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

I noticed negative activity on my XXXX credit report on XXXX. It was showing that I was delinquent for two months on an auto loan from " GANAS Auto '' in XXXX XXXX California. The address given for GANAS Auto was XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The phone number listed for GANAS Auto was XXXX. The Address Identification number given was XXXX. I did not recognize this account and I did not purchase a vehicle from this company. The details I saw on my credit report were that this account was opened on XXXX with an initial loan amount of {$37000.00}. The loan had a term of 67 months with a monthly payment of {$700.00}. I disputed this through XXXX on XXXX because it was not my account, and it was either reported in error or it was fraudulent. On XXXX, XXXX emailed me that my dispute was complete and that GANAS Auto had certified that the information was accurate. I called XXXX and asked what information GANAS Auto provided to prove that it was my identity used to open this account. XXXX said that they " take the lender 's word '' for it and providing proof/evidence is not required. I then spoke to someone from GANAS Auto ( XXXX XXXX ) on XXXX and she stated that, " I can not give out any information. I have gotten in trouble for giving out information before when I shouldn't have. '' I told her that her company is saying that I have a loan with them and to at least tell me if I have an account opened here or not. She finally relented and I gave her my ID. She took my ID to the back office and refused to let me follow. When she came back, she said " I don't see your name in our system. Only XXXX XXXX 's and a XXXX XXXX or something like that. '' She said, " We don't require ID for an auto loan either because not everyone has an ID. Hopefully this is just a mix up with the social security numbers or the birth date or something. '' I am very concerned that this is not being removed from my XXXX credit report when this account is not mine and this company is not providing me any information. I think this company needs to be investigated and others need to be warned of them. I think this company is aiding with identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to XXXX XXXX, I would have been ineligble for a forbearance.
Product: Student loan

I made a payment of {$440.00} towards a private student loan with discover student loans. This payment should have paid the last of the loan off, however while the money was withdrawn from my checking account the payment was never applied towards my loan balance. I have called multiple times and been asked for patience while they attempt to resolve the issue, I have messaged them through their online messaging system with similar results. I have uploaded a copy of my bank statement, as well as a letter from my bank confirming the payment, as they requested and still they have not resolved the issue nearly two months later. I have lost faith that they have any intention of fixing the problem at this point.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian all report a XXXX  XXXX Bankruptcy in Public Records. They say that they got the information from USBK Court XXXX XXXX.The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX does not report information to any credit reporting agency. The Court does not have any control or jurisdiction over credit reporting agencies. They sent me their sealed documentation stating this. This is a violation of my privacy as provided thru The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes, 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805, Obligations and Enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.
Product: Debt collection

I have a collection account on my credit report with the orignal creditor being XXXX XXXX XXXX but it's now FAIR COLLECTIONS & OUTSOURCES account number XXXX in the amount of {$4600.00}. This is not my account, I have never lived here. I do not know why my information is on here or how it got to me. My father name is XXXX XXXX also but this is not my account for sure!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXXXXXX 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

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as I have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity along proof of address
Product: Mortgage

We have applied for assistance several times this year, have been approved sometimes and lost funding to pay the extension amount. It has veen 90 days since our last approval and we applied again one last time to be told NO immediately after receiving an email offering help. 

I didnt want to expose this part of our family business but earlier this year my husband XXXX XXXX which took our whole world and tossed it upside down. He has done XXXX  and is finally back at work so we are aksong for one more chamce to adsume our mortgage back and even offered a {$2000.00} good faith payment that can be paid next week. And then process our assistance request packet. PLEASE.
Product: Credit reporting or other personal consumer reports

Under the laws of the State of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on or around  XXXX / XXXX / XXXX  for an inaccurate bankruptcy reference #  XXXX  that was filed in  XXXX  showing on my report. On  XXXX / XXXX / XXXX  I received the results of the dispute online. The bankruptcy was " supposedly '' verified as accurate and remained on the credit report. I called Experian on  XXXX / XXXX / XXXX  and spoke to  XXXX . I asked her how the Bankruptcy had been verified and the source of verification since the information was not listed on the dispute results.  XXXX  told me that a third party vendor went to the court house in  XXXX  IL to verify the bankruptcy information. I placed  XXXX  on hold and called the bankruptcy courts (  XXXX  ) and spoke to  XXXX . I asked her if they verified any type of information on a bankruptcy for myself to a third party vendor for Experian and she stated that the Bankruptcy Courts do not verify or share information with Credit Bureaus or third party vendors for credit bureaus. I advised  XXXX  of what  XXXX  from the Bankrup tcy Courts h ad just stated.  XXXX  said she does n't know who the  XXXX  party vendor for Experian is and there is no way for her to tell me or verify whether or not t he 3rd p arty vendor actually did verify since the Courts just said that they did not verify anything. I asked to speak with  XXXX  's supervisor and was transferred to the fraud department where I spoke to a  XXXX  and she stated that Experian gets their information from  a 3rd pa rty vendor but she could not tell me the name of the vendor that verified the information. As per the FCRA a consumer has the right to know how information on their credit file was verified and also the name of the vendor that verified the information. P er Civil Action No.   XXXX   XXXX   XXXX   XXXX   XXXX  all credit bureaus must list the vendors that was used to verify information related to a consumers credit file. Experian failed to do that and because of the lack of verification the bankruptcy must be removed
Product: Mortgage

I bought my condo in 2007 at the height of the market. At the time, the builder was offering a special through their preferred lender XXXX Loans. I believe that I was a victim of fraudulent and deceptive practices because at the time I was advised to take out a first and second loan ( XXXX with a 10 % down down payment ). XXXX was onsite at the builder and they disclosed the terms of the first mortgage which were very attractive at the time XXXX 5.5 % XXXX but I was told that their " printer was broken '' and they did not disclose the terms of the second loan, which were very unfair ( 9 % interest with a XXXX balloon ) and well above market stadards at the time. I belive that XXXX was predatory and intentionally withheld the information about the second mortgage. 

