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

I finally received rather full copy of my XXXX  credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old Heights Finance loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX  XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both Heights Finance locations XXXX  XXXX IL and XXXX IL and their corporate office as well as to XXXX, XXXX  and XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with M & T Bank, which was modified by a HAMP in XX/XX/XXXX. My mortgage account is reported as past due 30 days for XX/XX/XXXX ; past due 60 days for XX/XX/XXXX ; and past due 120 days for XX/XX/XXXX &  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. In fact, I was in a HAMP Trial Payment Plan during this period, made every payment as agreed and have never missed a payment since. 

Despite assurances from XXXX XXXX, which processed the HAMP modification for M & T, that I would not be reported as late, M & T continues to report all these HAMP trial plan payments as " late ''. I have filed disputes with the three major credit reporting bureaus, which refuse to correct the reporting because M & T refuses to change its position. 

In accordance with XXXX XXXX guidelines, the loan should be reported as paid as modified. See, page 5 of XXXX XXXX Publication 800 for servicer instructions re : credit reporting of modified loans which states that HAMP modified loans should be reported as being paid as current, but on a modified payment if payments are made by the XXXX day of each month.
Product: Prepaid card

RushCard started a system update on XXXX XXXX that was to be complete on XXXX, it has been a week and the update has caused huge problems for cardholders. My direct deposit from work showed pending starting XXXX XXXX, 2015 and posted on XXXX2015, however the card has been showing inactive for a week. When you call customer service if you reach someone, they read this scripted message about a glitch in the upgrade and transfer you to another department which then rings and hangs up or you 're on hold for an hour or more and it just hangs up. I spoke to someone today, she pulled up my account told me how much my direct deposit was, showed it was posted but the card needed to be activated, transferred me to the activation department and the call went on hold for about XXXX minutes and then hung up. Now when you call the automated system has you put in your info, transfers the call, it rings a few times then disconnects. I have bee a RushCard member for a little over 2 years. I need to have access to my money. I have done everything RushCard has instructed me to do with no resolution to this matter. I know that thousands are affected by this and we need some help.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to request an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. They were previously removed but have been re-added without my knowledge. I have not been notified of their return, nor have I received any related communication by mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of an account from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific account that I believe is the result of this breach and should be removed from my credit report : Fraudulent Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX Date : XX/XX/year> Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to XXXX, XXXX  and transunion, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*XXXX  is reporting A balance of {$460.00} and utilization of 50 %. 
*Transunion is reporting A balance of {$350.00} and utilization of 45 %. 
*XXXX  is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit card

I applied with Bank of America for a credit card. I was denied because of account has been revoked. What is the reason for revocation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently contacted the company XXXX and XXXX about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.
Product: Credit card or prepaid card

They reported the account late 30 and 60 days in XXXX and XXXX even tho it was paid off and then closed the account.
Product: Credit card or prepaid card

I went to Gander to purchase some items. I was offered a discount for applying for the store credit card. I thought it was a good deal, I applied, was approved, got my items and left the store. I started receiving regular calls from Comenity bank. Wasn't aware that they represented this card so I ignored the calls, thinking they were another company trying to sell me something. I got a bill in the mail stating I owed three times the amount of my purchase. I received another call this morning and asked for an explanation. When found out who and what these charges were for I paid in full and cancelled my account. I was charged {$64.00} in fees for a {$40.00} purchase. I don't know but that seems like predatory lending to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I notified Shellpoint Mortgage Services that it was discovered during a recent financial mortgage transaction and check of my credit report that they ( Shellpoint ) reported to the credit bureau that I was 30-59 days delinquent in my mortgage payments. To be clear, I HAVE NEVER BEEN DELINQUENT in the 36 years for which I have been a property owner from the age of XXXX to now XXXX years of age!! 

After speaking with four different individuals due to disconnection issues, I was advise by a representative who after researching the issue acknowledged the issue stemmed from bi-weekly payments that were misapplied shortly after they ( Shellpoint ) assumed the loan from the prior lender in XX/XX/XXXX, resulting in the some payments being credited as principle payments only. During that time, It took several calls in XX/XX/XXXX and XX/XX/XXXX to corrected what I thought was resolved. Fast forward today, Shellpoint STILL has me erroneously delinquent as recent as XX/XX/XXXX, per the agency that pulled my credit report, and having NOT missed a single payment as was also confirmed by the representative who initiated a Task for corrective Bureau Update in their Shellpoints system prior to the call being disconnected. I was able to learn of the initiated Task to correct the error only after speaking to the fourth person who was not only profession, but took their time, reviewed the inputs of the prior reps and informed me of the initiated Task scheduled for action two days later, Friday XXXX XX/XX/XXXX. I thanked him and replied I would follow-up then. 

Upon calling and speaking with Shellpoint today, Friday XXXX XXXX, spoke to Rep - XXXX, who informed me that the action was still noted in their system as pending and now would take up to 30 days, I requested to speak with the Supervisor. Supervisor, Mr. XXXX XXXX came on the line, requested reiteration of my identity, and instead of working to resolve the issue, he proceeded to make a sly comment of my previous calls, and immediately took an argumentative and dismissive posture asking if, you have proof of the credit bureau reporting, did anybody ask you for proof of what you are say, words to that effect, then proceeded to informed me that I need to provide proof from the credit bureau regarding Shellpoints reported adverse action to avoid any further delay. Mr. XXXX provided no means as to how I should provide this information. It was only after my having to ask, for whom I should make this action attention to, did Mr. XXXX respond saying, you can call, email or fax it, however way you want. I then again had to ask, who should I email this to? He responded by only providing the following email : XXXX without any level of customer service or care that this inaction was negatively impacting me financially. I am now having to incur unnecessary delays because of this erroneous inaction and the posturing of some of this companys personnel who seem to be unaccountable to NO ONE. This is just not right!! 

