

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Im filing this complaint because Ive got several fraudulent accounts on my credit report that were opened as a result of identity theft after the XXXX data breach. These accounts never shouldve been reported and need to be removed immediately. 

The accounts in question are : XXXX XXXX Account Number : XXXX XXXX late payments ( 30 days past due ) XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX late payment ( 30 days past due ) XXXX XXXX Account Number : XXXX XXXX late payments ( 60 days past due ) XXXX XXXX Account Number : XXXX XXXX late payment ( 30 days past due ) XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX late payment ( 30 days past due ) XXXX XXXX XXXX Account Number : XXXX XXXX late payments ( XXXX days past due ) XXXX XXXX XXXX Account Number : XXXX XXXX late payments ( XXXX days past due ) XXXX XXXX XXXX Account Number : XXXX XXXX late payment ( 30 days past due ) XXXX XXXX XXXX Account Number : XXXX XXXX potentially negative months ( charge off ) XXXX XXXX XXXX Account Number : XXXX Collection account ( {$740.00} past due ) Under the Fair Credit Reporting Act ( FCRA ), credit agencies have a responsibility to make sure the information they report is accurate. These accounts are all fraudulent, and Ive already disputed them but nothing has been done. Ive also reported this identity theft to the Federal Trade Commission ( FTC ). These accounts shouldve been removed by now, but theyre still showing up, damaging my credit.
Product: Student loan

Multiple times I have attempted to pay down my student debt which is held by Navient, only to find that my attempts to pay did not work. The website did not correctly apply the amount I wanted to pay. This issue occurred more than XXXX times. I would be under the impression that I completed a payment and then I would go back a few months later to find that the payment did n't go through. The first time I assumed it was user error, but after that I was very careful about completing the process. XXXX further times, after making sure I completed everything the payment did not go through. A fellow student was having the same issues so we got in contact with a customer service representative and they were less than helpful, telling us it was obviously an issue on our part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.
Product: Checking or savings account

On XX/XX/XXXX, the bank mailed ck # XXXX in the amount of {$56.00} to the City for a utility payment. Which was cleared on XX/XX/XXXX, but not posted until XX/XX/XXXX. Then on XX/XX/XXXX they issued another payment for $ XXXXwithout my knowledge to the utility company. And did not post to my account, but returned the check to the utility department. The bank then charged my account {$5.00} insufficient funds with no explanation. They did refund the {$5.00} but now the utility company will charge me a {$25.00} returned check fee. When I called the bank and presented the evidence I had they kept putting me on hold. I have had problems with this bank before also. It is the banks fault my account became overdrawn and I feel they're trying to make me feel ignorant and that it was my fault.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX. These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have contacted Ford Motor Finance about the late payments they have submitted to the credit bureus. I explained that each paymnt has been made and that i have not missed a payment in the past 14 months. They keep reporting this account as Late. I have sent them proof these paymentd were made. the account is paid off.
Product: Mortgage

My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me.
Product: Student loan

I began the repaying my loans in XXXX, I began teaching in XXXX as well. 

I learned about the PSLF program in XXXX, I was sadly denied because I had the wrong loan type. 
I began paying in XXXX and never missed a month. 

I learned about the Waiver in XXXX of XXXX, I consolidated my loans into Direct loans with XXXX XXXX XXXX and verified my employment. I was well over the 120 payments at this point and was actually making payments during the pause. 

My loans transferred over to Mohela in XXXX, yet I still was never give credit for the payment I have made. 

My loans sat with Mohela with zero movement and no waiver being applied. 

I reached out to Mohela through Chat last week and was told I was denied by accident and they would push my form back through. 

The next day I received a payment tracker showing only 1 payment qualifies and told it will take 90 days for payments to update. 

My loans have beyond satisfied the PSLF program, I never missed a payment for 19years, yet my paperwork was lost and not applied.
Product: Credit reporting or other personal consumer reports

I recently disputed unautorized inquires in my consumer report maintained by ChexSystems, as provided under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b. 
After reviewing my consumer report & submitting a letter regarding the inquires being reported to my report. I have received a response stating that the inquires have been verified when in fact this could not have been the case. I have no affiliation with these companies, nor have I applied for any type of credit with them. 

I am requesting that ChexSystems conduct a thorough investigation into these disputed items in accordance with my rights under the FCRA. Pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I also request that you provide me with all relevant documentation and evidence pertaining to the disputed items within 30 days of receipt of this letter. 

Inquirer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A Part of XXXX XX/XX/XXXX XXXX XXXX A Part of XXXX XX/XX/XXXX XXXX XXXX A Part of XXXX XX/XX/XXXX XXXX XXXX A Part of XXXX XX/XX/XXXX XXXX XXXX A Part of XXXX XX/XX/XXXX Furthermore, I remind ChexSystems of its obligation under 15 U.S. Code 1681b to ensure the maximum possible accuracy of the information contained in my consumer report. It is imperative that any inaccuracies or errors be promptly corrected to prevent any adverse effects on my ability to access financial services. 

Please consider this letter as a formal request to investigate and correct the disputed items on my ChexSystems consumer report. I appreciate your prompt attention to this matter and look forward to receiving a written response within the statutory timeframe. 
Thank you for your cooperation in resolving this dispute.
Product: Vehicle loan or lease

I paid off my Auto loan and Wells Fargo sent me a title with misspell owner name and address on the auto title. XXXX told me unless this is corrected by Wells Fargo I do not own the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

As usual, XXXXXXXX XXXX XXXXXXXX is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact XXXX and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.
Product: Credit reporting

I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a XXXX, I was not able to get any of the reports online. I try to contact all 3 bureaus but non offer an online or telephone call to remove the XXXX, please help, they are killing me with denials due to unable to see my credit.
Product: Credit card or prepaid card

Good day. I purchased a refrigerator with a warranty at XXXX  's in XXXX XXXX Florida. on XX/XX/22 for a total amount of {$1000.00} ( this includes taxes and a 5 year warranty which was {$150.00} ). The fridge was returned on XX/XX/22, within the grace period as acknowledged by XXXX  's who issued the refund. I have a signed receipt to support this. However, XXXX  's only credited my account {$800.00}. I was under the impression that this was the full amount and also included a refund of the 5 year warranty for {$150.00}. This was not the case and I received a credit card statement in the mail in XXXX from Lowe  's / Synchrony Bank stating that my account was past due. It was unbeknownst to me that I had a balance on this account since I was under the impression that I was issued a full refund. I have called the company in an attempt to resolve this dispute. This was done on XX/XX/22. I spoke to XXXX XXXX XXXX XXXX  XXXX ). She said the company would investigate it. However, I am very concerned that it may not get resolved satisfactorily, which is why I am filing this complaint. Also it has impacted my credit. My XXXX went from XXXX  to XXXX. This is very detrimental to my financial life and I need your help to correct this. PLEASE HELP. My phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I found this item on my consumer report that isnt mine and should be removed. Filed FTC report. 

1. XXXX XXXX ( XXXX XXXX : XXXX ) Account # : XXXX Amount {$900.00}