23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX purchase a pet from XXXX XXXX in XXXX, FL and he was about 4 months old I call to speak with the doctor after taking him to my physician. I advise them the dog had a XXXX and i didn't want to keep him they advise the dog has to be return in 2 days. I advise I didn't want any part of the contract they had me sign and that they were ripping me off just to get the dog off there hands so I spoke with someone from this company advise the dog got sick I couldn't afford him that way and he was taken to XXXX XXXX where they didn't know what was going on without charging {$600.00} to {$700.00} for everything to be check out on the puppy so the following month he past I advise the gentlemen that call and he said ok let me see if i can get a settlement on the account. I never heard back from this company two months later got a call from the same person he was being rude saying you need to pay the bill and advise not paying you all went from {$2000.00}. with 5 payments of {$240.00} a month to now {$4800.00}. That is being reported and it was charge off at XXXX so I '' m filing a complaint on XXXX and the credit reporting agency 's XXXX   This is the email trail to the company never receive one letter. 
XXXX via XXXX XX/XX/17 to me Account Number ... XXXX Merchant Name.XXXX XXXX Dear XXXX, Your monthly XXXX statement is now available for viewing. You may access your statement by visiting XXXX 
For your convenience, and to avoid potential late fees, you can setup your payments to be made automatically from either your checking account or debit/credit card. Please login to XXXX  or contact Customer Service to establish an automated monthly payment schedule that is convenient for you. 
If you have questions regarding your account, please contact Customer Service at XXXX during our office hours listed below. 

Regards, Customer Service XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday They also block the payment site so I wouldn't able to know what owe and this after 2 1/2 months of not paying this company. Puppy mills should be close down because you never know what kind of puppy you will have.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress.

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Product: Vehicle loan or lease

Vehicle was paid off in XXXX. We have been unable to find title. Went to dmv they said Hyundai finance still showed lean. We contacted Hyundai they told us we could log on and print release letter. This letter and information was not accepted by dmv they requested a notorized letter. We contacted Hyundai finance XXXX. We're informed that they would process release and we should expect in about 14 days. After 21 days or so we called back as we had not received it. We were once again told it would be sent. Few weeks passed and nothing. Third time we called they told us it had been sent to XXXX XXXX We contacted XXXX and they have no info on receiving any letter. They also stated there would be no reason as to why they would receive it as the car was not totaled. We contacted Hyundai finance once again, after speaking to supervisor they were going to " escalate " to next dept. Waited for response with nothing. Contacted them again only for them to just go back to say we need to contact farmers. We again contacted XXXX they say there is no reason they would have it not a way to get it. I have tried for past 3 months to get this resolved with no apparent effort or reasoning by Hyundai finance
Product: Checking or savings account

on XXXX XXXX-2017, was charged {$34.00} for insufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for in sufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds/overdraft fees XXXX XXXX XXXX-2017 was charged {$34.00} for insufficient funds/ overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds-overdraft fees. All these charges are not justify from their rules and regulations, therefore i requested a full reversal all the above charges XXXX-2017 ( at the time was only 3 times charged insufficient funds fees spoke to XXXX XXXX XXXX ( manager customer service for jp morgan chase ) and she totally deny any credit back to me and also she was unwilling to give me her id number. jp morgan chase has manipulated their rules and regulations so they can charge customers unjustified fees. the followings will describe how jp morgan reformulated their rules so they can steal money from consumers. # 1Last year they closed everybody overdraft protection accounts ( customers will have a line of credit to use it when account will go overdraft so they may charge over the limit fees # 2 they allowed checks to go in the account anytime during the day so they may charge customers fees unaware of the activity in their account # 3 i used login in the early morning in my account and see all the pending charges and covert them accordingly to a time frame regulated from the bank example : if a transaction will be pending status for {$500.00} at XXXX XXXX and only have {$300.00} in the account will make a deposit by XXXX and covering now checks are allowed in the account anytime of the day so the pending status does not exist anymore. its not fair that jp morgan abuse his customers this way and we all deserve a fair way to be treated even if we struggling financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX TransUnion I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
Product: Checking or savings account

Bank of America had fraudulent debits to my account last year and reversed all the disputed transactions and also closed my checking account and opened a new one. This involved a lot of inconvenience and till date have not shared with me any root cause of the issue. Today I noticed a debit of {$10.00} created a company called XXXX out of XXXX XXXX. They have created a recurring debit. There is no way this happened due to my fault as I dont use Bank of America debit cards nor do I store it anywhere. So I am concerned that BofAs internal processes are weak and this is leading to compromising my account. Pl investigate and ensure that they invest in proper infrastructure/ systems to fix this thanks
Product: Student loan