Regards, XXXX of MD
Product: Credit card

Someone stole my wallet and they are using my information to get new credit card they put hard inquiry on my account they apply a new credit card without my permission please solve this problem
Product: Checking or savings account

Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft as previously notified, Experian keeps sending me the same repetitive message instead of addressing my complaint.
Product: Credit reporting or other personal consumer reports

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. I have already tried to fix this with your company. Equifax is the only Credit reporting agencies reporting the unverified accounts. I will be moving forward with filing a statement of claim if these errors are not corrected in 7 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am behind on my car payment due to covid-19. I understand I need to keep in contact with them ( Southeast Toyota Finance ), however they have started to call me at work. I have advised them several times that I can not receive calls at work yet they continue to call.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX XXXX  THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

ACCOUNT LISTED DOES NOT BELONG TO ME BUT IS LISTED ON MY CREDIT REPORT
Product: Credit card

Days ago, I submitted the credit card application XXXX for the XXXX XXXX card. This application got denied immediately because I have submitted too many applications with Citi bank in the last months trying to get approved for this card specifically, what caused me a lot of concerns was that Citi bank is not pulling my credit no more. Right after I got the denied letter in the mail, I called the reconsideration line, and XXXX of the managers provided me with the option to overwrite this application and pulled my credit report since I was asking for it. I gave him the authorization and he moved forward. This time the application asked for extra documentation, specifically the form 4506-C REQUUEST FOR TRANSCRIPT OF TAX RETURN. I filled out the document correctly ( attached ) and I sent it to the email mentioned on the letter : XXXX. 
One more time I did a call to the customer service department to confim that the letter was received correctly, then I waited for XXXX  days until I got a text message saying that the card application was denied. 
When I received the letter, the reason described was WE COULDNT VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION, And this is the big concern I have right now. I have the right as a customer of a financial institution to know the real reason of why my card application got denied, one more time i called to the reconsideration line department and the Managers response was : we cant tell you why you got denied and theres nothing else I can do. Thats not ethical or professional from CITI bank. 
By law, and the federal equal credit opportunity, all customer has the right to understand why a financial institution is not approving a credit product, and the reason mentioned in the letter doesnt help and it gets open to a different interpretations such discrimination. 

I DEMAND to Citi bank to reconsider my credit card application XXXX for approval, if any extra documentation is needed I am open to provide with anything you want to ask for, otherwise I demand a customized letter NOT GENERATED BY AUTOMATIC SYSTEMS, with the reason of why my credit card couldnt get approved for me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX 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. 


In accordance with the Fair Credit Reporting act BANKRUPTCY XXXX 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: Vehicle loan or lease

I lease a XXXX through Kia Motors Finance. I have always paid on time without issue. I am enrolled in auto-pay for my bills with electronic statements so I don't need to give my payments much thought. In XX/XX/2020, unbeknownst to me, Kia included a charge for " property tax fees '' in the amount of {$280.00} on my statement. Kia never sent me an email about this. Kia never sent me a letter about this additional charge. Kia never left me a voicemail about this additional charge. My monthly auto-pay continued each month. I never heard a word from Kia. 

Due to the pandemic, I had changed residences temporarily. My mail was being forwarded to another location while I was living at a different residence. Thus, my mail was delayed. On XX/XX/2020, I finally received a letter from Kia, dated on XX/XX/XXXX, that I owed property taxes on the vehicle. I immediately paid the amount owed as this was the first time I had learned of it. In fact, I paid the property taxes, and I paid for an extra month inadvertently. Thus, Kia owes me {$170.00} currently. 

Kia never informed that I owed this money until the account was already severely delinquent. They are required to notify me of my debt and make a good faith effort to collect the money. They never did this and merely reported me unfairly to the credit bureaus. 

The money I owed Kia was not even for the car payments. It was for taxes owed on the car. This is something that is outside the contract. The account was not actually delinquent. As you can see in the payment history, all my payments were made each month. I was never charged a late fee. These were for property taxes. I can not be reported to a credit bureau for late payment of property taxes. 

As a result of this, my credit has been severely damaged,. I am in the process of trying to purchase a home, and this will cost me thousands of dollars,. My once pristine credit has been destroyed. I gladly would have paid this debt on time if Kia had just picked up the phone and called me. I gladly would have paid this debt on time if Kia had just sent me an actual letter in the mail notifying me. Because I was set to auto-pay, I don't look at my statements. I continued to make payments regularly on the account without knowing there was this additional fee. 

It is unconscionable that Kia would destroy someone's life and credit over {$280.00} in the middle of a pandemic. I had the money to pay {$280.00}. I don't have the thousands of dollars it will now cost me for a subpar mortgage due to the damage that has been done to my credit. 

Please, I am begging Kia, to remove the delinquency from my credit report. You never notified me about the debt. If you had just left me one voicemail or sent one letter before reporting me as delinquent, I would have paid. I have been a reliable customer, always paying my bills on time. The only reason I didn't pay this fee is because I didn't know about it. 

Please help me.