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

We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX  sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 an account without my written instructions.
Product: Consumer Loan

I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.
Product: Debt collection

I received a collection letter from American Coradius International LLC ( ACI ) stating that I owe XXXX {$480.00}. As of today I have a XXXX balance in my XXXX account. I called ACI to discuss the letter but my call was dropped before I could speak with a representative. I called XXXX and informed them of the letter and XXXX is investigating after confirming I owe XXXX no money.
Product: Checking or savings account

Im constantly getting overdraft fees when I have money in my account.. crazy thing is, Im not even buying anything that would make me go into the negatives I have no subscriptions no nothing. This has been going on for a week.
Product: Consumer Loan

XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CLARK COUNTY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}
Product: Mortgage

I am in danger of losing my house to foreclosure because my bank has refused to negotiate in good faith and offer reasonable options to resolve the matter. I had no problem making my regular mortgage payment until Covid hit my county and I lost my job because the roofing company I worked for did not have any business. This was in early XXXX, and I scraped together what I could to continue making my payment and even drained my XXXX. Eventually I was out of money and I tried to get Select Portfolio Servicing to help me because of my Covid income loss. When I spoke with their agents they did not offer me the CARES forbearance, instead they told me I had to fill out the Covid relief package. I filled it out and sent it in fed ex and the tracking system showed it was received but SPS said they never got it. That was the beginning of a 2 year debacle with them that has led me into foreclosure. 

I work as a XXXX  XXXX for a large commercial roofing company and make a solid living. I first ran into problems with SPS in XXXX when I received a notice that I was 60 days behind, even though I sent a cashiers check by XXXX XXXX to SPSto take care of the mortgage payment for over a year but somehow multiple payments were misplaced even though I had a tracking receipt that showed they DID receive the payment. I was able to track through my bank and saw that they never deposited the cashiers checks so I had them voided and caught up but this was concerning. Then the pandemic hit and my company lost basically all of our business and they had to let me go. I did my best to keep up but when I could no longer make the payments and asked for help I did not know that there was a CARES forbearance offered by the government to help borrowers in my situation. Instead their agents told me they would send me out the Covid relief package. I quickly got the paperwork together and sent it back and then I followed up with them XXXX weeks later to follow up but theagents said sorry, we dont have anything with your name on it. However I had the tracking receipt that showed that it WAS received by SPS. So I sent it again also fed ex and again I was told the same thing. It was never received, even though the tracking says it was received and signed for. 

I continued to try and work with them while out pounding the pavement looking for a job every day but could not make any progress with SPS for months. Eventually I found a new job and was back on my feet and wanted to try and resume making mortgage payments and was told that the relationship manager would call me back to discuss my case. Well this never happened, and when I tried to make a mortgage payment I was told they would not accept anything less than the full past due amount. I was so frustrated I hired a company to help me apply for a modification with SPS and they told me they submitted the paperwork and SPS would not review my information and there were no options to resolve this matter.
Product: Bank account or service

On XXXX XXXX 2016, I opened a Citigold checking account with the promotion code XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
Requirements were completed on XXXX/XXXX/2016. To note that this date was confirmed by phone by a Customer Care Representative which did not inform me of any technical difficulty and assured me I would have received my miles within 90 days. No other kind of communication was received from Citi regarding any kind of delay or technical issue, therefore I assumed that the miles would have been credited within the stated 90 days. On XXXX/XXXX/2016 the 90 days had passed although the miles were not credited yet. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. ". 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember, I am over XXXX years of age, and I had never held a consumer checking account with Citibank before.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an inaccurate collection account with XXXX XXXX XXXX on my Experian credit report. This account should not be on my report as XXXX conducted an investigation and removed it from my credit file after they could not verify its legitimacy. 

Despite my dispute, Experian refused to remove the account and did not provide proper validation or documentation proving the debt belongs to me. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide actual proof of the debts validity. 

I am requesting that the CFPB investigate Experians failure to properly verify this account and require them to either provide documented proof of verification or delete the account from my credit report. 

