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

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, XXXX, and Experian informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the Experian dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the Experian dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified six times of the error regarding XXXX XXXX/XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX/XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX XXXX. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX XXXX. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, XXXX CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
Product: Credit reporting or other personal consumer reports

As of today XXXXXXXX XXXX XXXXXXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. XXXX XXXX XXXX is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. Westlake Portfolio management has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. Westlake Portfolio only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.
Product: Checking or savings account

I received a XXXX payment of {$400.00} and it was accused of fraud. Although I dont believe it to be fraud because I know the sender also due to situation my bank account that I had since I was XXXX XXXX XXXX, was terminated and closed out which affected my checking and banking account. I am also a wheelchair user person with a XXXX I have never been associated with or did any fraud in my life. This account being closed affects my personal life. This bank is my local bank, and I would like to remain a member of this branch.
Product: Mortgage

I contacted the company back in XXXX of XXXX asking if my current home loan was assumable. I was informed that it was however I had to have a final divorce decree before I could start the process. I was sent the paperwork for assumption and the day after my divorce was finalized I sent in the packet and a {$900.00} check to begin the process. This was on XX/XX/XXXX. Ever since then, I have been dealing with the kickbacks from the assumption department saying that they do not have all of the required information. They do not communicate and I am the one having to reach out to find out the status of my loan. I have tried emailing the account holder as well as her superior. I have informed them that I have had to recently obtain another attorney due to this issue and then I received a final notification from the mortgage company stating I only had 10 days left on the current process. I have now been working on this for 6 months and they have yet to approve my assumption and are now asking for another set of 'missing ' information. It also needs to be known that I have, alone, been making these mortgage payments since XX/XX/XXXX since my ex-husband walked out on me and our XXXX children. It is evident that the payments have been made because you can clearly see the withdrawals coming out of my account per the bank statements that they keep requesting. This is also on a teacher 's salary. As part of this process, they have run my credit score multiple times which I get penalized each time they run it in their error to be sufficient in getting this matter handled. My last XXXXredit score on XXXX is a XXXX and the highest is a XXXX. I will be glad to provide all communication that I have had with the company via email as well as providing copies of the forms I have submitted and notes I have personally taken in regards to this matter. I have gone as far as contacting other mortgage companies in regards to this situation and they have clearly stated that they believe that I am getting the run around from the current mortgage company because I am a single mom of XXXX on a teacher 's salary.
Product: Debt collection

I retired from an XXXX XXXX XXXX on XX/XX/XXXX. When I retired I sent my corporate XXXX XXXX card back to my employer. On XX/XX/XXXX I received a bill for a corporate XXXX XXXX from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate XXXX had been canceled and referred to credit collections. This is very confusing because I have had an XXXX XXXX account since XXXX and I still use the card everyday. I was never contacted by XXXX regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.
Product: Consumer Loan

I applied for a personal loan with " Citizens One Personal Loan '', during the process I was never asked if I was US citizen or permanent resident, once the loan was " almost complete '', as I have an excellent credit score, they asked me for a copy of my social security number that clearly says " valid for work only '', after providing the document they denied the loan. 

When i call the bank and I asked for a copy of the application where I was asked to confirm that I was us permanent resident or US citizen they denied to send a copy, the bank mentioned that I accepted the terms of the application and that they will not provide a copy of the document. 

When I asked for the terms of the application over the phone, they read them over mentioning that they required " A valid Social Security Number '' as read from the application, when asked the bank representative to clarify where in the application " a valid social security number '' was explained, they said that there was not definition in the application for a " valid social security number '' and neither in the document but they understood it, when I asked why this was not requested to be clear during the process, there was not a clear answer. 

I requested them to remove the hard inquire due to this faulty process which they denied, when as asked for a copy of the application where I could see clearly that I choose any of the requirements " US Citizen or permanent resident '' they denied to provide a copy of the document or support.
Product: Money transfer, virtual currency, or money service

Cash app never had a live or bot chat to help answer any issues. I had someone report a lost card and they refunded her all of her transactions including mine without reaching out to confirm any proof from me. There is a class action going against them and I need to be sure my information is updated with you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

I am only now learning that TransUnion has been charging me {$20.00} per month since XX/XX/2017 for a TransUnion account. They claim I must have signed up for free trial and then failed to cancel it, however there is no confirmation email stating that I ever signed up for this and no monthly receipts ( or any other document indicating to any effect that I have ever been charged ) sent to me at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX
Product: Student loan

I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX  website states im 30 days or more pass due of {$330.00} owed to regional acceptance ( car loan company ) I called regional acceptance today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing WaiveInt ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!
Product: Credit card or prepaid card

On XX/XX/22 I purchased a refrigerator and an electric stove at XXXX to be delivered at my property ( for a fee ), and I opted to pay {$80.00} to haul away the old appliances. They delivered the 2 appliances on XX/XX/22 but didnt haul away the old appliances because of roaches. I contacted XXXX XXXX costumer services on XX/XX/22 to request the {$80.00} refund to my credit card and was offered a gift certificate of instead. I refused because I can only use at XXXX XXXX and I dont have anything there anytime soon. Then they said I had to go in person to the store and show my credit card in order to receive the {$80.00} refund. I believe this practice is unfair and abusive and would like help to make it right. Thanks.
Product: Vehicle loan or lease

