23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Not reporting anything on my credit report. No score, No accounts, no. Nothing at all. And has been his way for a lo g while as the other XXXX ( XXXX ) XXXX & XXXX DO & HAS CONSISTENTLY.
Product: Credit reporting or other personal consumer reports

I Recently Reviewed My Credit Report And Noticed An Account That Was Not Reporting Accurately. I Had More Than To Late Payments On An Account That Was Paid On Time. The Consumer Reporting Agencies Need To Report All Information With Complete Accuracy. This Account Has No Been Late On Payments Ive Attached A Copy Of My Report To This Complaint On The Following Dates ( XXXX ) Im Now Requesting You Investigate And Provide Proof With Records Showing That I Had Late Payments. If This Information Cant Be Verified I Demand I Demand These Payments To Be Updated On Time Immediately. Thank U For Your Understanding And Proper Actor
Product: Mortgage

I input a complaint thru CFPB in regards to Selene Finance Company adjusting payments made to my mortgage that have not been applied. I opened a previous case regarding this issue and received a letter from the company stating that the payments will be adjusted in 60 days, that was in XX/XX/2022. Since I have not heard from them so I called and was told that they have not adjusted the payments and didn't see any notation of doing so, but that I am now in Foreclosure. The previous case number is XXXX. Selene has not responded. This is an update for case XXXX which was closed on XXXX XXXX XXXX. Please see attached correspondence to Selene.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Note previous report contained grammatical errors and missing keywords. Please disregard complaint XXXX** I received a report from XXXX a couple of month ago stating my identify was on the dark web. On XX/XX/2018, I sent a certified letter along with my proof of address to Transunion to remove unverified fraudulent accounts on my credit report. Instead of responding to my claims, they sent a stall letter on XX/XX/2018 stating the proofs of address were unacceptable. Within a few days, I called Transunion to update my address. Nearly one month later, I still have NOT received a response to verify the accounts. I filed a FTC report on XX/XX/18 and faxed the FTC report along with my ID, social security card, and a copy of section 605B of the Fair Credit Reporting Act which states the credit bureaus must block the fraudulent information within 4 business days. I called Transunion today on Friday XX/XX/2018. They stated do not have to follow the FCRA 605b law and block the fraudulent information. I asked why they will not block the information and Transunion stated they do not have to tell me why. XXXX  has deleted and block the accounts and inquires listed on my FTC and I would like to Transunion follow suit and do the same as well.
Product: Student loan

I orginally started with just two direct loans one subsidized and one unsubsidized loan with XXXX. I learned that had expanded over my attendance at devry was actually 9 loans each with different interest rates, to which i was never notified or was had explained. This has made my loans near impossible to pay with minimum payments being 500+ dollars, this has negatively impacted my credit greatly. And also has caused my much emotional and mental distress.
Product: Debt collection

Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.
Product: Credit card

I closed the account with citibank # XXXX exp XXXX/XXXX/XXXX name XXXX XXXX. XXXX and spoke to supervisor XXXX on XXXX/XXXX/XXXX at XXXX. central time. At that time XXXX told me that my recently paid fee of {$95.00} plus fees of {$26.00} would be credited back to my checking account since the account was closing. I verified that this would be the location of the refund since I can not use a " credit '' on a closed credit card account. To date ( XXXX/XXXX/XXXX ) I have received nothing and calls to them end in no one knowing anything. I want this money back in the checking account it was paid from.
Product: Debt collection

On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXXXXXX XXXX XXXX XXXXXXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Credit card or prepaid card

On the month of XX/XX/2023, there were several fraudlent charges on my Citi Bank Credit Card, which I have informed my bank and the bank is not accepting my dispute, instead the bank is saying that I owe them money. I have reported the bank about all the disputes as soon as I have reveived my statment and they mentioned that they will remove all the charges and my balance was negative ( - {$20.00} ). And now they have put on all the charges back to my account. 

As I told my credit card company that I don't recognise the charges and I want to dispute all of them, still they are not helping me on this matter and they have sent a bill of {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX  credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from TransUnion of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.
Product: Credit reporting or other personal consumer reports

This company has violated my consumer rights under 15 USC 1681, they have failed to provide me with accurate information as well as reflect that in there reporting. The account was a XXXX XXXXXXXX card. I lost the card and attempted to settle the account. Everytime I would contact XXXX they would tell me that I couldnt pay on the account, to settle the account I wouldnt have to reapply for another card/account. Which I did and that didnt work I was denied. I called back after I received the decision and let the agent know. They agent then transferred me to and agent who was working for XXXX who stated they now have control of the account. I explained to the representative that I was denied payment directly thru XXXX XXXX  and was told that I would have to reapply to submit payment when that wasnt the case. XXXX representative told me that whatever took place prior they are not responsible for and prior information that I was given. I asked for removal of the debt since the original debt owner denied me payment and provided me with inaccurate information. She said she would update the account with my current information and notate it. I see they have sold the debt again and are harassing me. The new company has a TRUE ACCORD.
Product: Checking or savings account

Companys involved : XXXX & key bank Key bank report number : XXXX ( Police XXXX and report number ) Police report # : XXXXXXXX XXXX XXXX XXXX # XXXX Detective Direct Number : XXXX XXXX Ohio XXXX XXXX : XXXX ( XXXX XXXX XXXX  Id ) : XXXX  XXXX I was running a small studio business out of my house I had a client XXXX me at gunpoint ( XX/XX/2023 ) and took all my money including other valuables He took my phone that was on my desk and sent himself {$530.00} On XXXX I didnt authorized this transaction I contacted key bank about this transaction and they resolved it in a timely manner but then a few months later I open my bank and see {$530.00} Missing out of my bank account they said the evidence I gave them was not enough so they took back the funds. I called key bank and asked to re open the case and gave them police report numbers and they said they would give me a resolution by XX/XX/XXXX Fast forward to XX/XX/XXXX I call back key bank and they say that the investigation is still going on and waiting for XXXX XXXX Ive given them all the information they could need including police report numbers Dates Police phone numbers listed above But they keep delaying a resolution I called XXXX  support and they keep telling me they are working with my bank to resolve the issue but theyve just been delaying it
Product: Debt collection

Back in XXXX or XXXX of 2023. I found a suspicious email from a synovus bank, stating I've signed up for paperless banking. I've never open an account or tried to open an account with them. So I called, spoke with someone who stated, yes, there was an account opened in my name. There was {$50.00} in the account and it was in good standing. I told them it was not my account and that someone had opened it in my name. She wrote her notes, assured me that this account would be red flagged and locked. She also assured me that nothing else had been open in my name. 
From there I locked all my credit bureau access. Fast forward to last month I get a notification from credit karma that stats a new account has been added yo my collections in the amount of {$5000.00}. From XXXXXXXX XXXX XXXX. Original creditor is Synovus bank.. I was assured by them nothing else was in my name. Apparently that was a lie. I now have {$5000.00} that I need help getting removed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a credit inquiry from Comenity Capital Bank on my XXXX credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to XXXX. Both came back verified with no proof. I called Comenity Capital Bank on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, Comenity Capital Bank and XXXX  are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.
Product: Checking or savings account

On XX/XX/year>, my Robinhood account was locked for review. Since then, I have been unable to access my funds, which total over {$150000.00}. Every day, I receive a notification in the Robinhood app stating that my case is under review and that they will notify me by the following day. However, they never provide an update, and the date for resolution is continuously pushed to the next day. 

I first reached out to Robinhood customer support by phone on XX/XX/year>, and was told that my case would be escalated. I was given a case ID number, but I received no further communication or resolution. On XX/XX/year>, after hearing nothing back, I called again and was told the exact same thingthat my case was being escalatedand was given a new case ID number. 

At no point during this review process has Robinhood asked for any documentation or clarification from me. I have not been given a timeline for when this issue will be resolved, and I am left without access to a significant amount of money with no answers from their support team. This situation is causing me significant financial stress, and I am filing this complaint to seek immediate resolution.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Please see attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are forgiven and asking for them to be removed off all three credit reports.
Product: Vehicle loan or lease

GM is constantly misapplying my additional principal payments. I have to call the customer service dept every month to ask that they reapply the additional principal payment i make AFTER I've made the corresponding payments due. 

The last TWO loan statements indicate that GM is applying my additional principal curtailment to interest that's not yet due. This is considering I've already made the monthly payment that's due. 

For example. The XXXX payment is due XX/XX/XXXX i paid it in full XX/XX/XXXX and then two days later made another payment. They constantly misapply the payment to next months interest. 

I feel not only wasting mine and everyone else time but causing financial harm. Forcing me to pay more interest on a much higher balance. 

I'm tired of calling GM financial every month. They need to update their systems to ensure funds are not misallocated.
Product: Credit reporting or other personal consumer reports

The vehicle is mine. Purchased in XXXX. THERE HAVE BEEN NO INQUIRIES ON THE VEHICLE FOR FINANCING OR REFINANCING. XXXX are stating an inquiry was made by a company called XXXX in XXXX and this is impossible. They have submitted a fraudulent inquiry on my credit report. They are the furnishers of the inquiry onto my report so they are the ones that have to remove it. It's fraudulent. Didn't exist. Never did. Never will. 