Attached are my dispute results from Experian ( denial ) and XXXX ( deletion ), proving the inconsistencies in Experians reporting.
Product: Mortgage

I have been in on-going contract with NewRez, Shell Point Mortgage XXXX I provided all my documentations to the servicer and was approved for their forbearance plan deferring the amount on the back end of the loan. I requested for an addition 3 months of forbearance plan as well back around XXXX of 2024, which would allow me to have no credit reporting until XXXX of 2024. According to the Fannie Mae guidelines, I am eligible to be approved for the additional 3 months of forbearance to not have any credit reporting. As I was providing documents to the servicer, and have a notary schedule to meet with me to sign the new agreement plan. I can not resume payment until the new agreement plan is signed and notarized therefore I can not make the payments and I was told that it would all be rolled up into the deferral amount. NewRez, ShellPoint Mortgage reported that I was late on XXXX and XX/XX/year>2024 's payment. In XXXX and XXXX, payment while I can not resume payment until the agreement was completed. 

I provided the guideline plans for reference.
Product: Credit reporting or other personal consumer reports

I sent a request for company to verify information of debt owed & sufficient evidence was not sent back
Product: Credit card or prepaid card

I went into a kohls Department store XXXX XXXX, IL like I have plenty of times. The associate asked me actually she was very persistent for me to apply for a Kohl 's charge card.When I filled out the application just some most was on the keypad I did request the protection. Like I do with other credit cards. This was a short but very memorable credit account. Kohl 's credit department called me constantly even before a payment was due. I felt alone in this account because upon approval I didnt receive contact information or payment information. So, I begin to have financial problems of course I couldn't pay my Kohls account but could make some type of payment. All my inquiries for help was denied. No assistant or other payment options were offered. I ask if some late fees can be removed when I make a payment she told me 1 or 2 but my account charged 6 late charged at that point. I have credit cards currently and all offer some type of payment options even if your not in the protection plan. Then kohls credit department stopped calling me and collecting on this account. So I called and talked to a collection manager, she stated the account has been closed. So, I was puzzled of course. Asking her what can I do to pay or set arrangements. She stated nothing can be done at this point. Kohls credit department did not call me or notify me about closing my account. Actually they told me that in my account information " ( do not contact '' ) is listed. I never ask kohls credit department not to contact me. I think something is not right with this account is seem like they opened the account just to have it closed.
Product: Credit reporting or other personal consumer reports

I was stunned when I discovered incorrect accounts on my credit report earlier today, and Im at a loss as to how this happened. Ive been checking my report as I normally do, but this time, unexpected errors showed up. I tried refreshing my browser to see if it was just a technical problem, but that didnt fix anything. Given the circumstances, Im requesting a thorough examination of the documents Ive sent to ensure this issue is resolved, so I dont have to keep worrying about it.
Product: Credit reporting or other personal consumer reports

I have placed a dispute with this creditor XXXX XXXX, Transunion, and XXXX in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and Transunion and XXXX failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. Transunion and XXXX have not been properly investigating.
Product: Credit card

The card always paid in full. I feel due to the fact that I am responsible and pay the credit card off as soon as there is a balance, I was targeted as a " bad consumer '' for the credit card company ( Synchrony Bank ) - Sams Club Credit Card due to paying off the card monthly and even before due.
Product: Money transfer, virtual currency, or money service

When I opened my account on XX/XX/XXXX they instantly block my account for review until XX/XX/XXXX but they continue lock it, after more 40 calls and a month passed they still my account under review and I request for my refund but they don't want to do anything about it, I fill a bank complaint but they said days has gone for it, this is not my fault because Coinbase.com gave me date to open my account and they keep me waiting for an email, but I just receive emails for more questions or same, i don't want their services I'm fustrated and i'm shirt looking for my refund.
Product: Checking or savings account

1. Incident Details ( 1 ) Date & Time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( XXXX ) Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$4900.00} ( XXXX x {$100.00} bills ) ( XXXX ) Card Used : Wisely debit card XXXX. Sequence of Events ( XXXX ) First deposit attempt on ATM # XXXX : Unsuccessful, all cash returned. 
( XXXX ) Second attempt on ATM # 2 : Deposit canceled, {$500.00} retained by ATM. 
( XXXX ) Immediately contacted XXXX XXXX XXXX XXXX : No assistance provided. 
( 4 ) Contacted Wisely Customer Service : No deposit record found, unable to help. 

