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

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, XXXX  and Transunion and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, XXXX and Transunion they have yet to respond in our favor
Product: Consumer Loan

I was trying to set up my uber partner app to only do uberXXXX deliveries. I clearly hit to use my own vehicle and as I was scrolling through and entered my address the next thing I see Is that an inquiry was made on my profile from XCHANGE LEASE LLC. I contacted Uber and told them that something was wrong with the app and it somehow selected I was interested in leasing a car when I was n't and it ran a credit inquiry on me which I did not consent to. I sent screenshots of this ( also will be attached to this complaint ) and also told them to go into my account and try it themselves as it will still direct you to the same page. They did n't care told me they could n't help me and to contact XCHANGE LEASE. I contacted XCHANGE LEASE and was told I did consent to it, ignoring all screen shots and proof I was n't looking for a lease. I am even more than happy to let them try it themselves or to make a video showing the error. I want this credit inquiry removed immediately.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Student loan

THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not sign a contract with this company or gave them authorization to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company but to no avail. They have failed to return my calls or emails.

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the XXXX  app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.
Product: Credit card or prepaid card

On XX/XX/2023, I mistakenly made a duplicate monthly premium payment of {$1800.00} to XXXX XXXX using my Costco Anywhere Visa by Citi Bank ( " CAV '' ). Upon realizing the error, I called XXXX. They advised me to stop the duplicated payment through Citibank. Citibank said I had to put the transaction in dispute. I immediately called Citibank and placed the issue in dispute. 

Not knowing this would be a protracted process. On XX/XX/2023, I decided to take the transaction out of the dispute. Just because the next month 's premium to XXXX would have been due on XX/XX/2023. 

I thought by removing the dispute would allow the forwarding of the {$1800.00} payment to XXXX, and that will be it. On XX/XX/2023, XXXX notified me that the remittance for XXXXXXXX XXXX premium was outstanding. I followed up with a call to Citibank to see what happened to the payment I took out of the dispute. They said that the funds were released to a " XXXX account '' and that XXXX " simply '' had to retrieve the funds from that account. And, there was nothing else Citibank could do. XXXX has no record of receiving the payment from Citibank. 

From the conversations that I have been privy to with Citibank and XXXX : it appears to be a flaw in the Citibank Dispute Process : When a dispute is settled or canceled, the " CHARGEBACK '' is released to the vendor 's bank, and there are no identifiers ( account number, customer name, etc.. ) as to which customer account the payment is should be credited to. So the funds just go to some sort of miscellaneous account and not to the Customer 's account. 

Citibank 's fiduciary relationship with me is to ensure that payments made on my behalf through their banking system on my behalf have all the identifiers needed by the receiving entity to process the payment. 

Citibank has refused to credit me the {$1800.00} that I paid to XXXX via CAV card but was not received by XXXX. 

As a duplicitous ploy, to muddy the waters, Citibank credited me the second payment of {$1800.00} on XX/XX/2023 when I said I wanted to reinstate the dispute. My intent in reinstating the dispute was an attempt to receive credit for the outstanding {$1800.00}. 

PLEASE CONTACT ME IF YOU HAVE ANY QUESTIONS OR CONCERNS. MY CONTACT INFO IS : XXXX Sincerely, XXXX XXXX
Product: Mortgage

We signed up our construction loan with Citizens One Bank on XX/XX/2020. It was one year and interest only loan. During this time, we paid all our construction loan interest payments in the timely manner. As everyone is aware of the national and international shortage of material/resources such as lumbar, appliances etc. Our house construction was also heavily hit by these problems, resulting in delays several times. During our construction we rant into issues such as 1 ) Crew had XXXX  for several days/weeks and the construction was halted 2 ) Lumbar shortage hit during peak XXXX times and our builder was not able to procure material despite his best effort 3 ) lastly, electrical post that provide electricity at the house was also unavailable due to which our builder could not go forward with the construction as a lot of things are weather dependent such as flooring etc.

List above are some of the reasons we tried to explain to the bank and requested for extension past our 1 year period. However, bank still choose to slap us with XXXX for 3 months extension last month. I am here requesting to waive off this penalty give the circumstance not just in XXXX but also worldwide. It's already hard enough to continue to pay high interest to bank for several extra months as well as pay additional to builder higher markups on the material. banks continue to profit, while banks are allowed to take advantage of their customers during COVID during this unprecedented time. I am hoping that we will be able to get some help on this matter. 

