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

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XX/XX/XXXXXX/XX/XXXXExperian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Student loan

I am interested in consolidating my XXXX loans into a Direct loan, in light of the recent change in policy announced here : XXXX XXXX XXXX  This announcement states that prior payments made to the XXXX loans that are consolidated into Direct loans will count towards the Income Driven Repayment plan forgiveness. 

However, the loan consolidation application on the studentaid.gov website states the opposite, in section J. It states : " J. Any payments I made on the loans I am consolidating ( including any Direct Loans ) before the date of consolidation will not count toward : The number of years of qualifying repayment required for loan forgiveness under the XXXX Plan, the XXXX, the XXXX Plan, or the XXXX XXXX ( see XXXX Item XXXX ), or The XXXX qualifying payments required for Public Service Loan Forgiveness ( see XXXX Item XXXX ). '' I called XXXX XXXX XXXX XXXX XXXX ( XXXX ) and stated that I do not want to sign a loan consolidation agreement that contains provisions that conflict with the policy announced in XXXX. The agent said that there is only XXXX consolidation application. I asked to escalate the issue to a XXXX and was told that IF the consolidation agreement is updated that I would be able to see it in the announcement section of the XXXX website. This is simply not acceptable. 

It is unfair and unconscionable that I am being forced to choose to rely on public statement of policy regarding prior payments and pray that this statement is adhered to, when the actual agreement I am signing does not reflect the policy. I am only interested in consolidating my loans into Direct loans if my prior payments are counted for purposes of XXXX forgiveness. 

In light of the conflicting information, I do not want to sign a loan consolidation agreement that reflects terms that are not in my favor ( because it states that the prior payments on the XXXX loans will not count towards XXXX forgiveness ), and if enforced as written, which would cause me to lose many years of repayment.
Product: Checking or savings account

I had just opened this account not too long ago! This is the SECOND time they have restricted my card! I got it unrestricted the first time. This time I called and they said its not just the card but the entire account is under review and that they cant provide any further details! I cant use my card and have money in my account that I need to access to pay my bills! I dont like this bank and wish to close my account ENTIRELY! Ill never bank with them ever again! They have locked my card and wont say why besides the account is under review!!! Either unlock my card or close my account and give me MY money
Product: Credit reporting or other personal consumer reports

For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to Experian and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) 4, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by Experian but I dont think they have done any investigating. Please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days, XXXX, XXXX and Equifax haven't shown prove that I owe XXXX XXXX nothing. 

On XX/XX/23 I sent all three credit Bureaus a 609 letter.
Product: Credit card or prepaid card

For the last XXXX of months whenever I try to log into my XXXX Credit Card account, managed by Synchrony Bank, I am unable to log in and manage my account due to errors with their sending a security code to my cell phone. They continue to show an old landline number for my account on the log in page. They say they have removed the landline number, but in fact they have not. They say they have reset the page but they have not. 

I believe this is a deliberate attempt by Synchrony Bank to force customers to make payments " as a guest '' instead of being able to log in and see details of their accounts.
Product: Vehicle loan or lease

Ally Bank was my lienholder on a XXXX XXXX XXXX ( VIN XXXX ). The truck was sold to XXXX and the XXXX XXXX XXXX was fully executed by all parties on XX/XX/XXXX ( copy of this executed document attached ). Per the terms of this agreement, in this directly relevant section of the paragraph identified as XXXX XXXX, it states : XXXX will pay the amount of the liens obtained from the lienholder ( XXXX ) on your behalf, as reflected in Line ( XXXX ) ( Estimated Payoff ). You authorize XXXX to contact the lienholder ( XXXX ) to obtain whatever information is necessary to pay off the liens and transfer title and you give the lienholder ( XXXX ) authorization to release information to XXXX. The Estimated Payoff may be greater or less than the amount that is actually due to the lienholder ( XXXX ) to transfer title ( Actual Payoff ). You agree to pay XXXX the difference between the Estimated Payoff and the Actual Payoff plus any additional costs incurred by XXXX, upon demand. In order for you to transfer a marketable certificate of title, all lines on the Vehicle must be paid. If the Actual Payoff is less than the Estimated Payoff, you will receive a refund of the difference from your lienholder. 
If you notice in the attached Vehicle Purchase Agreement, there was XXXX in this vehicle i.e. enough to fully pay all liens on the vehicle.. An Actual Payoff amount includes all principal, interest AND FEES owed to the lienholder. Neither I, nor XXXX, were EVER contacted by Ally to make us aware of any remaining balance owed on the vehicle, etc. XXXX were we contacted by XXXX to make us aware of any remaining balance owed to the lender that would prevent them from obtaining the tile to this vehicle and completing the transaction as contracted. The title of the XXXX XXXX Tundra WAS IN FACT RELEASED BY ALLY BANK TO XXXX. XXXX purchases vehicles with the intent to resell them. which would require a clear title. 
Fast forward to XXXX of XXXX when I, XXXX XXXX, go to purchase another vehicle and my credit report is pulled ( relevant section of my credit report is ALSO attached ) and there is a {$660.00} balance showing owed from Ally Bank. The last payment is reported as being received on XX/XX/XXXX. This is only two calendar days following the executed Vehicle Purchase Agreement from XXXX. This remaining balance was never disclosed to us in writing, and it wasnt per the terms of the purchase agreement, if money was owed on the vehicle above the amount XXXX received from Ally Bank, then the title to the truck should not have been released by the bank, it wouldnt be a clear title, and a XXXX would remain. 
Ally Bank never notified us of a balance, and strangely, left this {$660.00} balance to be reported on my credit report from XXXX of XXXX through XX/XX/XXXX, which they charged off as bad debt. However, they ONLY reported late payments to the bureau in XXXX, XXXX, XXXX, & XXXX of XXXX. Except for those months, they reported to the bureaus as paying as agreed but the balance never changed.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX sent me a XXXX  payment for XXXX. I messaged PNC bank and ask why my XXXX wasn't available and I was told that if the sender didn't send it with instant it would take up to 3 day. I expressed my concern at never even seen that option when sending my owe XXXX  payments and ask where in XXXX  it gives this option they don't seem to know where this option is back on XX/XX/year> XXXX XXXX sent me a XXXX  they told me the same thing then and I never received that deposit. I've ask my family and friends no one seems to have ever heard of this so I went back and read through my XXXX directions it's not there and my banking contract with PNC says my XXXX payments are available immediately so I do not understand why they keep holding my XXXX payments instead of depositing them in my acct. What can I do about this. I'm concern bc my rent and bills being late or bouncing bc there holding there deposits and there no clear reason why and seem to be no way to resolve this issue. Other than being legal actions since it's seem to be only me and my XXXX  payments this is happening to please help me with this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. 

