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

This company charges a mandatory tip every time you take out a loan. On top of that you have to also tip the person funding the loan or wont get approved. There was never any option to turn off Tips yet now that theyre doing this large system upgrade all of a sudden we can turn off Tips seems very fishy to me. This update has been taking place for the last month then I do more research and find out theyre being sued for this thing so I dont know what theyre trying to cover up with this update, but I know that Ive never had an option to turn off tips and I always had to pay double tip to the person funding the loan and mandatory tip to SoLo. I am seeking to take legal action. Ive spent hundreds of dollars in mandatory tips all to find out this has been illegal from the start. Its like their whole customer service team went XXXX because you cant even get anybody to answer any questions about anything my bank information and everything is still on file with no way of deleting anything. These people have access to my Social Security number my bank information and I dont feel safe, knowing that they have been practicing illegal practices, and now I am stuck with not being able to information from their system because no one calls you theres no way to contact anyone from this place. They also create this credit scoring system called a solo score to determine how much youre able to borrow yet theyre not a credit bureau so thats confusing to me that theyre allowed to do that.
Product: Mortgage

My Mortgage loan was sold to FIFTH THIRD BANK from XXXX my first payment with XXXX was XXXX XX/XX/2022 I tried to open an online account with XXXX however their system would not let me I was ask questions before it would let open it like do you have your loan documents and how much was in your escrow account are how much the original loan amount was etc. I answered the questions and was locked out and told to call XXXX when I called i was given a number and transferred to an automated system and I entered the number and was told it was invalid I called backed and was told by a rep name XXXX she could not get a supervisor to help me had to make an alternative payment and still do not have an online account it should be this hard to open an account and I worry they may try and take my home after what loan servicers have done in the past getting bonus es to take people 's homes and lying about loam document etc.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXXXXXX - {$6800.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$1400.00} XXXX  - XXXX - {$2400.00} XXXX - XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting

The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to login to the Equifax website to access my account. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/XXXX around XXXX PST and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service '' I received an email from Equifax on XX/XX/XXXX ( see attachment ) stating that the issue had been resolved. However, the problem persists ( see website screenshot attachment ). 

This is my 3rd complaint, Equifiax does not address the matter but merely responds with a generic response that does not address the issue.
Product: Credit card or prepaid card

My name is XXXX XXXX I am a former amex  XXXX of 6 years and was separated from the company in XXXX. 

I am currently in the interview process for a XXXX role that seems to be held up in the HR ecosphere. 

Additionally I took all the knowledge I learned while at AMEX and started a small business just as we are instructed to do : ) XXXX XXXX XXXX is a XXXX XXXX Studio located in XXXX XXXX XXXX. Last year -Opening in XXXX of XXXX during the pandemic we did XXXX in revenue in just 3 months of XXXX. In XXXX - we grossed {$54000.00} all reinvested into the business. This year we are on track to do XXXX which puts our growth margins just under 20 %. 

My dream was always to have an Amex card- I would be jealous of colleagues that would pay with them in the cafeteria of XXXX XXXX XXXX XXXX. So when I received an offer for the business platinum card, I was in awe. This was the XXXXXXXX XXXX XXXX XXXXXXXX. 

At the same time I applied for my small business platinum card utilizing my business EIN guaranteed by my personal income, I also applied for a personal card. 

As a XXXX card holder since XXXX I had always wondered why that card limit never increased above XXXX but I continued to hold the card because of its value. 

Today after XXXX hour and XXXX minutes on the telephone- I was told by underwriting, and XXXX XXXX my SMALL BUSINESS platinum card ending in XXXX is only pulling my PERSONAL credit. And that the XXXX action on my account to suddenly enforce a limit of XXXX while Have an XXXX limit could not be changed. 

As a small business customer care professional- I would always transfer customers to credit that had an XXXX XXXX to have 1 time charges approved, or open up their lines because they were on vacation and couldnt make a payment until they returned. 

However- when I asked for the same experience as a BUSINESS owner I was denied. I would hate to believe that this is due to my complexion - or XXXX. I cant imagine a company as illustrious as American Express would treat one of their own so horribly. It is my hope that you all as my internal amex community can help to resolve the issue of my impending job opportunity and my limited amex platinum card.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account is being reported in accurately as of XXXX  in the amount of XXXX No actions have been provided by the company. The vehicle in question XXXX XXXX XXXX
Product: Debt collection

On XXXX XX/XX/XXXX XXXX stated that Indebted owned account. 

On XXXX XX/XX/XXXX XXXX closed account. 

On XXXX XX/XX/XXXX first source claimed to own previously closed account. 

