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

I made a payment on time, but the Ally bank reported that I was late with my payments. And they reported me late for several months. After I called them multiple times they corrected that information and told me they will tell the credit reporting agencies that I was not late on my payments. But a month later they send me a letter again saying I was late 30 days. For some reason they are not able to find the payment I made through XXXX XXXX XXXX XXXX. The payment posted on my bank statement on XX/XX/2019, but I made that payment before that. I am attaching my bank statement showing highlighted 1st payment. Please help me. This is already going on for a year. Its damaging my credit score.
Product: Debt collection

Company is cci. The co has been harassing me for months. I have told co to take my number off their list and to stop calling bothering me but they haven't stopped. Cci phone number XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I enabled auto-pay on the loan. My payment portal clearly indicated " Auto Payment On. '' But, the Auto Payment system did not work for the last billing period. I signed-in the first Monday after the end of the billing period ( XX/XX/2022 ) to see if the Auto Payment had worked as I expected it to -- it did not. Instead, I had a late fee ( {$39.00} ) and the most recent payment marked as " overdue. '' I immediately paid the balance ( on XX/XX/2022 ) and reached out to AMEX support to get this resolved. It is a deeply predatory behavior for a loan provider to trick their customers into paying a late fee through an Auto Pay delay. Why show that I had " Auto Pay Enabled '' even when I did not? They intentionally mislead customers into not making manual payments by making it appear auto-pay is enabled, even when it is not. I received no communication from AMEX ( email, mail, phone, text, etc. ) about the due date of the payment, and especially no communication around the status of auto-pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Debt collection

I dont know why I am even getting constant calls multiple times a day all of the sudden about a place that I lived at over 5 years ago. I dont know why they think I owe them money now all of the sudden. If I did why are they just now trying to contact me about it.
Product: Checking or savings account

Hello so I visited PNC bank in XXXX XXXX and was discriminated on and not giving any of my money when I called before coming and the funds were available. I called the customer service number and the women said I dont know they are not giving you your money its available so I called the supervisor over at XXXX XXXX to tell her what the customer service lady said and she got frustrated and hung up on me and refuse to answer any called after that. I went to any branch and was treated kindly and even giving more money than she initially stated. She got caught in a lie and made me feel really bad. Excuse after excuse and I had no gas with my baby in the car. XXXX thank XXXX the other branch helped but it was a bad day. I believe she judge me for being XXXX with such large amount and made up lies to not get me any money
Product: Mortgage

On XX/XX/XXXX I filed a complaint against and individual who has been trying to sway me to use his lender/mortgage company to close on a house. I refused to use his service because this individual is acting as the construction company owner for the home and as a mortgage lender as well. He has been pressuring me to close on a home today XX/XX/XXXX. I was ready to close on my behalf but he stalled documents and is refusing to take ownership on the delay of the closing date. He was not ready to close today XX/XX/XXXX. He keeps harassing me to use his mortgage company that do not want to use for personal preference. It is my right. I am well within my rights to use a lender of my choice. He has a conflict of interest in this matter and I have documents supporting everything. I just want to close on my home the way the deal went. He does not want to help with any problems along the road such as property value adjustment, Rate lock charge I have acquired because of this delay and he says he will not help me unless I use his preferred lender. I just want to close on my home. 


The individual acting on this matter is XXXX XXXX Mortgage Banker XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the for itemization of record from these creditors XXXX XXXX XXXX Jefferson Capital and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Product: Vehicle loan or lease

This issue is regarding my car loan with Mid Atlantic Finance : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX I'm attempting to pay off my loan balance in full, which is over {$3000.00}. 

I was instructed to either pay via debit on the loan company 's website or send them a XXXX payment. Neither one of these methods worked. 

Their website blocks payments over the minimum amount due. 
On XXXX, they don't accept payments over {$2500.00} and XXXX charges {$87.00} per transaction which would mean I'd have to pay double the fees. 

They seem to be intentionally making the payoff difficult in order to lock people into paying interest for the life of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XXXX XXXX was the victim of identity theft and enlisted XXXX to resolve his ID Theft. I started working his case on XX/XX/XXXX. I sent out an initial dispute to Upstart on XX/XX/XXXX that included all the necessary documents under the FCRA to confirm the account as fraudulent including ID Theft affidavit, police report, copy of ID, SSN card, proof of address, power of attorney allowing Upstart to speak with me regarding the fraud, and a cover letter requesting the loan be confirmed as fraudulent and removed from all credit reports and records. I spoke with XXXX from Upstart on XX/XX/XXXX who stated they needed a copy of the police report to confirm the fraud. I mailed all documents including a copy of the police report to Upstart again on XX/XX/XXXX. I spoke with a supervisor XXXX with Upstart so said they would put in a request to call me back regarding the fraud. I never heard back from Upstart. I mailed a new dispute to Upstart on XX/XX/XXXX and XX/XX/XXXX. I have not been able to speak with anyone regarding the fraud as now Upstart is claiming they can't do anything without speaking to XXXX even though I advised them that they have the power of attorney allowing them to speak with me as well as their company has already spoken to me regarding the fraud on multiple occasions. I advised I would be filing a CFPB complaint to have the loan confirmed as fraud and removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of  my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college.
After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on E xperian 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX BK OF AMER XXXX
Product: Credit reporting or other personal consumer reports

I contacted each of the following companies regarding the requests of my credit reports from potential creditors that I did not apply for credit. here are the list of inquiries that are fraudulent and needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I reached out to Transunion and requested that they conduct an investigation they refused.
Product: Mortgage

Mr. Cooper a mortgage provider recently took over my mortgage from another company. I got a letter recently that they did not pay the insurance on my house even though the money has been in escrow. Ive tried calling them a few times and either keep getting put on hold or they let me speak to someone who is working from home who clearly isnt qualified to handle anything related to mortgages. The couple people I did speak to tell me that they cant get anyone on the phone from my home owner insurance company. I find that hard to believe that is the case. While i was on the phone with them they were magically able to get a hold of someone. After that the call got disconnected and the agent from Mr. Cooper said he would call me back or send me an email stating it was taken care of ... ..none of this has been taken care of. I did not ask nor did I have in any say in having Mr. Cooper service my loan. They are extremely hard to get anyone on the phone to help talk to and haven't fixed my issue. When they finally offered to help with a resolution I asked for an email confirming the issue was resolved they offered to send a fax ... ..its 2021 and they cant send an email? This company has very bad business practices and seems to be ran from someones garage. I did not ask to do business with them and its unfair how they treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS IS DIRECTED TO XXXX XXXX TRANSUNION
Product: Debt collection

Today I received texts and voicemails from the Aargon Collection Agency, a debt collection agency specializing in medical debt. They did not say what I am supposed to owe or to whom. I had to go to the web to find out whether they even existed. I do NOT owe any medical provider. I have not had a serious illness in years, and the fees for all my routine doctor visits and tests are paid promptly, in full. Moreover, I have not received any snail mail correspondence indicating any unpaid medical charges, much less to whom such charges might be owed. I do not wish to communicate with this agency, because friends ' and family members ' experiences indicate collection agencies do not care about the validity of the debt. They only wish to hector you into paying.
Product: Vehicle loan or lease

This issue is regarding the company CREDIT ACCEPTANCE CORP. They call me while working business hours after I told them I can not take personal calls at work. They call me XXXX times a day for XXXX  days a week. While at work I can be on ladders making it dangerous for me to check my phone, and the vibrations in my back pocket make me feel like I can fall off a ladder. Ive told them about this issue and they just brush it off and tell me how much I owe them. They will keep calling me no matter what even if I say put me on a do not call list. They still say people will call you. Im sick of the pain and suffering I have to hear/see when I see their number pop up on my phone everyday. The XXXX in XXXX rule is a big thing and they do not follow all laws regarding to the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

From summer XXXX till XX/XX/XXXX I had difficulty excessing the payment portal and application to manage my accounts and this contributes to current account status XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank of Delaware
Product: Debt collection

Harassing phone calls disrupting my ability to use my phone, and interfering with my work. PMT Solutions called me from XXXX 10 times in less than 13 minutes on XXXX. This is a harassment and unneeded. They have called previously and hung up on me when I asked about being removed from the call list.
Product: Debt collection

Debt Validation Request SYNCB/CARE CREDIT SYNCB/XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 
XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX I spoke with someone about the annual fee being {$130.00} dollars so I was going to decline the card. Whoever I spoke with said they would take {$90.00} off the annual fee. On XX/XX/XXXX at XXXXXXXX XXXX I called back because the fee was still there. I told them to listen to the call on XX/XX/XXXX. I'm not sure if they did, but on XX/XX/XXXX the fee was credited back. I didn't use the card for a long time but when I did they put the fee back. This was XX/XX/XXXX, almost 2 months later. I have called about it and they said the fee was put back on because I closed my account on XX/XX/XXXX, which is completely false. I have all the statements showing my available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your help to remove the fraudulent items : 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 XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00}.
Product: Debt collection

Never recieved a call, letter or notice of any kind about XXXX  debt, contacted the company after seeing the collection on my credit report, company disclosed they have my insurance on file and I will not need to pay it but have yet to remove the debt from my file even though active insurance is on file that covers the complete debt, also was told the debt could only be paid in Full and they do not do payments which I am unable to do as a college student who has not had a job in over a year to afford to pay off the debt even though I was told I do not need to since my insurance covers it and have contacted my insurance and they do cover it but the company has yet to accept any payment and has no removed the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry Account # XXXX XXXX XXXX XXXX Swiss Colony/XXXX and/or Colony Brands in XXXX, Wisconsin I have been a loyal customer of XXXX since XXXX, XXXX. During this time, I have enjoyed the clothing, shoes and boots. Choosing to pay down my balance before ordering anything else, which Ive done my current credit limit is {$1100.00} ; available credit is {$1000.00} with an outstanding balance of {$150.00}. 

On XX/XX/XXXX recently receiving your current catalog I saw a beautiful sequined dress and placed an order for it. On XX/XX/XXXX I received and email stating that I needed to pay for the item in full. On XX/XX/XXXX I was notified by XXXX that a hard inquiry was made by Swiss Colony/XXXX  on XX/XX/XXXX that I DID NOT AUTHORIZE. Further, XXXX reported AGAIN to the three credit reporting agencies that I was 30 days late I was 30 days late in XXXX, XXXX which was reported XXXX, XXXX. However, XXXX also reported the same late payment AGAIN to the three credit reporting agencies on XX/XX/XXXX! HOW CAN YOU REPORT A LATE PAYMENT TWICE it dropped my credit score 30 points for a 2nd time because the same late payment was reported twice!