On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. 

Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. 

Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.
Product: Credit reporting

I applied for a position with XXXX XXXX XXXX ( XXXX ), I was offered a position. However, XXXX XXXX XXXX has hired First Advantage Background Credit Reporting Company to do my investigate. First Advantage ( FAVD ) reported that I had an outstanding Criminal Capias Warrant at XXXX County Clerk of Courts from XX/XX/XXXX. I contacted the court, the Criminal Civil Capias was not outstanding, this was not true. First Advantage has reported to my future employer that I have an outstanding warrant when I never did. Both cases with XXXX County were closed by the court. I have filed two disputes with First Advantage. I never received a copy of the investigate. I went ahead a satisfied the civil case judgement and the Capias Warrant was dismissed and the judgement satisfied. I forward the information to First Advantage, although have acknowledged receiving documents me, they still refused to update the report and notified the employer, that the capias has dismissed per XXXX XXXX and judgement has been satisfied. I spoke with XXXX XXXX and they are still interested in hiring, they are just waiting to the report from First Advantage. I was told by FAVD this can take up to 30 additional days for them to update there computer database. My original start date with XXXX was on XX/XX/XXXX. I filed the first disputed with FAVD on XX/XX/XXXX, my 2nd dispute with FAVD was opened on XX/XX/XXXX. As of XXXX FAVD still stated I had an outstanding warrant which is inaccurate. In addition, the warrant was dismissed on XX/XX/XXXX and judgement was closed on XX/XX/XXXX. FAVD is stopping me from being employed, damaging my character and reporting inaccurate information when they have the court pleadings. I am a single parent and I need this job. I do n't think XXXX is going to wait another month to hire me. They were hiring for open enrollment which starts on XX/XX/XXXX. They employer will not take any information from me since they hired FAVD. The employer wants the report to show that its dismissed or removed. But FAVD is his holding up my job. Even though they have all the supporting documents from the court. This does not seem to be fair. I have verified with XXXX County Clerk Court, XXXX Ohio verbally and on XXXX County Clerk Court database which is online : XXXX ( Case # XXXX ) It shows that Capias Warrant was dismissed and the Judgement was satisfied.
Product: Credit reporting or other personal consumer reports

Sent in Dispute letter to Early Warning Service to dispute XXXX XXXX XXXX information. I was living in the state of XXXX at the time. Im also afraid because they sent me information for someone else when I received my consumer report and it was supposed to be just mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. This acknowledgement included proof that the late payment was waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with stated, " there is no set amount for the minimum payment each month. '' I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I disputed the trade line via Equifax 's online portal. However after 30 days, received notification that the amount shown was corrected but the trade line didn't show the correct monthly payment or balance. 

I would like to have the monthly billing statement updated showing the correct amount due per month.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00}
Product: Debt collection

Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.
Product: Bank account or service

I purchased a {$700.00}  CD f rom  XXXX   XXXX    XXXX   XXXX   XXXX   in  XXXX , which was to automatically renew, and opened a safety deposit box. I got sick and did n't turn in the CD and now find out that the bank was taken over by several banks that eventually beca me Wells Fargo in   XXXX . I need to collect my CD and find the contents of my safety deposit box. My son is still alive, but my husband has passed away. I have the original CD and my keys.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Product: Credit reporting or other personal consumer reports

For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with Cardinal Financial Company loan number XXXX for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/2023. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX employee initials XXXX ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my Cardinal account within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting XXXX missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX employee initial XXXX  ) and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXX points for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.
Product: Debt collection

GENESIS CREDIT MANAGEMENT ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Mortgage

My complaint is a personal complaint but has ramifications throughout the mortgage lending industry. I recently agreed to a 15 year mortgage@2.875 % a very good rate that has since moved higher. However, I now believe my bank, USAA, is intentionally slowing the closing process down. We were supposed to close XX/XX/XXXX. It has been rescheduled five times! The last two of which were canceled 10 minutes before the signing, as I was on my way to the meeting! However, this is not my complaint. I see a broader issue here where banks can extend people 's refinance dates in order to potentially earn extra income from the existing loan ( given they continue to hold the original loan. ) I have no recourse. I complain but ca n't be refunded for the two extra mortgage payments I have paid and the {$800.00} in higher interest I have had to pay. Industry wide this practices costs consumers significant sums of money. I would love to work on an industry panel or regulatory body to fix this issue. Possible solutions could be a limited timeframe to complete a loan after which the bank will pay the difference in interest owned. Thank you for your time, I hope this reaches someone who will help people without any power.