Since then, my XXXX loan was acquired by XXXX XXXX XXXX and then Nationstar. I have called many times and spent countless hours trying to resolve this loan. They blame XXXX and do not accept my assertion that by acquiring my loan they also acquired responsibility for XXXX 's fraudulent, unfair, and deceptive tactics. They refuse to help me unless I stop making payments and/or until the 15-year balloon is up and I ca n't pay off the loan. 

I have also tried to refinance the second loan, but the condo is still ( after almost 10 years XXXX too underwater. I have struggled and managed to maintain the loan, but with a 9 % interest rate I can not pay down the loan fast enough to make a dent in the principle and will be in major trouble when the balance is due at the 15-year mark. I do not anticipate having enough equity given the slow recovery of these condos which were all built in 2007 and have mostly been acquired at a much lower price than I through through foreclosures and short sales. Also, the builder and HOA are in litigation that inhibits sales and have been for years.
Product: Debt collection

It appears that in XXXX someone opened a XXXX account in my name. I became aware in XXXX when a collection was placed on my credit. I filed a police report on it after unsuccessful attempts to remove it but the item remains years later.
Product: Checking or savings account

as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX  through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied
Product: Credit card

I believe the account is invalid. JP MORGAN CHASE BANK CARD needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JPMCB CARD XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item with Westlake Financial in the amount of {$4800.00} is reporting on my credit report. I sent validation to Westlake financial no response. The company that used Westake called XXXX XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor Westlake financial for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX XXXX Account, My account was noted at delinquent in XX/XX/2021. For this account, I had it set to auto-pay from my checking account. I do not know why the auto-pay did not go through for this account. I can prove that the funding account had the proper funds for this. XXXX did not notify me of this issue, and has now reported the payment as late.
Product: Student loan

I applied for a consolidation loan through studentaid.gov of my existing federal student loans, and chose Aidvantage as the loan servicer. The loan application was received on XX/XX/year>, which included an application for an income-driven repayment ( IDR ) plan to be applied. I received notice on XX/XX/year> that the application was successful and that I had 10 business days to review for accuracy. 

I received another notice on XX/XX/year> that the consolidation loan was successful and that I had a new account through Aidvantage. In that letter, it stated that the IDR application was under processing, and that a 60 day forbearance period would apply. The loan however was created with a standard, level repayment plan as the default. 

On XX/XX/year>, the injunction was filed in appeals court to freeze parts of the SAVE plan and other aspects of IDR plans. Unfortunately, Aidvantage froze all IDR accounts according to the ruling, but also froze all pending applications. 

Instead of placing my account into a zero interest forbearance in accordance with the ruling, the accounts standard 60 day forbearance expired, and repayment began. On XX/XX/year>, an autopay draft was taken from my account, and interest is currently being charged on my consolidated student loan. 

I contacted Aidvantage over the phone and spoke to an agent for about one hour on XX/XX/year> in order to resolve this apparent oversight. The response from the agent was essentially, too bad, and that it would not be corrected. Instead, the agent attempted to have me re-apply for IDR, even though all IDR applications are frozen, or to apply for traditional forbearance. 

I denied both of these suggestions, and asked to speak repeatedly with someone who could explain why my account was not included in the zero percent interest account as outlined by the injunction. The agent would not connect me, and instead repeatedly put me on 2 minute holds. The agent also informed me that the person would only share the same information he had shared, namely, that I fell into this loophole and it was the court decisions fault.
Product: Mortgage

Due to XXXX I was laid off from my previous employer. I asked my Mortgage lender ( Freedom Mortgage ) what I could do while I look for a new job. They advised entering a XXXX  plan and ensured me it was the best option for me. Once I found gainful employment again I was ready to come off of XXXX. This loan modification process took them well over 6 to 8 months. I was never explained that entering this XXXX  would change my interest rate. After underwriting took their sweet time while interest rates were rising they finally got back to me about a loan modification bring my rate from a XXXX to currently a XXXX. Also it is a XXXX mortgage and I applied for a Partial Claim and they never followed through with the partial claim only a loan modification. My mortgage went up almost {$1500.00} a month because of there negligence and Id wish nothing more than to have this reversed and have a new lender. Please help. 

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

Hello, As i began to check my consumer report, I discovered a collection account from Credit Collection Service and they have reported a debt on my consumer report. 

Credit Collection Service is in violation of 15 U.S. Code 1692g - Validation of debts. 

No written notice was sent to the current address on consumer report before placing this inaccurate information. 

This information is hindering from obtaining other financial resources.
Product: Vehicle loan or lease

Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for you.