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

I called XXXX XXXX on XXXX XXXX to see if I could reach a settlement for a delinquent account on a defunct voluntarily repossessed auto. I spoke with XXXX at extension XXXX. She offered me a settlement on the XXXX debt. I accepted and paid it the same day during business hours XXXX XXXX. ) I was expecting the SBA to pull my credit for an Economic Disaster loan for my businesses which were effected by XXXX. I disputed with the credit bureau Experian on the same day or next day. They completed the dispute in 30 days. It came back as verified even though I have documents that it was paid. I called Experian after the 30 days. I spoke with an agent who put the dispute in again this time with my receipt letter. Yesterday XXXX XXXX, 2020, I called XXXX XXXX and spoke to XXXX. She said she will email me a form to submit a dispute directly with XX/XX/XXXX. The damage is done. I believe this is a violation of the Fair Credit reporting act, the Cares Act and possibly others and am seeking remedy. I needed this off of my credit in a timely manor as I am effected by covid-19 and needed to get a Cares act Business Loan and this process has hindered my application process thus my livelihood and survival.
Product: Payday loan, title loan, personal loan, or advance loan

The company emailed me stating I was pre-approved for an offer. I wanted to look into the offer, but made it known that I did not want a hard pull to my credit. After being approved for the pre approval process, I decided to move forward and attempted to go through the entire process to get approved. I understood my credit would undergo a hard pull for the purpose of receiving funds. I was told I was officially approved for XXXX XXXX dollars online.Then a representative called me and stated, I had to refinance my vehicle under one main financial in order to get approved for the loan and that the loan would be for {$7000.00} and not {$15000.00}. He asked me for additional information which I provided. And then told me, I was not eligible for the loan at all. When I asked why I received an email confirmation stating I was approved for {$15000.00}, he stated he could not tell me why that would happen. He stated there was nothing he could do about. The horror pool to my credit. I feel like I was tricked into providing very sensitive information and having a hard pull on my credit. I feel like this company exploited me during weakness. I can not afford a hard pull to my credit as I am already trying to get out of other debt.
Product: Credit card or prepaid card

In XXXX I took out a discover credit card. I had a small limit that I gradually increased over the next 4 years. Looking at the history I had an excellent payment record. In XXXX when the world got crazy my purse was stolen and everything in it including my id, all of my bank cards, all of my credit cards, my social security cards, car keys, my kids social security cards everything. I started getting messages from XXXX XXXX stating that if I did not return a rented vehicle within a specific amount of time it would be reported as stolen. I knew only one individual who recently rented a car from XXXX during this time and when I confronted her she stated that she made a mistake and thought she was using her husband 's discover card. I did report her to the police but she returned the car immediately after I had confronted her, so she didn't have the car when they went to speak to her and I confirmed with XXXX that they received the vehicle. The transaction still went through on discover when I had a {$1900.00} limit beyond {$5000.00}. Police department told me that I would have to go to XXXX Missouri to file a police report because the crime was committed there. They told me that without the car, nothing could be done and I would either need to take her to court over the bill, or I could resolve it with discover directly by reporting my card as stolen. I was under the impression that I had theft protection and fraud protection through discover. XXXX was not interested 8n helping me because they had already been paid and as far as they were concerned everything was in good standing. I filed with Discover that my card had been stolen. Multiple times they opened a dispute, removed it from my credit for which I resumed payments that were actually owed, only for them to add it back to my credit report. This alone has completely destroyed my credit the medical bills were not even an issue before the drop due to Discover. The stress felt by trying to resolve the issue and severe XXXX arguing with them and XXXX from not understanding why they kept adding it back watching my score destroyed ..... I don't understand how I reported it stolen and there is absolutely no theft protection with this card. I was even willing to pay the nearly {$2000.00} debt that I was supposed to pay because I requested a new card with a new number and was continuing to use my account, not aware of the pending XXXX charge. I had even reached out to XXXX over a {$40.00} transaction I saw on my statement in XX/XX/XXXX and they apologized and refunded that random charge so I thought the issue was fixed because I have never rented a car in my life and thought it was a fraudulent transaction. By XXXX XXXX surpassed my XXXX credit limit with Discover and cost me over {$5000.00}! I'm not paying anything if they're not going to protect me from theft!! They closed the account in XXXX and they're still negatively reporting every month. I'll never trust a credit card company again especially a major one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Product: Student loan

I am currently XXXX XXXX XXXX and have been for 20 years. My student loans were consolidated via Sallie Mae ( now Navient ) back in XX/XX/2006 and I discovered a few years back that they type of consolidated loans they recommended me into do not meet the criteria for Public Service Loan Forgiveness Program, so now I am stuck making payments on what still remains to be a {$20000.00} debt ( at 4.25 % ), when I feel I should have been guided by them to consolidate into a loan type that could have been forgiven. I have continued to make my payments on time and my account is in good standing. I am still honorably serving my country and am asking for assistance in seeing if this student loan debt could somehow still be forgiven via that program. 

