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

Selene Finance admitted inadvertently reporting my payment status as delinquent ( letter dated XX/XX/19 as a response to my previous complaint about them to CFPB ) and they still have not corrected that mistake. They stated in the letter they were completing the necessary adjustments to the account on XX/XX/19 and would report the status of the account as Current but that has not been completed as of today. This has caused me much stress since I am trying to apply for a refinance.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, SCREENING REPORTS, INC add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

By my understanding credit reporting need to be accurate on all 3-credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX has a status as paid and is still showing under collections. 
The next account is BMW financial It has been closed for years and all of a sudden has a balance update of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This account also is not accurately reported on my other credit reports XXXX due amount {$25000.00}, it also says a status of charge-off. In the comments it is transferred to recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by XXXX. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.
Product: Payday loan, title loan, or personal loan

I always pay my loans on time and I also renewed my loans but fell behind payments and started getting harassing phone calls, visits to my house and threats, so I called up there the lady manager got loud and rude and started making threats to me about going to the court house she gave me until tomorrow to make a payment with a very loud rude voice Credit Central XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

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 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I contact my insurance all state insurance agent today XX/XX/21. everything shows clears. no outstanding 's services were obtain pay on XXXX then later services were cancelled on XXXX. A refund was provide to credit card ending XXXX please refer to letter attached and bank statement. 


This company is a scam and keep sending collection bills to address of family members. 
moreover have compromised my personal information. desist and stop immediately close this account immediately.
Product: Credit reporting or other personal consumer reports

This account t is reporting twice on my report I paid off the lease and there was some extra charges and they put it back in my report with the same account number with an incorrect amount thats owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore request that you investigate these accounts listed below. 

XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$35000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I tried to withdraw the cash out on my Square Cash app. They have 2 options : 1 ) add immediately which charges a fee 2 ) receive in 2 business days. This transaction was for {$160.00}. I received another payment Wednesday and I chose the same option and that cash was to be deposited into my primary banking account on XX/XX/2019. On XXXX I received another virtual payment and I opted in for the fee due to the issues with the transaction on XX/XX/2019. 

I contacted Square Cash XX/XX/2019 and they claimed they have been aware of this issue and they are working to fix it. However, they are not providing a disclaimer that this function is not working. This means people are expecting their money in 2 business days but they are not receiving their withdrawals or an explanation unless they email their customer support email.

I am waiting on almost {$200.00} and it was advertised I would receive this money Tuesday and Friday. I havent received anything.
Product: Mortgage

I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal
Product: Checking or savings account

On XX/XX/XXXX, I logged into my CitiBank app and it said my account was blocked. I contacted them and they told me they were closing my account and couldn't tell me anything else, they would then hang up the phone in my face. I called 3, maybe 4, times, and every time they would hang up on me, giving no explanation. I have no idea why they would randomly close my account, as I haven't had any issues with them. I used my debit card on XX/XX/XXXX, with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had  calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.
Product: Credit card or prepaid card

I have tried for several days to contact the department Synchrony directed me to in order to cancel the " Card Security Program '' on my card, at two different numbers. Every time I call, I get a recording that due to circumstances beyond their control, my call can not be taken at this time. There is an automated cancellation system also, that does not work. I have tried to cancel through customer services and I am told no one can help me.
Product: Checking or savings account

I was a member of Navy Federal credit Union. They close my account due to overdraft protection. I was getting charged overdraft fees that led up to them closing my account because I couldnt pay them in time I asked could I please be on a payment plan to keep my account but instead they close my account
Product: Credit card

I am a single father with XXXX children, I got this credit card to buy school clothes, My original bill was less then {$80.00} and now its {$380.00}. 
I never received the bill. 
I drive for a living and am not able to call business or answer calls during the day. 
I lost my debit card and have not been able to stop into the bank and reorder one. 
My mother offered to help me pay the Kohl 's credit card, she attempted many times to pay my bill but they would not take her debit card. 
I can not pay {$380.00}, most of that amount is late charges. 
I can pay {$190.00} but that's it. I would not be in this situation if they would have taken my mother debit card.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report inaccurate unauthorized information on my consumer report and is in VIOLATION of Credit Reporting Act Section 1681b ( c ). This my second notice first once was XX/XX/23 Also a copy of my identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score suddenly dropped by XXXX points on XX/XX/21 with no negative changes to the factors influencing my score. I called Equifax and they were unhelpful and directed me to consumer credit counseling. I want to understand the change in my score. My other scores remain high. 
Thank you.
Product: Credit reporting or other personal consumer reports

The XXXX account was never late. Reporting on Experian and XXXX credit reporting needs to either reflect the account as PAID/NEVER LATE or REMOVE the account from the credit reports. 

Account info XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
Product: Checking or savings account

- I opened a bank account with Laurel Road Bank - After months of having only small deposits, I made a larger XXXX  deposit of XXXX XXXXXXXX on XX/XX/XXXX. 
- I XXXX  Laurel Road and found a litany of complaints on XXXX from users saying Laurel Road suddenly froze/canceled their account but did not return their money, or at that point, they had not received their funds returned. 
- On XX/XX/XXXX, I received a letter from Laurel Road stating they were " ending their relationship with me '' although there were no clear examples of why. 
- On XX/XX/XXXX I called their Customer Service, speaking to XXXX, about my case. I was told my account had been closed by them, and funds would be dispersed back to the original bank, but she could not give me a time frame, only that it wouldn't be " months or years. '' I asked for a copy of my transactions and was told she could not provide me that. I asked for my account number and she told me she could not provide that over the phone ( but they don't have brick and mortar locations ). I was told my originating bank could send an " ACH Return Letter '' to them to speed up the process, and that there was no other information I needed to include on the letter. 
- On XX/XX/XXXX I spoke with my originating, long-time bank, XXXX. They said they'd never heard of such letters, but did try to help me by attempting to dispute the transaction. 

Something is happening at XXXX XXXX, owned by Key Bank. Please look into this and help us get our money back! There are many others on XXXX saying they experienced the same thing with Laurel Road : XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae has been falsely overcharging me my loan was XXXX dollars, I been paying it for 4 years {$110.00} a month which mean my debt should be at XXXX dollars
Product: Credit reporting or other personal consumer reports

Unauthorized account open in my name with XXXX XXXX that is reporting as a charge off on my report for {$590.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the bankruptcy information on my credit report for quite some time with all three credit reporting bureaus. XXXX and XXXX have both removed the information from credit report based on the documentation and disputes sent directly to them from XXXX. Experian has been a different story. They've told me they can't remove the information because XXXX has to do so. XXXX has stated once the information is no longer on my consumer report, the credit reporting bureaus have to remove it within their own systems. XXXX disputed this information for me once again with Experian on XX/XX/23 and stated they removed the disputed information from my consumer file. According to my credit report with Experian, it states - " If your report contains public records, it includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. '' XXXX the third party vendor they utilize removed the information, disputed it with Experian and they have still refused to remove this from my credit report which is a violation of my rights. Information not held in my consumer report CAN NOT BE placed on my credit report!