23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We applied to Refi our current loan with Chase bank. So we can get a better interest rate. They told us we where approved, took our good faith money, and we even got our home appraised. They kept dragging the process on for about two months. I kept calling about every other day trying to find out what was going on. I finally I got a hold our loan officer, and she told us we were denied because my wife switched from XXXX and because she was receiving checks from a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I sent a certified letter to Experian requesting to dispute certain accounts and items. In XX/XX/2019, received an updated unfortunately stating reporting and information was verified. On XX/XX/2019, I mailed another letter requesting Method of Verification to Experian. I am 150 % sure that Experian has continuously allowed these creditors to illegally report inaccurate information and has not provided completeness and fairness of properly investigating the disputes. If Experian has properly investigated the disputes, then they would have found the inaccuracies and errors provided. However, Experian purposely has allowed the creditors, collection agencies, etc to report re-aged accounts, inaccurate payment histories, inaccurate account numbers, etc illegally.
Product: Credit reporting or other personal consumer reports

XXXX : acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a CFPB complaint and Equifax was contacted. 
Equifax opened a dispute, and these accounts were supposed to be investigated. I received a letter from Equifax Financial Services stating that a file under my SSN could not be located. However, I can view my credit report under Equifax. I do have an Equifax account. I do have an Equifax credit file. I believe this was a stall tactic, and a dispute investigation was not conducted. 

Now, according to the Equifax website, the dispute was closed on XX/XX/year>. I have not received an updated letter or the dispute results by mail. However, according to the Annual Credit Report website under my Equifax report, nothing has been updated and the accounts are not shown as " disputed ''. 

This is a violation of the FCRA. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently challenged the validity of XXXX XXXX account and it is still being reported on my most recent credit report. Upon challenging this, XXXX has deleted the account basked on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with your company, you have " verified '' the same account. It is it my understanding that the credit reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

For years dating back to 2018, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include XXXX, Equifax, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account #, 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.
Product: Checking or savings account

I am complaining that the bank branch was closed during regular banking hours. This created a significant hardship for me on a Saturday afternoon, right before the weekend. 
Today, Saturday, XX/XX/2023, I drove to the Bank of America branch located at XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( I drove a fair distance from where I was staying because this branch, according to the Internet, was one of the only Bank of America branches in XXXX XXXX that would be open today, on Saturday XXXX. I knew I needed to arrive well before XXXX, especially because I was intending to pay off my credit card, collect my remaining funds, and close my account. By the way, I have been a Bank of America customer for 50 years (! ), since I was XXXX XXXX XXXX, but I am now retired and XXXX and I have become frustrated that they will not give me a free or low-cost account. The only way to avoid most fees is to keep {$1500.00}. in my account. ) Note : This is a regular functioning branch and I have previously visited the branch as recently as one week ago. Their posted hours on XXXX are XXXX XXXX  - XXXX XXXX. I walked up to the door at XXXX XXXX  and was astonished to find the branch closed! According to my online research, today, XX/XX/XXXX, is NOT a recognized federal or bank holiday. I was super annoyed and upset to have taken significant time out of my day and to have driven a distance to get to this sole open branch on a Saturday afternoon. I needed to take care of my credit card payoff and cash collection TODAY for significant personal reasons, but was unable to accomplish my banking work due to this unexpected bank closure. Why was the bank closed at XXXX XXXX  when it was supposed to be open until XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Im XXXX Kohls charge did not have a full mobile website and lacked many features that allowed customers to make payments in time ( ie scheduling a payment, reoccurring payments ). They also did not have timely notifications in place, and did not email you until after grace period was passed and you incurred a fee. I contacted Kohls during this time as they waived most late fees as a result, but they refused to correct a late payment reported to the credit bureaus, despite acknowledging the kohlss driven issues and reversing late fees.
Product: Mortgage

XX/XX/2022 I was admitted into the hospital for XXXX. When discharged I made my mortgage payment it was 1 or 2 days over the 30 day mark. I contacted Carrington Mortgage asking for a courtesy removal of the late payment due to medical emergency. They declined to do so. I am attaching all of the correspondence involved as well as proof of the hospital stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Student loan

I have made my student loan payments on time for the full amount since I got out of school. I have several different student loans based on the years in school and I have XXXX loans being serviced by AES ( American Education Services ). The loan issue that I am complaining about is being serviced by AES. On XXXX/XXXX/15 I went on their website and submitted an ACH payment change request. The notice that was on the change request says the following " Your existing Direct Debit agreement will be stopped. By submitting a new agreement, we will not debit your monthly installment until the new agreement takes effect. Processing the new agreement may take up to 3 days during which time you will not receive the interest rate reduction ( if applicable ). you may be required to submit payments manually until you receive notification from us stating when the direct debit service will resume. '' After reading that statement I set up a manual payment to ensure my payment would not be late. The ACH payment change request I submitted was for an increase of {$490.00}. Despite the fact that the notice said my existing direct debit agreement will be stopped AES took out my normal direct debit amount and the manual payment ( in essence 2 payments instead of 1 ). After a month I received no written or verbal communication from AES so I called their toll free number and inquired as to why it was taking to long to make a simple payment change and I was informed that " it had to go to a payment change committee to decide if they will allow me to have my payment increased. '' I was baffled that they would possibly not allow me to pay additional money so that my loan can be paid off sooner. They told me to wait longer and I would receive a letter within a couple weeks. After another month ( now 2 months after the initial request was submitted ) I still had not received any communication from AES so I called their toll free number again and spoke to employee ID XXXX who besides being quite rude said they could n't determine what the problem is with my request. He guessed that I should submit a manual form and mail it in. After I explained I already submitted a form 2 months ago online he said that I should just mail a form in ( despite not providing a form ) and said that the website was broken. I did not want to mail in a form for security reasons as the electronic form is more secure which is why I originally utilized their online account. I asked what he could do to fix the situation and all he said it submit more paperwork and see what happens. I asked to speak to the office of the president and a representative ( employee ID XXXX ) took my information on what I wanted my new payment to be and said he would send it to the ACH department for them to review. The representative said they would try to get back to me within 7-10 days. This issue is still not resolved and it is making me feel as though they wo n't increase my payment which will allow me to pay my loan off sooner since that will decrease the amount of interest they receive on the loan. I wish I could request a loan transfer so none of my loans are serviced by AES!
Product: Student loan

