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

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law.

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 11TH COMPLAINT AND I DISPUTE 4 RETAIL CREDIT CARD ACCOUNTS ON MY EXPERIAN CREDIT ALL OTHER BUREAUS HAVE DELETED FOR THIS EXACT REASON. 

XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT, CHANGE ACCOUNT TYPE TO RETAIL CREDIT CARDS. 

XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE ACCOUNT TYPE TO RETAIL CREDIT TYPE THE XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE TO RETAIL CREDIT CARD TYPE UPDATE WITHIN OR DELETE OR BE SUED, SEE ATTACHED LAWSUIT. 


XXXX XXXX, NO.XXXX, REPORTING AS INSTALLMENT LOAN MUST BE CORRECTED TO RETAIL CREDIT CARDS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.
Product: Credit card or prepaid card

Got a prepaid credit card / XXXX  for doing survey But. Everytime input deatails. The card is blocked by the merchant The company keeps saying it is blocked wait 2 to 3 business days then try again. 
Spoke XXXX when tryed add to there systerm And have contacted company lots of times and they just say its blocked Hello XXXX, Here is the Verification Code you need to confirm your identity and access your funds.to XXXX XXXX  : XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tryed lots companys and all say XXXX  use it
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. DIVERSIFIED ADJUSTMENT Original creditor : XXXX XXXX number # XXXX XXXX. XXXX XXXX / Account number XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute the public record from the U.S. Bankruptcy Court on my credit report for 2018, as I believe it is inaccurate. By Rule 9037, please investigate and correct this discrepancy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I made a payment to JPMCB CARD SERVICES in XXXX and it was rejected do to insufficient funds. I was alerted and resubmitted the payment. 

As someone who is diligent about credit responsibilities, I checked my statement in XXXX, and it stated that there was no payment due and everything is as it should be. 

This issue continued, not due to insufficient funds, but due to Chase no longer accepting my payment account, but had never alerted me and continued to allow me to make these payments. 

I am attaching statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Notice that at the top of each statement, it states that my account is in good standing. Contrary to these statements, Chase reported both a XXXX date late payment and a 60 day late payment. 

I feel this is an egregious series of misleading communications on the part of Chase.
Product: Mortgage

I closed on my home loan XX/XX/XXXX thru The Loan Store XXXX XXXX. Only months into my new loan I was advised by the new loan servicer XXXX XXXX that my payment was rising by over {$500.00}! My payment was approx. XXXX originally and rose to XXXX. Frankly I don't even know if I would have qualified for that payment originally! However, after working with my mortgage broker/loan officer to determine what happened and who was responsible, and attempting to get the lender, the Loan Store to make things right and own their error, we were informed ( and have a copy of the email ) that the escrow closer WARNED the loan closer at The Loan Store that the current way the escrows was set up would result in a shortage immediately. The loan closer did not make the necessary changes and I closed without 2 property tax installments being accounted for and collected upfront and now my escrow account has a massive shortage and my payments are unaffordable. As a first time buyer, this never should have happened -- the lender, the Loan Store has offered to do a refinance to correct their mistake but that is the only responsibility they will take instead of offering some sort of 1 ) apology and 2 ) some sort of credit for this shortage. It is very discouraging and frustrating that when I've tried to get answers, the responsibility has been put off and deferred, especially since there is a new servicer involved and the Loan Store acts like they have no control/authority to correct their mistake with my escrow account.
Product: Debt collection

an account was opened unauthorized. i would like some type of representation if possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 active open credit accounts. For the last 3 to 5 years I have paid on time and paid off balances on most of them consistently.The creditors seem to be doing their part but the 3 credit bureaus are not up to par with increasing my score ... yes I have a couple of accounts in dispute but that should not affect the fact that I have been been working really hard and nothing is moving.2 points here 1 point there is not what I'm working hard for I need you to investigate the 3 bureaus do they can give me my points due to me!!!
Product: Money transfer, virtual currency, or money service

I was at a hotel gathering on XX/XX/XXXX, when I awoke from a nap, to grab my phone, I seen a bunch of notifications from cashapp made to purchase XXXX. There was one for {$400.00}, one for {$300.00} and another for {$100.00}. I've never been into XXXX or used XXXX, these are fraud charges taken from my account while I don't know who took my phone or had access to my cash app. When I contacted Cash app right away to figure out the fraud transactions. They replied to me a week later and said my case is denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.
Product: Bank account or service

I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the account.
Product: Credit card or prepaid card

in XX/XX/2020, I made a purchase at XXXX XXXX. I paid off the account, then closed it. I was dissatisfied with the annual fee that would be charged to the account. On XX/XX/XXXX, a refund was issued. I have yet to receive a refund from Capital One one month later. In XXXX, I also closed a second Capital One card. A few days later, I had changed my mind, and wanted to reopen the account. I contacted customer Service. I was told that I can not reinstate the account, and I should reapply. I reapplied, received a hard inquiry on not one, not two, but all three of my credit bureau files, and was then declined. So now not only do I not have the open account that I was seeking, but I have THREE hard credit inquires for one application - how is that right? I have paid ALL of my credit obligations, on time, every month. I do not understand why I can not reopen an account, when I have been an excellent customer. Why is Capital One holding my refund? Why do I keep receiving auto loan letters, when I can not drive?
Product: Debt collection