Thank you for your consideration.
Product: Debt collection

They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

We applied for a loan with Penny Mac. After discussing with the loan officer the what the situation was he decided that we should get a certain type of loan. We paid a {$100.00} fee and provided all documentation. We began getting stuff in the mail that our credit has been run and also documentation from a company stating that they would be handling the closing etc. I was under the impression that we should be closing soon and I reached out to Penny Mac on XX/XX/XXXX knowing that we should be closing soon. I was told that someone would call me back. On XX/XX/XXXX I reached out again because I had not heard back and at this time I was told that the loan had been moved to an in active status and that someone would reach out to me. I had not heard back and reached out again on XX/XX/XXXX and requested a call and was told that the issue would be escalated since this was my third time asking for a callback. I received a call back from XXXX XXXX who said that she was a manager and that the company had failed to do their job and to inform us that we were not approved for a loan and that we had four days left on our locked in interest rate and that she would take the loan in front of the board on Monday the XXXX to see what they could do. I once again had not heard back so I reached out to XXXX yesterday and finally received a call back and was told that there was nothing that they could do and that we were not approved for the loan even though they had failed to inform us in the time period they are legally suppose to. We have now lost out on a locked in interest rate which was a lot lower than what I can get now and I am having to pay interest and try to find another company
Product: Money transfer, virtual currency, or money service

I asked for a copy of my CONSUMER report. Means an individual who enters into a transaction primarily for personal, family, or household. 
You accepted a trust ship and created a fiduciary obligation for the trust I have a certified securitization auditor from XXXX who retrieve MY CUSIP # XXXX CFR state any hold of the consumer credit contract the debater can a assert they rights. I have every company and have how many times my securities been sold I've been denied a small portion securities exchange would charge the whole company with ( securities fraud, money laundry, A violation of trust agents act, ect )
Product: Credit card or prepaid card

I received a bill today for a {$400.00} charge to my Kohl 's account. Card ending XXXX there are no statements available on line. there is no itemization of what the charge was for other than ecommerce. the purchase is not in my online transaction history. 

I called and was given the run around by the first rep who said she would update some notes. She could not confirm a fraud report. She said something was opened XX/XX/2022, which happens to be the same day as my bill. 

I asked for confirmation in writing and she refused. I hung up and tried again, this time asking for a US rep. He then transferred me to the XXXX. I do not verify my social security number outside of the US because I would have no recourse or ability to try and stop it overseas - you all at the CFPB should put an end to this practice industry wide as well. 

US agent ended up transferring me to the XXXX where the guy on the phone could not verify my account number because he actually needed my card number. He said he could not confirm anything in writing and that there is no mailing address for fraud reporting and Kohls does not even have a single fraud agent in the US. This is beyond frustrating. 

I want the fraudulent charge removed, all late fees and penalties waived and reversed and the statutory penalties for knowingly and falsely sending me a bill with charges that do not belong to me. 

I also want to note that their online system has always been an issue. Nothing can be resolved from there. I tried to download statements to see where these charges came from or where the items were sent - online credit card site says that there are no statements and no transactions in my history, yet I am being billed. 

This is extremely shady and I am pretty sure Kohls is doing this on purpose. The fact that they want me to monitor a fraud report, that I did not initiate, and then call back in real time to have resulting late fees on top of the fraudulent charges waived- is ridiculous. This needs to be looked at system wide - how they handle their late fees. they seem to be capitalizing on consumer fraud. 

Other notes from my call : XXXX XXXX XXXX XXXX XXXX supervisor No fraud department in the US Reported originally on XX/XX/2022 XXXX Fraudulent Activity was reported XX/XX/XXXX and XX/XX/XXXX they still sent me the bill on XX/XX/XXXX. Supervisor admitted that they know that this was not my charge, and they billed me anyway and the Refuse to give me a writing. At end they say letter is in the mail Refused to remove charge immediately Refused to remove the late charges ( I believe there are 2 ) First rep refused to transfer me to supervisor. 
Advised that there is no way for a US consumer to contact any human being in the Untied States by email, mail or phone to report the fraud. 
Also stated that once the charge is removed it is up to me to call back to remove the late fees and penalties. 
This is absurd. 
I want all fair credit penalties under Federal and State law for this. 
This needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was traded and paid off, showing late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I am getting calls a minimum of three times a day, usually every hour starting at XXXX XXXX   EST. 
Example : XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX Not only do they call multiple times daily, they will call from an anonymous number and leave ( sometimes ) multiple prerecorded, nonspecific voicemails.
Product: Credit reporting

I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXX  reporting for XXXX XXXX XXXX  and they refuse to update Experian and XXXX this is what they show when I dispute it as too lazy to update it with correct info in front of their faces. They are still showing XXXX on the report owed too lazy to update it. 

To : XXXX XXXX XXXX : From XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX RE : XXXX Reporting : Refuses to Update this Correctly, todays Re : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account number Status XXXX XXXX XXXX  XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX and XX/XX/2015 Southstate Bank removed money from my construction loan for the installation of a FIREPLACE in the home at XXXX XXXX XXXX SC XXXX The problem is there was NOTHING in the plans for a fireplace and there was NO fireplace installed. I was recently made aware of this because they did same thing involving another home of mine.
Product: Credit card

I have always made sure to pay this account on time, avoiding any overdue payments. I do not understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors need to be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Kikoff Lending LLC regarding the inaccurate reporting on my credit report and the failure of the company to respond to my dispute attempts.

Inaccurate Reporting : Kikoff Lending LLC has reported my account as being 60 days late in XXXX XXXX, 90  days late in XX/XX/year>, and 90 days late again in XX/XX/year>. This information is entirely false. I have consistently made all payments on time, and there is no legitimate basis for this late payment history to be on my report. 

Account Balance : Additionally, the account is showing a balance of {$6.00}, which is also incorrect. The account should reflect a {$0.00} balance, and I do not owe any outstanding amount to Kikoff Lending LLC.

Failure to Respond : I have made multiple attempts to contact Kikoff Lending LLC by sending dispute letters to the address listed on my credit report, only for the letters to be returned as undeliverable or ignored without any response. The companys failure to address my dispute is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.
Product: Money transfer, virtual currency, or money service

Paypal banned my account last XXXX XXXX. I complain the legal agreement to permanently limited my account i don't know the reason and ask the costumer service always say i have a violation to the agreement the auto bot always say that no exactly why my account have violation.My account just only received payment for the services please help me to unbanned my account to paypal thank you in advance to helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.
Product: Payday loan

This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX