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

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$260.00}, XXXX  XXXX Balance : {$2300.00}
Product: Credit card

I have been denied a credit card from Barclay 's via email after a hard inquiry on my credit account. I would have never even known about you or this XXXX XXXX XXXX XXXX had it not been for the stewardess aboard our flight to XXXX  DC. The alure of the XXXX flight miles was very convincing. 

However, things have not gone well. I got the email and it referred me to a link to a different site. The statement of denial was seen, but the site has a grayed-out XXXX  is not able to be opened which is supposed to explain the decision. The print option is also inoperable. The page functionality is useless to me. 

Since these options were not available, I did ask for the rationale for denial to be sent to me. But, there is no return email address and the phone number given basically puts you into a loop requiring you to go to the app. However, because I was denied, I don't have access to the app. 

My credit report cites a XXXX value with no missed payments for the last 6 years and yet you chose to deny me for no known valid reason. Now, with a hard inquiry, my score will fall temporarily with no known valid reason. 

Professionally, XXXX XXXX XXXX, MD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX gas card is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from XXXX XXXX that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to XXXX XXXX and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called XXXX XXXX and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and XXXX XXXX needs to correct the information that they have sent to all three credit bureaus.
Product: Credit card

I reached out to Citi bank when the balance transfer of XXXX was to be processed on XXXX and it didnt take place. I also reached out to synchrony bank and both banks said itll take a week to process. In XXXX I filed a dispute because it still didnt process. Then in XXXX I had Citi bank send me proof of payment and I sent it to XXXX but it wasnt sufficient enough for them. So I did a XXXX way call with both banks on XX/XX/year> and the rep. from Citi bank told the rep. from XXXX without me listening, what exact account the balance transfer went into. It wasnt my account. The rep from XXXX XXXX XXXX, found where the money went to and said the customer was requesting a refund. She told the rep from Citi to send proof of payment. So we sent it again but it wasnt sufficient enough for XXXX XXXX So on XX/XX/XXXX, Citi bank sent proof of payment again to XXXX but theyre not accepting the proof again. XXXXXXXX XXXX  wants Citi bank to send them a complete bank statement of the copy of the processed check, front and back within 15 days of today.
Product: Student loan

I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experion and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life
Product: Credit reporting or other personal consumer reports

Today, I discovered unauthorized credit inquiries that I can't explain. I regularly monitor my credit report, but this time there were discrepancies that appeared out of nowhere. I refreshed my browser, thinking it was a glitch, but the unauthorized inquiries didn't disappear. I'm asking for a thorough review of the documents I sent to resolve this issue and to stop it from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX ( Home Equity ) on my credit reports with XXXX, XXXX and Transunion. 

I am including a copy of the following Transunion credit report, File Number : XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, Items as of date reported : XX/XX/XXXX. 

The Transunion report shows that the " Pay Status ''  XXXX XXXX, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the Transunion credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my XXXX credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The XXXX report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.
Product: Debt collection

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank youXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00},
Product: Debt collection

I've received a response stating they need more than 30days to investiage.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.
Product: Credit card or prepaid card

I have had a Citgo XXXX card since XX/XX/XXXX. It has been closed for many years, but I have an auto payment drafted every month for the minimum due. 

Every few months, I check my account online to see how much the balance is, or other information about my account. 

Today I attempted to log in, but was unable to. The bookmarked site says the website is no longer available and listed an XXXX number to call. 

After multiple frustrating phone calls, I finally spoke with someone in the technical ( website ) part of XXXX who notified me that since my account was closed, there was no way to access my account online anymore. 

My stance is that as long as there is a balance owed, the account may be " technically '' closed for further purchases, but the account is still OPEN for making payments. ( If they want to close the account and write off the balance, I am amenable to that option. ) My issues are twofold : one - how can it be okay to not have online access to my account while there is still activity? And two,  was anybody going to let me know this was happening? I received NO notification about this from anyone. I 'm actually surprised that the autodraft continued uninterrupted. 

[ Some of the customer service reps said that Synchrony Bank bought out those Citgo XXXX accounts. I have no communication from Synchrony Bank as to whether this occurred. I might have a problem with Synchrony Bank debiting my bank account every month as I did not authorize them to do so, unless, of course, the fine print stated that the assigns of XXXX would have the same authority. ] What if I wanted to change the amount I pay every month, or the bank from which the payment is taken, or to check my balance or to verify the interest rate I am paying? And, again, nobody bothered to notify me of this change. I still do n't know when it actually happened. The last time I accessed my account online was in XX/XX/XXXX this year. It is unbelievable with today 's technology that XXXX or Synchrony or anyone is unable to keep an " account '' open while a customer is continuing to make payments. Surely there 's no shortage of server space.
Product: Debt collection

Contract Callers , Inc has listed a collection on my credit report regarding the amount of {$160.00}. Please be advised that Contract callers HAD NO RIGHT to list the collection on my credit report because they have never spoken or sent me a debt validation letter. I have not received any noticed stating the debt that I owed with the date form the debt and who the original debt collector was. 
I believe that this third-party debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ). The law that was broken from Contract Callers is : Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, including the reporting of false information to credit reporting agencies.

Section 808 ( 15 U.S.C. 1692f ) : Prohibits unfair practices, which can include reporting information without proper investigation or verification. 
THIS IS AGAISNT THE LAW I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Student loan

Company Name is NAVIENT. I received notification in XX/XX/2017 that I was a class member of a class action lawsuit that was filed against Navient. When I went to make my payment in XX/XX/2017, I had to phone them because I did not receive a statement and that is when I was told that there was " no payment due '' on the loan because it was placed in forbearance due to the class action lawsuit and that they could not accept payments. Navient also told me that I would be notified when payments would resume. So periodically over the past year I would check the account online or call them and would be informed that it was still in pending litigation and no payments are due. Once again I just checked my account online and noticed that still no payments are due but the unpaid balance was much higher. I wanted to view my account history to see what the additional charges were and it still is not available for my viewing. So had to phone them for the answer and was told that it has been accruing interest, interest rate increases and fee 's since they placed it in forbearance. I am furious because this was never disclosed to me and I suspect it was being hidden because the historical transaction history was never available for viewing. The CFPB needs to step in because if this is happening to me and I am only 1 class member just imagine how many others are also being affected.
Product: Mortgage

On XXXX XX/XX/2020, my mortgage at XXXX XXXX XXXX XXXX was purchased by AmeriHome Mortgage. The balance and escrow accounts were not transferred correctly, and AmeriHome Mortgage now shows that I owe approximately {$60000.00} more on my mortgage than what I had paid to XXXX XXXX XXXX XXXX. The escrow account reflects a balance roughly {$3100.00} less than what I paid in to XXXX XXXX XXXX XXXX. It appears that additional principal and escrow payments that we made ( above and beyond our monthly mortgage payment ) to XXXX XXXX XXXX XXXX, did not get transferred over to AmeriHome Mortgage. I am getting the runaround from both banks, and no one seems interested in aggressively tackling the issue.
Product: Debt collection

Sent certified mail request on XX/XX/XXXX to ask for validation of debt. Informed that all attempts to collect should cease until validated within 30 days. Theyve not validated and have called. And reported to the credit bureaus.
Product: Mortgage

I filled out some information online to see what things I would need to do to start preparing for buying a mortgage. I started to get calls from Rocket Mortgage immediately to which I answered the call and it was a woman named XXXX XXXX. We had about a 30 minute discussion arounXXXX XXXX XXXX  MST and she then told me that she would be calling me back within an hour to discuss a plan on how to prepare for buying in a couple of years as I am NOT buying until then. The call never came. The next day she called me and I told her that I waited for her call the previous day and not getting it and her calling me the next day that I no longer wanted to speak to her, hear my options or be in communication to please not contact me again. The previous day when we did speak I had already told her I work from home and needed to do things via email for the most part and to please email not call and that her not even listening to me on that after she didn't call back when she said she would is not what I am looking for. That if someone says something and it is business related I expect follow through and not to have to deal with someone that does not listen. I told her all of this when she called the next day and then she proceeded to still send emails anyway. In those emails she would start it out with " per our conversation I am following up with you on '' .... Per our conversation AND an email I sent to her I asked her to STOP contacting me and she did not have my permission to run my credit ever again and to basically leave me alone. Here we are a few weeks later and this woman has not stopped contacting me. I sent another email asking her to stop and stating that I will be seeking legal action. This is harassment and not acceptable. She has my information and is untrustworthy having people 's information. In the email that was recently sent, it said to allow any inquiries on my credit from Rocket Mortgage and this is AFTER I already told her to stop on the last phone call I had with her and via email. She is blatantly ignoring my requests and proceeding to do as she wishes with my information. This is illegal. I have told her to stop verbally and in writing. Her name is XXXX XXXX with Rocket Mortgage. This is her contact information ( XXXX ) XXXX ext. XXXX ; Email XXXX Her NMLS is XXXX Please make her stop. She does not listen to me and she is abusing access to my information. This is not ok or acceptable treatment of any potential client.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX TransUnion, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted TransUnion via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Product: Credit card

Purchased a XXXX XXXX bag on XX/XX/year>. Item received on XX/XX/year> and noted it was a different color from the website. XXXX via mail to New York on XX/XX/year> with tracking XXXX. They received the item and refused a refund. Initiated dispute with Apple on XXXX XXXX after XXXX XXXX refused any resolution. They sent back the item and I reshipped it back to them on XXXX XXXX and they received it XXXX XXXX with tracking XXXX. The purchase total was {$710.00}. They refunded {$530.00} and noted that since Apple has the dispute open, the remaining {$170.00} will be given to me on their end. XXXX XXXX officially closed the case that same day. Now, the remaining {$170.00} was denied by Apple because they did not resolve the case on time. I asked them to speak with XXXX XXXX and they refused. XXXX XXXX sent proof that Apple would refund me on XX/XX/XXXX, as circled in the image. Apple is at fault for not solving the issue on time and for not contacting XXXX XXXX for information during the dispute.