Below are our account details so things can be verified. Please do let us know if there is any other documentation needed from our end. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX year XXXX  and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company Sunbit Inc. continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX  as well as Sunbit INC. are reporting two different company names. Which has me totally confused.
Product: Credit card or prepaid card

I have a credit card with Synchrony Bank. It is XXXX XXXX   card. I received a letter that they have closed my account because they received information from XXXX XXXX stating my credit score had fallen. I did not owe any money on my card. I've always paid on time, and even paid before the promotional period ran out. If my credit score is so bad why did they leave the other accounts that I have with them open, ( XXXX  and Walmart )?? I didn't even apply for a credit limit increase or any new credit, so there would have been no reason for Synchrony to run my credit report anyway. I tried to call them and keep getting the run around. After reviewing the complaints that have been made by so many other consumers, I believe that Synchrony is working with XXXX XXXX  to lower consumers credit scores so that they can be charged extra money for interest rate.
Product: Credit card or prepaid card

This complaint is about Amex knowingly not making a payment to XXXX after their advised 30 day policy per their Fraud XXXX. I confirmed to Amex {$1700.00} XXXX transaction made on XXXX was valid. Amex Fraud Dept Team sent me a letter via Secure Message on XXXX confirming that the transaction is no longer in question and Dispute Reference Number : XXXX was closed. First I was told to wait 3-4 days for them to pay XXXX, then 1 week, then 2 weeks, then 1 month and TODAY they ask me to wait 1 more month. Their " rigid protocol and bank policies '' CHANGE everytime I call. From general customer service to supervisor, nobody know nothing every time I call and ask me to wait and wait to then have call back later and give me a different excuse and provide me with more lies about a new " protocol '' they have. At this point they have given a different protocol for the past 30 days I have called different days. 

The only thing Amex needs to do is to pay back to XXXX and they refuse to due to their " protocols '', which change every single time I call them to follow up. I have waited all the time they mentioned and done everything they've advised me, which were all lies from them confirmed by themselves. They have recorded calls. They keep making different excuses every time and blatantly continue to lie to me about everything despite I filed a Customer Service complaint to them about their employees ( general customer service, fraud team and supervisors ) lying to customers like me to get off of their responsibilities. Then they get mad at me and continue to lie to me when I tell them all the lies they have given me and they become speechless and do nothing. Last week, XXXX, Fraud Dept agent XXXX gave their number XXXX and advised me " this was an unusual situation and that Amex should've paid XXXX long ago, that it was most probably a mistake from Amex was done in this process and they ALL have overlooked it '', his words. He advised he was in charge now of handling those type of XXXX cases and it was not okay on Amex end. Today XXXX, Amex Fraud Dept XXXX advised me they have " initiated the process to pay back XXXX but didn't knew what was taking so long '' and proceeded to give more excuses. When ALL previous reps have advised me that Amex had already PAID XXXX. 

The complaint ID # I submitted with Amex last month XX/XX/2021 for them lying to me is XXXX - The rep could not even/not wanted to spell her name ( something Samalia I don't know ). She advised another lie that everything should be resolved by the end of XXXX and that I was going to receive a letter. None happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Complaint Closed accounts are being re-reported thus extending the 7 year timeframe for removal. 
They are stating credit debts now remain on your credit for 10 years instead of 7 and refusing to remove the closed accounts that are 7or more years old Refuse to allow one to speak to an " American '' supervisor who understands the how US mortgages, XXXX XXXX XXXX XXXX XXXX  bankruptcy and standard federal credit reporting law. 
Called several times between XXXX XX/XX/XXXX to report discharge of XXXX XXXX debts. They refused to update information with correct states. Instead they re-reported all closed accounts making them current and affecting my score. 
XX/XX/XXXX called to advise my credit score was XXXX XXXX less than the other 2 bureaus and the information was the same on all 3. They advised that 1 account closed in XXXX was the reason ( absolutely does not make sense ). 
I advised them it began when I was seeking mortgage in XX/XX/XXXX and the Equifax credit score was 20+ points different from the others. Now it is XXXX points and I have not had a delinquent account or missed payment since XXXX and I have not collection accounts at all. 
They provide my creditors with the following statements -severe delinquency ( no delinquencies at all ) -mostly pays on time ( only 1 missed pay due to covid in XX/XX/XXXX on 1 account ) - several collection items ( I have none ) I am also part of their class action and I feel this is retaliation.
Product: Credit card or prepaid card

On XX/XX/2019 I was approved for a Capital One Quicksilver credit card. Per their advertisement on the Capitalone.com website, a one time sign up bonus would be available to new card member ( s ) if you spend {$500.00} within ( 3 ) months of when the card was issued. As of XX/XX/2019 I had spent over the required amount of {$500.00} within the provided ( 3 ) month time frame. When calling Capital One to inquire on the sign up bonus after meeting the advertised requirement ( s ), I was advised that per their disclosure, previous or existing account holders maXXXX not qualify for the sign up bonus. I advised that I have never had a Quicksilver credit card before, and should be entitled to the sign up bonus as advertised. After a ( 5 ) day waiting period, I was called and advised that because I had a different Capital One card, that is being considered as an existing account holder. The Capital One Platinum card does not have any sign up bonus ( s ) or rewards associated with it, it is a completely separate entity. I advised that their disclosure states, previous or existing account holders under the Quicksilver terms, which would mean previous or existing account holders of a Quicksilver card/account, and no where in the terms for my Capital One Platinum card does it say that accounts will be linked, or having the Platinum card will deny me any future bonus ( s ) with the company. I feel mislead by the company into signing up for their Quicksilver card with miss-representation of their term ( s ) and the company is using the fact that I have a completely different card with separate terms as a way to not have to honor their advertisement.
Product: Payday loan, title loan, personal loan, or advance loan

I didnt pull this loan. I have filed a police report with XXXX Police Department in regards to this loan.
Product: Credit card or prepaid card

Chase Credit Card, Southwest Rapid Rewards Card.

Autopay was set up with the correct banking numbers and each month, there was no letter sent saying the credit card payment was not received. After about 6 months, all of the sudden I was charged for 6 months worth of payments at one time because the " bank and Chase '' were not talking. Then suddenly, the autopay payments kept being returned and kept charging me a return fee. I ended up calling and getting some fees taking care of as I was trying to pay. I put in the exact same banking information and set up a " different '' autopay account which paid the fees. I closed the credit card and then a month later got a charge for {$4.00} AFTER THE ACCOUNT HAD BEEN CLOSED. When I called, they informed me it was the difference of a credit for the return fee and a new fee. I asked how exactly can I pay them as they would not accept a credit/debit card, it would be too late for them to mail me a statement, and the account number they use for my bank keeps causing issues ( even though it has been verified multiple times ).

This credit card company CAUSED MY CREDIT SCORE TO BE NEGATIVELY IMPACTED THROUGH AND BY NO FAULT OF MY OWN. Although I had attempted to pay my balance multiple times, I was not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Company complaint with Amerihome Mortgage. 

I am selling my house and my payoff statement is off by an excess amount of at least {$2100.00}. I have called in several times and sent several messages to customer service with no response. I need a resolution ASAP! I furloughed my mortgage during Covid last year for 4 months. The PRINCIPLE and interest of the four month furloughed, was added on to the back of the loan as ADDITIONAL principle. The principle of that payment should not have been added in as additional principle. That would be paying the principle twice! The principle of those payments was XXXX ( loan statement provided ). So four months of XXXX is at least {$760.00} of principle furloughed that was added on as additional principle! Also, in 2020, our residential taxes changed from {$4000.00} to {$2300.00}. Our escrow account was at least {$250.00} higher than it should have been for each of the 4 payments, so there is an excess of at least {$1000.00} in escrow that was furloughed that was added on to my principle balance.- to further this, our account last year had an excess amount and we received a refund of only {$120.00} at the end of the year. So the escrow that was held in these payments shouldve been paid back.-I also found it strange that we only were paid back {$120.00} from escrow if our taxes were lowered {$2000.00} ... were did the rest of the escrow overage go? I have provided documents and statements. To show the number that needs to be corrected. The total overage is at least {$2100.00}. The payoff should be at least {$2100.00}. less. We are closing on our home sale on XX/XX/XXXX and I need this payoff statement corrected ASAP!
Product: Credit reporting or other personal consumer reports

Removal and Block XXXX  and Everything that has XXXX  Connected to it Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misrepresenting its name ... changing its name to cause harassment and updating credit report with Misrepresentation Information across the credit Bureaus Experian.. XXXX and XXXX 

Adding misrepresentation information to credit utilization..amount owed... 
Debt Balances ..Credit Score... 
Causing consumer to be unable to obtain credit... 

Sending Fraud letters of Harassment after being asked to Stop... 
Harassing phone calls and Derogatory behavior... 
Selling the account and refusing to zero balances ... while trying to collect under fraudulent names ... .and scams. 

Fraud Total Balance on Revolving Utilization and Open Ended Accounts. 

Fraud Revolving Utilization Accounts with Balances Fraud .... 

XXXX has caused significant damage to my credit report.. 

Please remove and fix Credit Report So my XXXX original score can be back as originally before their Fraud and Misrepresentation ....
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.