I am making payments on a small car loan, may be running late about 20 days. The lender has called me 36 times in the last 20 days, or so.
Product: Debt collection

Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : 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 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. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Mortgage

I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.
Product: Credit reporting or other personal consumer reports

My cousins boyfriend used my credit to open accounts without my permission, these are not my accounts and he did the accounts fraudulently. XXXX back to XXXX and left us with a lot of problems. I need to dispute these things and get them off my credit. I read about the lawsuit fromCFPB that they sued the credit bureaus because the credit bureaus are not doing their job and the disputes are not being done the right way. XXXX like to have my disputes processed the right way please and if they are not please include me in the lawsuit so that this can be resolved the right way. Please do the what lawsuit says you have to do and dispute this correctly for me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am unable to access any of my credit reports. I am receiving multiple calls and letters from organizations on accounts that I have not applied for.
Product: Student loan

I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.
Product: Credit card or prepaid card

A fraudulent charge was added to my card I called Avant right away they got the charge removed from my balance it was a {$100.00} charge the very next day there was another {$100.00} charge on my card I called them several times to try to find out what it was finally they put me in touch with somebody in the fraud department I called her XXXX times and never got one return call meanwhile charges are adding up from this {$100.00} the payments and the late payment so finally one day after calling the fraud lady again the next day the {$100.00} was off of my balance however the accured money from that {$100.00} was still on my balance since then they have reported me to the credit bureau for money I do not owe them
Product: Vehicle loan or lease

OnXX/XX/2018 I sent a postal money order in the amount of {$380.00} for the full satisfaction of the claim related to a retail installment contract. Chrysler Capital accepted my money order yet still demands payments. I have attempted on multiple occasions to resolve my dispute but have only been told to keep paying. I can not call to get in touch with anyone as my account is blocked and they ignore my mailings. I have paid every month out of fear that if I don't they will attempt to repossess my vehicle, take legal action on a non existing and alleged debt, or turn my account over to a collections account in an attempt to harass me. To this date Chrysler Capital owned by Santander Consumer Use , Inc. under the direction of XXXX XXXX continue to demand payments from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX The day I received the letter charging the first late fee, I went to XXXX in XXXX XXXX to pay directly to them, I went to the counter where they have the perfumes and coincidentally the same lady that had sold it to was there, I talked to her and I explained to her that I wanted the late fee to be waived, she said she was going to help, she called the credit card and she was put on hold for a long time and then I told her that I had to go, so I gave her my cellular number and asked to call me if she get any news, when I was driving she called and said that she had taken care of the problem and the fee was waived. 
I have always maintained that I paid the principal amount and there only was one late fee, which I had the impression that it was waived, they started charging late fees on the late fee, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. Looking at my Experian report, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed it says now ND and they have only one CO on XXXX XXXX, and before my original complaint it was CO all the way instead of the ND that they have now. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate, incomplete and is no longer fair and I do not know how legal it is. 


XXXX XXXX
Product: Credit card or prepaid card

In month of XXXX of 2018 there was two charges totaling {$12000.00} on my visa signature credit card with WELLS FARGO bank also there was a few personal loans that was opened up under my name without my authorization. I immediately disputed these charges and also i filled an FTC report and a police report. Unfortunately i been having a tough time to resolve this issue with WELLS FARGO and they are telling me they finished their investigation and their result find out these are my transactions. I NEED YOUR HELP TO RESOLVE THIS ISSUE.
Product: Mortgage

We submitted for a modification and we were denied. 
We appealed the decision according to their guidelines. We submitted the appeal on XX/XX/XXXX Via Email. It was supposed to be in by XX/XX/XXXX according to the appeal document. 

We called in on XX/XX/2024 at @ XXXX XXXX Pacific and spoke to the representative " XXXX out of XXXX ''. 
She informed the appeal was in on the XXXX and uploaded on the XXXX. She said it is under Review to call back after the XXXX. 

We called back on XX/XX/XXXX at XXXX Pacific we spoke to " XXXX '' she said the system is down to call back ''. 

We called back on XX/XX/2024 @ XXXX pacific spoke to " XXXX '' again. She said the appeal was never reviewed. I had her transfer me to super visor " XXXX '' he said " appeal not reviewed because it wasn't in writing ''. ( that's not true the attachment to the email was a letter written in plain English ). 

They stated they were reviewing until it was beyond the date to respond. Then they said it was never reviewed. We are now 7 days away from a XXXX sale and they have been " dual Tracking '' the entire application process. They only informed us about the refusal to review once it was very close to XXXX  date.