23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received notice that my case was closed due to me not sending additional info. 
Case # XXXX This mortgage Company XXXX XXXX XXXX has not brought my account CURRENT. 
this has been hanging over my head for a year. I want to be able to sell my house and purchase another. I have lost the new home I chose and have missed the prime home sales period. To say nothing about the credit card debt that would have been paid off months ago, if I had been able to sell my home earlier in 2019. This endless dealings with XXXX has cost me so much money. 
I'm a senior citizen, female, on fixed income and this is draining me so badly. 
Now I have to wait, yet again, to pay off the debt. 
TO say nothing about having my home in Pre-Forclosure for a year. 
So much unnecessary strain and STRESS.
Product: Credit card

XX/XX/year> I had discovered someone stolen my current credit builder credit card. I had it in the cupholder of my vehicle, and I believe someone stole it from my parked vehicle prior and made a purchase at XXXX for {$400.00}. I reported it right away, soon as I found out to current and they initiated the dispute but denied me. I also filed a police report, then appealed the dispute with current and they still denied me. I asked for evidence of why they deny my claim and they couldn't provide me any valid evidence.
Product: Credit card

One time credit from Synchrony Bank to purchase a sewing machine. I set up auto pay to cover monthly payment and paid balance in full in XX/XX/2024. Noticed a Synchrony Bank charge in my XX/XX/2024 bank statement of {$70.00}, which was the auto pay amount.

Called Synchrony Bank and was told that they will continue to take the auto payments- even though my balance is {$0.00} - unless I tell them to stop. I told them to stop immediately and refund my {$70.00}. They sent me a check for that amount.

I have a very difficult time believing that this is an acceptable/legal practice.
Product: Vehicle loan or lease

My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX   My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX  of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018  by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to  lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit repori. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

As I was checking my credit report, there's inquiries in it that I don't recognize which is very alarming, I did not authorize these nor given consent to the companies to pull up my credit report, it is XXXX me out and making me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX    XX/XX/XXXX {$0.00} Closed Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than XXXX to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans. 

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my XXXX score is XXXX points higher than my Experian score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with three credit agencies where inconsistencies occur between all three.

ISSUE : Credit Reporting Agency Compliance.

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less.

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.
Product: Student loan

When student loan repayments were going to start resuming I got in touch with my new servicer, AidVantage. I set up my account and set up autopay. I was receiving regular communication from AidVantage about my account and payments restarting so I didn't have any worries. I logged in and set up autopayment for my loan and didn't worry about it. 

I started to get emails from AidVantage saying that my payment was past due. I logged in to the system and made a manual payment and checked to make sure that autopay was on. It was. I continued to get emails saying that my payment was past due and I would log in, make a payment and check autopay. 

When I look at my payment history it shows that every single payment that I have made has been reversed. I deleted autopay and re-set it up to make sure that my banking information was correct. I have set up autopay from two different checking accounts. I have also made manual payments from these accounts. 

Each time that I have made payments I get a confirmation email saying that AidVantage has received my payment. I have saved these emails. And then a couple of days later I get an email saying that I have a past-due payment. I have made payments on the following dates : XX/XX/, XX/XX/, XXXX, XX/XX/. All of them have been reversed. 

I am just trying to make my payments! I emailed AidVantage 's customer service email and have not received an email back. I have also tried calling and wait forever without anyone answering. They don't call back when I leave my call back number in their wait line.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) XXXX tol equal customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX untair an & deceptive, as they XXXX hot " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Chapter XXXX Bankruptcies on my credit report with XXXX and Equifax. 
XXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy Court in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. 

In XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX. That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. 

I was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. Equifax has a fraud alert and they are aware of the other fraudulent charges that were removed, as does XXXX. 

When I ask them to block these XXXX items according to XXXX XXXX ( XXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with XXXX. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with XXXX. I contacted XXXX and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy Court and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX  XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX. No response. I have disputed these items at least XXXX  times with each XXXX including XXXX. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. 

In the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in XXXX XXXX for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? 

I am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. 

Thank you, XXXX XXXX.
Product: Mortgage

This complaint is in reference to my new Mortgage company Mr. CooperXXXX. Over the weekend, I was hit with a negative {$5600.00} plus dollars in my checking account. Upon checking my account with XXXX, there were 3 unauthorized deductions of {$1400.00} from the mortgage company. I spoke to a customer service rep from Mr. Cooper and XXXX XXXX. The mortgage company indicated that they didn't find out about the glitch in the system until Saturday morning. XXXX assured that all funds would be returned by Tuesday and any overdrafts would be covered. The bank rep also stated that letters would be issued by the mortgage company to be forwarded to creditors. Many of my household bills are auto deducted EXCEPT the mortgage in which I have held for 22 years. Question is : how was the mortgage company allowed to freely deduct monies that were not authorized? They took all of our funds. Our plans for that entire weekend were basically ruined due to this huge error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they  update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Product: Debt collection

The lack of response and resolution has had severe consequences on my ability to access fair credit terms and pursue my financial goals. This lack of progress is not only frustrating but also constitutes a violation of my rights under the Fair Credit Reporting Act. Moreover, it appears that some of my requests for information updates have been outright ignored. However, there has been no response or action taken on your end to address these concerns. 
XXXX XXXXXXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXX PLEASE UPDATE!!!. 

I demand immediate action to rectify this situation. Specifically, I expect your agency to : Conduct a comprehensive and diligent investigation into the inaccuracies I have previously reported. 
Remove any inaccurate information from my credit report promptly. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Product: Vehicle loan or lease

CHRYSLER CAPITAL REFUSES TO SEND AN OFFICIAL 10 DAY PAYOFF LETTER BY FAX OR EMAIL TO A CREDIT U ION FOR A REFINANCE LOAN!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your Investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue at had is with my current mortgage company XXXX XXXX. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
Product: Credit reporting or other personal consumer reports

Credit score dropped XXXX points because my credit card company evaluated me and raised my credit limit {$200.00} dollars. This action was not mine, they did it themselves and only Transunion dropped.
Product: Credit reporting

I have tried contacting Experian about inaccurate information on my credit report. I can not get through or get a response when I have already submitted all the requested information for proof of identity. 
My issues : 1. ) The balances in my accounts are inaccurate, this needs to be corrected. XXXX Credit Card has a balance of XXXX that is incorrect. I have called XXXX and they make monthly reports to Experian. XXXX last reported it back in XXXX/XXXX/XXXX. My current balance should be XXXX I believe. 
2. ) XXXX XXXX XXXX Account : That account is paid but the account is still open it should show as closed and paid. Balance should be XXXX. 
3. ) My report says that I have too many delinquencies when in doubt the only delinquencies I have are back in XXXX, XXXX. Being back in boot camp I had my identity stolen. Then in XXXX or XXXX XXXX, I was in training in XXXX. My XXXX XXXX Credit Card went past due 30 days back then and it was because there 's no communication between XXXX and the United States, so I could not make a payment when I was overseas. Those are the only delinquencies I have on my credit report. 
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct this.
Product: Debt collection

Collection agency called Harvard Collections is on my credit report they claim I owe XXXX dollars for overpayment of cash assistance with the Illinois department of human service, the name they gave is not the legal name I use the last name the have is not my last name and the address they provided is an address I have not lived at in over 30 years. I have not lived in Illinois in over 30 years and I have NEVER collected any cash assistance from the state of Illinois .I contacted Harvard Collection and spoke to a so called manager XXXXXXXX XXXX she gave me a number to IDHS collections department XXXX and upon investigation I found out that the number was not to the Real IDHS collections XXXX I called the number and they could not verify any of the information they had no knowledge of ant debt owed by the name or account number Harvard Collection had provided with them placing that on my credit report is fraudulent and needs to be removed immediately
Product: Debt collection

This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.     The company failed to satisfy validation requirements, and all the while kept on reporting the account on my credit report as though it was an accurate account with no disputes. This is a blatant violation of the Fair Debt Collection Practices Act