XX/XX/year>, XX/XX/year> Right Way auto in my credit over XXXX times causing numerous unauthorized inquiries on my credit report and refused to do anything about it and also did not provide me with the title to the cars I can title it and also were very high pressure and very Unprofessional and causes a great deal of trauma to me in my life and also to my credit and inaccuracies on my report.
Product: Credit reporting or other personal consumer reports

Listed below are the only personal information that should be on my credit report
Product: Money transfer, virtual currency, or money service

The card I had attached to my Zelle account was not active anymore. Yet they SAY the money was deposited onto the card on file. Impossible, that card was deactivated. And the bank account closed. They now say its the company who sent the transfer. But they accepted it. I cant even find a transfer history for the card. Its gone
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payment on XXXX XXXX XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 
CITI XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

My wife and I bought a house in XXXX. The address is : XXXX XXXX XXXX XXXX, WV XXXX The previous homeowners had a home equity line of credit on the home that was paid off from their proceeds. The previous homeowners names are XXXX XXXX XXXX and XXXX XXXX. The Chase home equity line of credit account number is : XXXX. 
After closing in XXXX, JP Morgan Chase failed to issue a lien release on our property from the previous homeowners despite the loan being paid off at closing. We were in the process of trying to sell the property on XX/XX/XXXX and then this lien issue arose. I have called about a dozen times and emailed XXXX as instructed by representatives at Chase. 
I finally got an email response from Chase saying that I need to provide all loan and title documentation as well as FULL Copy of Recorded Mortgage with any related Recorded Assignments. 
The issue here is that it IS NOT MY LOAN! 
I was able to get the XXXX County WV clerks office to reluctantly give me the loan number recorded on the previous homeowners deed so that I could try to resolve this with Chase after one of their representatives said that the account number was all that I needed to resolve this. 
Following representatives, including a manager, said because my name was not on the now closed loan there was nothing they could do to help in the situation despite me owning the property that they failed to issue a lien release on. 
I have done everything that I was asked to do by Chase and the lien release research department failed to even read my emails to them because if they had they would know that I dont have access to the information that they asked me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : It is incredible how outdated your website is! 

You should have a system in place like the XXXX and XXXX, XXXX and XXXX. 

XXXX notifies the other companies within 10-15 minutes of any update.

Thank you. 

Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

I enrolled in a savings bonus offer from Ally Bank on XXXX XXXX, XXXX. The offer stated that customers would receive a 1 % bonus for additional deposits up to {$50000.00} to savings vehicles if the money was kept at the bank for 90 days. The transfer had to be made by the end of XX/XX/XXXX. I transferred an additional {$50000.00} to my Ally savings account on XX/XX/XXXX. I subsequently transferred the {$50000.00} within Ally Bank to a CD account ( also within Ally Bank ) after calling customer service and receiving assurances that this was allowed and would not disqualify me from the 1 % bonus promotion. The bonus was supposed to be credited to the account on XX/XX/XXXX. However, this has not happened. I called Ally Bank customer service three times about the missing bonus and it has been escalated with case # XXXX. The case was created several weeks ago, but it is still pending.
Product: Checking or savings account

On XX/XX/21 someone tried to transfer {$100.00} from a Wells Fargo checking account in my name ( XXXX ) to open a savings account ( XXXX ) at XXXX XXXX XXXX XXXX XXXX 

I do not have active accounts at either institution.
Product: Credit card or prepaid card

I have had a XXXX mastercard for a considerable length of time longer than a year. I called several months ago to ask why my payments are not being credited to my account promptly with several small and submitted payments not being credited for upto three weeks time. They attempted to point the finger at my bank, XXXX and their bill pay service. I assured them that they were issuing payments and the problem was on their end by not crediting promptly. 


When the customer service person was not able to make any other suggestion, she agreed that she would waive any fee related to dishonored payments if I went to my bank and cancelled the outstanding checks that had been issued though not credited to my MC XXXX XXXX XXXX XXXX at their company. 

Of course all the payments they claimed not to receive were finally credited to my account several days later but then dishonored when presented back at XXXX because stoppage had been arranged at the suggestion of their agent on a recorded line. 

To their credit they did return the returned payment fee as agreed when asked, but then began a campaign of lying on still recorded line about the status of my account. 

I was told a hold on the account had been placed that would be removed just as soon as I paid the balance in full with certified funds. I was told this on multiple occasions despite the fact that they had already closed my account and had reported the closure to the credit bureaus as well. 

I do not believe an institution should be able to lie straight to the face of this consumer or any. 

In addition to closing an account that has had a stellar record of payment, they jacked up the interest rate north of 30 % ( 31.24 % ) and continue to charge a $ XXXX   monthly account maintanence fee despite the fact that the account has been closed by this party and is not being maintained.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Student loan

My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

This breach is a clear violation of FERPA and its your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dispute my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.