The account ownership is clearly being tossed around without an update of purchased amount as well as the account closer being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX  Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my XXXX report and also Equifax credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX in XX/XX/XXXX ; which included Navient. I have informed XXXX several times by disputing the total amount showing up on my credit score. I had XXXX over 1 ago. Now my score is XXXX because every month XXXX is reporting inaccurate information on my credit report as well to other lenders. I called XXXX XX/XX/XXXX and was total it's not there issue to handle call Navient ; in which I did previously. Too no reveal. I Was told they would remove it from my credit report. But has not yet. This was months ago. Please stop providing inaccurate information on my credit report which has been because of it.
Product: Mortgage

XX/XX/XXXX, XXXX I contacted the payoff dept of Lakeview Loan Servicing , LLC . They provided me with the payoff amount for our loan and stated the full escrow payment, including my insurance pay out would be dispersed within 21 days. They received the full payoff of our loan on Friday, XX/XX/2019. 
XX/XX/2019 - I received my escrow check for the {$2700.00} but not my insurance amt of {$100000.00}. I waited since I thought this might take additional time, and my family was dealing with a death in our family so it wasn't a top priority for me at the time. 
XX/XX/XXXX, XXXX I called Lakeview Loan Servicing , LLC . and spoke with several customer service reps to get an update on my additional insurance funds of {$100000.00}. After 1.5 hrs on the phone ( mostly on hold ) no one could tell me the status of these funds, if they were released, pending release or when I could expect my check. 
They stated they would submit a request to have a supervisor contact within 24-48 hrs. This is the 2nd major issue we've had with XXXX XXXX within 6 months. This company is way over due for an  audit to determine what steps should be taken to monitor their lack of business ethics to protect other consumers. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has broken the law! They violated FCRA laws by inaccurately reporting accounts listed on my credit profile, Experian displayed accounts that I gave no verbal or written consent to display, and Experian furnished information solely based on transactions or experiences. I am demanding the following accounts be removed immediately and for Experian to remit the amount of {$10000.00} payable to me for XXXX, emotional distress and hardship. The accounts that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX Card Account number XXXX, XXXX  Account number XXXX, ALL DEPT OF EDUCATIONXXXX Accounts It is showing account numbers for all Dept of education/XXXX  is listed as XXXX. XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX XXXX Card Account Number XXXX.
Product: Debt collection

I have contacted the debt collector to receive 1099-c from charged off account, the Account History Information and any signed contract between myself and the debt collector that I have signed. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Credit reporting or other personal consumer reports

When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Student loan

I requested my loan history from 1998. They provided a generic response, that only pertained to loan history after my latest consolidation. They were unable to provide complete loan history since 1998. There should be no mystery in how many payments I have made. 
aidadvantage Studentloan.gov
Product: Checking or savings account

My banking entity is Capital One. My direct deposit was supposed to post XX/XX/year>. 
As of XX/XX/year> the funds have not posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Product: Vehicle loan or lease

When I purchased my XXXX XXXX I put down {$15000.00} cash. Then financed {$3000.00} that turned into more. It eventually was repossessed and nobody tried to work with me.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency is continuously furnishing accounts incorrectly and fraudulently. 

Charge offs are being furnished and updated when income is not to be furnished on the consumer report. 

Needs to be reported as PAID IN FULL / PAID AS AGREED This is violation of The Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT A VALIDATION LETTER ON XX/XX/2022 TO THE COMPANY NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.
Product: Credit reporting or other personal consumer reports

SOMEONE WAS LIVIMG UNDER MY IDENTITY BECAUSE I HAD XXXX CREDIT AT THE TIME. GOING TO THE HOSPITAL IN MY NAME AND EVERYTHING. I WAS MOVING BACK AND FOURTH FROM XXXX  TO XXXX  AND SOMEONE STOLE MY IDENTITY I HAVE PROVIDED POLICE REPORT AND FTC REPORT AND XXXX  AFFIDAVIT. XXXX STILL SAYS IT WAS ME. JUST BECAUSE PAYMENTS WERE MADE ON THE ACCOUNT THATS NOT ENOUGH EVIDENCE BECAUSE IF SOMEONE IS LIVING UNDER YOUR NANE OF COURSE THEY WILL PAY TO GET CREDIT INCREASES. THEY NEED TO PROVE IT WAS ME OR REMOVE THE XXXX  ACCOUNTS IMMEDIATELY. BECAUSE I SHOULDNT HAVE TO PAY FOR SOMETHING I WAS A VICTIM OF. 
These are the account numbers. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ incorrect item on my account ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX k XXXX.
Product: Credit card or prepaid card

I applied for the Cahse XXXX XXXX card on XX/XX/XXXX. Later that day I received a call I was unable to answer. The voicemail I listened to was distorted and I could not understand a word that the person was saying. On XX/XX/XXXX I received a letter from Chase prompting me to call XXXX. I called an was prompted to enter the last XXXX digits of my social security number to confirm my identity. When I did this the recording then asked me to confirm I submitted an application for a credit card. I confirmed this and a recording told me they would need 14 days to make a decision. I have phone records with proof of this phone call I made on XX/XX/XXXX at XXXX PST. 

Today, XX/XX/XXXX, I called Chase to check on my application as it has been more than 14 days. I was informed there was no record of me calling and my application was closed on XX/XX/XXXX. I escalated this to a XXXX. 

When I spoke with the XXXX she informed me that they could try to re-open my application but they would have to do another hard pull on my credit. I do not think it is fair to pull my credit a second time for their negligence. I have also filed a complaint internally with Chase. At this time I have not allowed them to pull my credit a second time.
Product: Vehicle loan or lease

My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXXXXXX XXXX collection that I didnt approve of, I've taken every action I could think of.
Product: Debt collection

I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.
Product: Credit card

We began calling on the XXXX of XXXX after applying online. 
they did send a strange email that was supposed to link to a letter that would supposedly explain the reason we were denied. after entering the information they requested ( name, code # etc all I got was a message stating information not found I then called every week and was transferred to different departments, with the end result being that we would receive a letter which to this date never came.