Foursight keep trying to say they are not the ones who put the credit inquiry on my report even though the fraudulent credit inquiry shows XXXX. They also state they don't process credit ( so why is their name on my credit report?! ) ''We don't process credit. Dealers or third parties do. XXXX is a refinancing company. You are welcome to contact them or to do a credit dispute through the credit bureaus. 

''You can not have direct contact with our credit department, and for disputes they will reply within 30 days. '' ''Autopay is an auto loan group that works with other lenders to finance loans, they sent the application in for you, and you received an inquiry from us. You will need to reach out to XXXX, you can find them online, and they can give you more information about it. We have provided you with a dispute response in regards to an application they submitted for you. You will need to contact them for more information about the credit application. '' They then refuse to deal with me via email or phone- ''Our credit dispute/inquiry response are sent via mail in 30 days. The request is sent to our credit department, and they investigate and send out the letters. We can not discuss it further over the phone or via email. You received a letter responding to the credit inquiry. The letter states to contact XXXX since they are the ones who submitted the application under our name. Contact them. '' What does they submitted it under our name even mean?! 

Anyway, there has been no submission by me on a vehicle I already own. No financing or refinancing was made. This is clearly fraud and they are refusing to remove the credit inquiry that is on my report under THEIR name.
Product: Credit card

I wrote this company to remove late payments and the company stated an unauthorized party wrote the letter which was false. I, XXXX XXXX wrote the letter for consideration of late payment removal, please assist.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX is fraudulently reporting an accurate identity theft across all three consumer reports from XXXX XXXX is fraudulently reporting different reports on all 3 of my Consumer Reports this is Identity Theft and fraud. 
There are different dates and amounts across all 3 reports this is unlawful Reporting and violates my Consumer Rights. DELETE these accounts immediately and update my Consumer Reports today. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest the appearance of this bankruptcy on my credit report. The filing dates, reporting dates, and closure dates do not correspond. This is deeply concerning as I possess a court letter explicitly stating that this bankruptcy should not be listed. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed and added remarks to three negative accounts with XXXX and Transunion after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau would not help and take care of these negative inquiries reporting to my credit report. These are the negative inquiries. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A number had been called my phone repeatedly at least 7 times a day for the last 7 days. It was the company called Midland Credit collections. I spoke with them on XXXX stated the bought my debt from XXXX XXXX XXXX The rep was very rude and told me that if I don't pay they will sue me and ruin my life. I thought that was very excessive. I asked for debt confirmation and contract from XXXX XXXX stating you have the right ti collect on this debt. I never received that as of today XX/XX/year>. I just received a piece of mail from a bankruptcy attorney stating, I have a pending law suit against with from XXXX  XXXX  who is XXXX XXXX. I was never notified of the law suit and I think it's unfair to not allow me to defend myself but try to garnishment my money illegally.
Product: Student loan

I have difficulty making payments because Im on XXXX and when I do make a payment, it seems that its never added and the loan amounts continue to go up instead of down. I cant take the stress that they are giving me with the constant phone calls and emails. I have XXXX so its hard enough for me as it is. Im a single mom. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, XXXX  AND EQUIFAX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM
Product: Credit reporting or other personal consumer reports

Reached out then several times via app and phone number. They never removed any information from my credit report. They also do throughly do investigations! XXXX quickly replies nothing will be removed but can not validate any information when asked. 

XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Three days ago I had a follow up call in response to a complaint from whom I thought was customer service at XXXX. I was hearing from a XXXX that is as far as I could hear from his mouth as he was speaking incredibly fast. I had beyond this point verbally complained prior to the CFPB complaint about a draft that was supposed be skipped as per my right because I could not afford the amount that month into the program. I was promised to get my money back but after two weeks of waiting I wound up getting this call from XXXX and unbeknownst to me I had no idea this had to do with the CFPB complaint so now I am forwarding an initial complaint on how XXXX handled this and frauded me again to manipulate me into thinking he was someone from Customer Service and manipulated me to sign an agreement of a refund of just the initial draft amount when it was XXXX separate complaints. They keep saying it has been responded to but no one reached out to me. I need governmental help this is a scammer and the business needs to be investigated and looked into further. I am telling you their practices are not okay. Taking advantage of innocent people, tricking them, not saying who they are upfront and manipulative. I am so scared. My resolution again is my XXXX payments made of {$280.00} into the debt settlement program for work that was not done and me having to settle my debt with the courts myself. They did not promise or represent me or handle any of my debts and customer service assured me they would. I have so many complaints by now and documentation of me having conversations with them through their own company promising me so many things that NEVER happened.