XXXX. Follow-up ( XX/XX/year> ) ( XXXX ) Visited nearby XXXX XXXX XXXX Staff unable to assist as I'm not a XXXX customer XXXX 
( 2 ) Contacted Wisely Customer Service again : Refused to file investigation due to lack of deposit record. 

XXXX. Unresolved Issues ( XXXX ) {$500.00} cash retained by XXXX ATM. 
( XXXX ) Both XXXX and Wisely unable or unwilling to resolve the issue. 
( XXXX ) No investigation initiated by either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

visited TransUnion website on XX/XX/XXXX to put a freeze on my credit checks. Website asked for my personal information including a credit card. I checked the boxes indicating that I wished to freeze my credit checking for both TransUnion and XXXX. Never was there a quoted price for doing this ; however I then received an email stating that I had made a payment for {$19.00} to TransUnion and had signed up to their monthly service. I attempted to call them to resolve this but ending up spending XXXX minutes on hold and never speaking with anyone. Called them again on XX/XX/XXXX and still can not get through. I will be contacting XXXX XXXX and disputing this charge.
Product: Mortgage

I mailed Mortgage payment On Thursday XX/XX/XXXX and Used the United States certified express mail with a signed return receipt. I still do not see my payment posted to my account. The I called PHH because XXXX switched their name and it's the same horrible service, I am sitting on hold for 30 Minutes to be told by Operator number XXXX who has no first name that PHH will be doing a trace to see who cashed my payments. Then after this wait I was told that the escalation team will return my call. I asked the young lady again for her first name and she replied it " XXXX ''. Not sure if that's accurate but look at my first payment. This is crazy. I don't see anything on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX on my credit report back in XXXX of 2021. I disputed with XXXX, Equifax, and XXXX. I disputed it with XXXX. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX and mailed them back. The issue is still not resolved. I have done everything that Consumer Finance and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with Consumer Finance, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX 2. Collection- XXXX XXXX. Collection- XXXX 4. XXXX XXXX 5. AXXXX XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX XXXX Inquiry 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XXXX XX/XX/XXXX 5. XXXX XXXX XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXXL XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 crime which antedates the report by more than 7 years
Product: Money transfer, virtual currency, or money service

PayPal makes duplicate charges on my method of payment card after online transactions. Paypal authorization hold remains on account despite transactions posted and cleared. Paypal is double dipping by withdrawing the transaction amount while simultaneously placing an indefinite authorization hold on my available funds essentially freexing my account and sitting on my money. This is all in concert with XXXX purchases and XXXX XXXX XXXX checking account and credit cards.
Product: Debt collection

Company attempting to collect zombie debt that has dropped off of report. Company has called repeatedly every day, is calling my husband, my mother and possibly more family members. Company leaves no voicemails. This debt is over 7 years old and is no longer on my report, yet the phone calls have only increased in the months leading up to 7 years. This is unacceptable.
Product: Debt collection

I KNOW NO COMPANY OF XXXX XXXX, I NEVER LIVED IN XXXX AS LISTED AS AN ADDRESS ON MY CREDIT REPORT, I AM A VICTIM OF ID THEFT AND XXXX CREDIT CARD WAS DUPLICATED IN XXXX, XXXX, THEN TO XXXX XXXX, I FILED A REPORT WITH MY LOCAL POLICE DEPART, THE FEDERL TRADE COMMISSION, XXXX, A ID THEFT AFFIDAVIT ... THERE ARE MANY THINGS ON MY CREDIT REPORT THAT WERE COMPROMISED OR DO NOT BELONG TO ME AS MY RESPONSIBILITY ... .SOMEONE HAS MY SS # AND HAS TRIED ONLINE TO OBTAIN CREDIT CARDS I ALREADT POSESS, I HAVE SAVE ALL DENIED LETTERS FROM MERCHANTS AS I ALREADY POSESS THESE CARDS THAT 'S THE REASON FOR ALL THESES BOGUS INQUIRIES PRIOR TO MY FREEZING ALL AGENCIES ... FEEL FREE TO CALL ME @ XXXX
Product: Credit card or prepaid card

I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.