I filed a complaint with CFPB against Mohela for the fact I did not get my student loans forgiven under Borrowers Defense. Mohela responded that they were working on it. They then updated and said they were given the written consent to discharge {$63000.00} per FSA. It was removed from my Mohela account. I contacted them concerning a remaining balance that should also be discharged under the XXXX XXXX XXXX  case. I spoke with a supervisor who said it is still being worked on and that it will be if anything else is supposed to be forgiven. This is why I am in forbearance until XXXX. Today, XX/XX/year>, I see that Mohela has added back the discharged loans and put me in forbearance. I spoke with an agent who then told me I have to renew my plan, and if not, my payments will start again in XX/XX/year>, which it is not supposed to. She also told me that the issue is not with Mohela but with Borrowers defense and I should speak with them. Hence doing the same thing they been doing which is deflecting and making it someone else problem when it is clearly theirs. They were given the written consent to discharge which they did and now they have added it back. At this point Mohela is playing games and doing what they want to do and not being truthful. They submitted the letter to CFPB and never gave me the letter in my inbox. I had to request a supervisor send me a letter showing the discharge. Mohela at this point, is causing significant stress to me and my family with the dishonesty.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols..
Product: Mortgage

My mortgage for my house at XXXX XXXX XXXX XXXX NJ XXXX XXXX is below 78 % at the moment and my servicer ( Mr. Cooper ) refers me tXXXX XXXX XXXX XXXX  guidelines for a need to get a home appraisal to cancel the PMI despite the XXXX  Homeowners Protection Act. When I called Fannie Mae, they told me their guidelines are 75 % for loans 2-5 years old, hence I will continue to pay PMI until i reach year 5. This violates federal law. Law can be found at : XXXX XXXX XXXX I would like this to be investigated and proper action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and my personal information is incorrect. This is not the correct spelling of my name. Please remove from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.
Product: Debt collection

The National Credit System garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted them and explained that the issue is still showing on my report and I need confirmation that it was supposed to be removed. As of now, it still shows that I owe the company the debt amount, but aligned with different account numbers. I have documentation from my previous employer that states that the debt has been paid in full.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report today, and I can not figure out why. While checking my credit as I normally do, I saw these discrepancies that came out of nowhere. Refreshing my browser didnt remove them, which made it clear this is a real issue. Im incredibly upset and demand that my submitted documents be carefully reviewed to ensure this problem is resolved for good.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am seeking help about an issue about some account on my credit report that does not belong to me and I never made transaction with. I have already report this to FTC and should now being investigated. I am also asking your help to reach out to the credit bureau Transunion to block this account from my report as per FCRas block information section.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

773.69 % interest rate I borrowed XXXX in XXXX XXXX I have to pay back XXXX by XXXX XXXX. XXXX in deducted from my back account every week. To date I have paid back over {$2000.00}. This is a predatory loan. I cant afford to keep paying out another 8 months. When calling and talking to them about deferring a payment they want me to double up the following week. I need to reach a settlement agreement and stop authorization from them taking money out of my bank account.
Product: Student loan

MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps lying about a bankruptcy on my credit report they stated that a data furnisher is verifying that this info is correct for one i have a letter from the court telling me that they dont offer such information and that they have not been in contact with experian, experian is using third party vendors or using the name XXXX  still who is not me and coming up with this info its not on my XXXX  or my XXXX  report this hinder me and stopping me from applying for credit im going to sue regardless at this point they keep sending me the same response theres no one that can verfiy or publish inaccurate info to my credit report this is completely wrong and against fcra i will be filing a complaint with the owner and the XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I have reached out to JP Morgan Chase auto finance to request verification Of a XXXX XXXX XXXX. I have noticed something strange on this account, so I asked the representative to verify this account and to mail me everything. all I received was a chase logo address with my name and some type of finance charge that is not proper send missing the contract and the finance charge papers. I have waited more than two weeks and today XX/XX/XXXX, I reached out to chase and ask them again to send me the original contract with my wet signature. that representative who took my call she assured me that she sent me the contract and the finance charge which is the one I am attaching on this file I also told the representative to follow the procedures of 12 CFR 1006.42 which is required by law the representative misleading the communication tell me to reach out to my local post office and ask them why my mail have not arrived and just for the information she mislead my mail is received accurately on my address I am asking JPMorgan Chase to follow those procedures and if you can not verify this account correctly remove it from my credit report there is a procedure that you JP Morgan Chase auto finance needs to obey and follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Product: Debt collection

XXXX XXXX XXXX ( Duvera ) intentionally made themselves impossible to communicate with during the global pandemic at the very beginning of my loan. Most agents did not fully communicate in English, misunderstood perhaps intentionally, and debited my accounts on wrong dates/dates not agreed the first two payments. There were hold times of almost two hours, and it was heartbreaking when the agent obviously couldn't fully communicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them to pick up. In hindsite, they intentionally caused the loan to default so I would pay a year of interest before I was elligible to pay the principal. They were obstructive at every step and are predatory, and I'm sure tactics are illegal. I was victimized by this company.
Product: Credit card or prepaid card

Granddaughter ( XXXX ) used her CR.CRD. w/XXXX - reached her limit. Then .... 
XXXX accepted more purchases and charged MY credit acct. totaling over $ XXXX. 
My disputes with Citibank/Costco have been denied. ( We share address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Debt collection

I have not had any response from the company in regards to this debt. I have asked them several times to verify my information and they have failed to do so. I am requesting to have this information removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I had a background check done for employment. As I was scanning the addresses there is one that does not belong. The incorrect address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. That is a trailer I do not live in or own or rent during XXXX. I currently reside with my family for 15 years at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Since XXXX till current. Can you please remove this. I am not sure if this is identity theft.