On XX/XX/XXXX, I consolidated my student loans due to the guidance of the Biden administration for the PSLF program. However, the payments made to my loans prior to consolidation were not transferred to my consolidated loans. On XX/XX/XXXX, I submitted my PSLF form proving 10 years of payment and working at a non-profit. I thought that they would look at my full picture of my previous loans and my consolidated loans to see that I had made over 120 payments. In XX/XX/XXXX, I called Federal Student Aid ( FSA ). I was told that all accounts were being reviewed and to call back in XX/XX/XXXX. In XX/XX/XXXX, I called Federal Student Aid again. I was told that they were still going through accounts and to call in XXXX. On XX/XX/XXXX, I submitted a complaint to FSA. They closed the complaint without any resolution. On XX/XX/XXXX, I also submitted a PSLF Resonsideration Request. Again, I did not have any resolution. On XX/XX/XXXX, I called FSA again. This time they told me to call my student loan servicer. I called XXXX, but due to long weight times ( over 4 hours ), I was unable to get in touch with someone before they closed. I called XXXX on XX/XX/XXXX. I spent 7 hours on hold. They told me that they were unable to fix the problem. They said that my previous loans were marked as " cancelled, '' but they were supposed to be coded as " paid through consolidation. '' They said that they didn't consolidate my loan. So I would need to speak with XXXX. On XX/XX/XXXX, I called XXXX. The person I spoke with said that she didn't have the power to change how my loan was coded, but that she would submit a ticket to their loan consolidation group. They were supposed to call me back. I never received a call, so I called XXXX back on XXXX, XXXX, XXXX. The person I spoke with said that a ticket was never made, so she created a ticket and said that their loan servicing group would call me back. I never received a call back, so I called XXXX again on XX/XX/XXXX. The person that I talked with said that they don't handle loan consolidations and that they were just forward facing. She told me that I had to call FSA. I told her that I already spoke with FSA, but she said that there was nothing that XXXX could do. So after I hung up, I called FSA again. The person I spoke with said I needed to call XXXX. I told her that I had already talked with XXXX. I asked if I could speak with her manager. She said that they don't have managers and that I should submit a complaint. So on XX/XX/XXXX, I submitted another complaint. The complaint was closed and I received a generic message saying : " FSA is currently in the process of automatically applying Payment Count Adjustment credit across certain borrower accounts. '' I fulfilled my PSLF qualifications in XX/XX/XXXX. It is now XX/XX/XXXX and I still can not get any resolution. None of the companies say they have the power to fix the simple miscoding that was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is CXXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has continually called my place of employment and left voice messages on a public telephone number threatening legal action against me as well as threatening to garnish my wages. I spoke with the representative and repeatedly asked them not to contact me but they continue to call multiple times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has become a life changing unfortunate event in our lives and we humbly request that this wrong be alleviated by reporting honest and truthful information on my credit file. Moved from Utah to Illinois at the time, and was coerced into applying for a Kohls card account to save on my purchase, against my better judgement went ahead and submitted the request and found out that the Kohls system could not process this request. 
Paid for my purchases with my personal credit card. Never received a bill from Kohls and did not expect one as I have never made a purchase using my Kohls account or Kohls card as I did not receive one. Ran my credit report and found {$1.00} in collections, which dropped my credit score significantly. Paid the {$1.00} immediately, dealing with Kohls has dropped my credit score on three different occasions for the {$1.00}. I am demanding that the amount of {$1.00} that was charged on a card be removed for late payment as I did not know that the {$1.00} was charged on my account. Spoke to customer service on several occasions and this issue is still not resolved. Please help us, as I served this county in the United States XXXX XXXX for 20 years, and the biggest set back is this false credit reporting made for {$1.00}. My wife enjoys shopping at Kohls and we do not want to put the Kohls company on our do not use list, or warn our fellow veterans to avoid Kohls as it could potentially destroy their credit report. Please help us correct this incompetent and unfair credit reporting practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. 
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.
Product: Debt collection

Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).

The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.

In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.
Product: Credit card or prepaid card

Citibank allowed an unauthorized charge on a LOCKED, EXPIRED credit card, where the vendor had an old and no longer valid credit card number. I only noticed this when I saw negative information on my credit report, and by that time there were late charges in addition to the negativity on my credit reports. I paid immediately to avoid it worsening, called Citi, and they would not help me. They said that locked doesn't mean what I thought it meant.? I called the vendor, and they issued an immediate refund. Citi refunded all the late charges. Still, there is negative information on my credit reports that I don't deserve. I have to dispute them myself. I would like you to be aware of Citi 's deceptive practices of allowing unauthorized charges on LOCKED, EXPIRED cards. I was a Citibank customer for 21 years. I never missed a payment. My credit score WAS in the 800s. I did not ask for this. This is DECEPTIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022
Product: Payday loan

It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. XXXX, TRANSUNION AND XXXX reinvestigate these accounts below. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX