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

It is very concerning what XXXX XXXX  does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on Covid forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.
Product: Credit reporting or other personal consumer reports

I have reach to the company, Carmax Auto Finance on several times letting them know about the reporting of incorrect information they have shared with all credit bureaus. Under 15 U.S Code 1681 ( a ) late payments reports to your consumer report is illegal. They been reporting every month since XX/XX/year>- XXXX, I have proof that the account has been PAANL ( paid as agreed never late. I would greatly appreciate if your company can help resolve this issue with this matter soon
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX to utilize XXXX which is now known as XXXX. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX  with a XXXX   and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been comparing credit card offers and came across the Chase Sapphire Reserve card. After reviewing the information about it, I had a couple questions. One imparticular was that I noticed reward points are worth 1.5x their value if redeemed through the Chase travel site. I was curious as to whether or not the same rate would apply to cash if booking a vacation through the travel site. I searched through the offer details and the pricing & terms for clarification. Unfortunately, I was unable to find any information in regard to my question. I thought it would be best to check with Chase Bank directly so that I 'd know for sure whether or not I wanted to apply. At approximately XXXX XXXX central time today,XX/XX/XXXX, I called to inquire about it. The representative was unsure of the answer, so she asked if she could put me on hold while checking. After a few minutes, she came back on the recorded line and assured me that the same preferred rate applies to cash if I 'm booking through the Chase travel site and have a Chase Sapphire Reserve card. I figured that benefit would get me over the fence about applying since I 'd save enough on annual travel to make up for the {$450.00} annual fee. Immediately after I got off the phone, I applied and was instantly approved. Upon being approved, I logged into the Chase travel site under my new Reserve card only to find that I had been lied to about the cash rate. There was absolutely no discount on the cash value, only on the point value. I called Chase back at XXXX XXXX and was then told that the special rate only applies to points. I even spoke with a supervisor and explained that this feels like a bait and switch method to get me into the card and collect the {$450.00} annual fee. His response was that I had agreed to the terms and conditions and that I should have reviewed them more thoroughly. I explained that I did read through that document and the offer details, but could n't find anything in regard to my question and thus the reason for the initial phone call. Still, the supervisor tried to lean on the terms and conditions document.
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If, in fact, the terms and conditions document did contain any information in regard to my question, it was well hidden. Not even the supervisor could find the detail when asked! I feel as though this Bait and Switch method of getting me to fork over {$450.00} crosses the lines of UDAAP.
Product: Credit reporting or other personal consumer reports

I paid this account off on XX/XX/2023. I checked my credit report a week or so after, and noticed that it was reporting that I owed over {$2000.00}, which was several months out of date, and it was being reported as 60 days late. I assumed a dispute would allow me have this updated quickly. I disputed this account with each of the credit bureaus and each one said the account was verified. They changed the amount owed to just over {$1600.00} and the status of this paid off account was still being reported as 60 days late as of XX/XX/2023. I called the creditor to get them to update the bureaus. They said they had not received any request for an update. It has now been over 45 days since I paid this account off, I have disputed more than once in an attempt to have it updated but it is still reporting this account as 60 days late with a balance owed. This has affected my XXXX XXXX, and my ability to obtain new auto financing. I need this corrected immediately.
Product: Bank account or service

On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account.
Product: Debt collection

This company which I believe is a third party is trying to make me pay a debt that is not mine. How they got my name or social security number is beyond me but at this point I do not trust this company and would like to solve this in a court of law under oath where this 3rd party can present signatures, DNA, pictures or something to show who started this debt to clear my name. Court is the only safe option. As professional thieves this crooked company are they ask for information that can not be obtained. If I can show two things its not good enough because they want 4 or five its a bullying tactic that they knew is impossible not only that I do not trust these crooks at this point with anything.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

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

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

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

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

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

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

8. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under the Fair '' credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

After putting a {$9000.00} down payment i learned that the super high interest was paid on the used car first and i still owed a full balance for the car. Ultimately i have paid for the car twice since the engine went out after only a year of having it and it was nothing they could do because the warranty was only 30days
Product: Student loan

I had been waiting for my loans to transfer from my previous provider XXXX to MOHELA, and on XX/XX/XXXX at XXXXXXXX XXXX received a welcome email from MOHELA with information regarding an on-boarding process, providing me with my account number to begin my online footprint with them as my new loan servicer. An hour later at XXXX XXXX that same day, I received an email again from MOHELA telling me I was PAST DUE on my account. I hadn't even formed a username and password with them, as I hadn't opened my email that morning until XXXXXXXX XXXX... I had made my payments for the previous months with XXXX so there shouldn't have been any outstanding balances, and MOHELA didn't have any records showing what the 'PAST DUE " balances were from as I have no history with them. When I tried to call, their phone lines and website had red flag notices declaring 'long wait times for calls due to unexpected call-volume ' so after several hours, I was not able to get through. XX/XX/2024 was the first payment due date with MOHELA and their offices were closed due to the holiday. I was not able to get in contact with them due to their high caller volume, and I want to remain in good standing with my payments, so I felt I had no choice but to pay the balance which included the suspicious 'PAST DUE " amount. I still have not been able to reach MOHELA.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 



Inaccuracy # XXXX : XXXX OF XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX OF XXXX XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : Capital XXXX Auto Fin Inqiury XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX XXXX Description : Never XXXX Inaccuracy # XXXX : XXXX XXXX XXXX Inquiry date : XX/XX/year> Description : Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 



This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX! 
I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC! 
Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account in XXXX!!
Product: Consumer Loan

Today, I went to pay on a title loan that I got a year ago. The loan was for {$3500.00} and I have paid back approximately {$2600.00} with most going to high interest rates and fees. I still owe {$2000.00}. I was informed that the location that I initially received my loan from was no longer able to " finance '' me because the amount I owe is over the {$1300.00} they were able to loan. I was never given any notice regarding this change when I made my XXXX payment. Also, now I 'm very surprised because according to Title Max 's website they have this disclaimer regarding max lending as {$1300.00}. This has me very confused as to why they continued with my loan and allowing me to make payments knowing their max lending is {$1300.00}. I have paid on time and extra when I am able to so that I can be done with this loan. The customer representative there then informs me that since I still owe over the max allowed for their location, my loan was going to be transferred to another location outside of XXXX XXXX ordinances. The closest to me is in XXXX XXXX and I was informed that their rates are higher and therefore I would now have to pay {$390.00} a month at that location with very little of the payment going towards the principle. At this rate, I will pay more than what the car is worth for this rip off of a loan. The representative then informs me that if I want to keep the loan at the current location I will have to pay the difference of what I owe and their maximum lending amount, roughly {$740.00} plus my XXXX payment. Of course, I am not financially prepared for this because I have the documents for my XXXX payment which I was going to pay {$170.00}. I was offered an extension up to XXXX XXXX because I asked if I could get XXXX. I get paid XXXX a month and therefore I am on a very tight budget. Now I will have to pay additional fees plus the XXXX payment and {$740.00}. Title Max would not accept my XXXX payment because of those " changes. '' I will be in a financial bind because of these unexpected changes that I believe had every right as a consumer to be fully informed before the date of my XXXX payment. I believe these changes are fraudulent considering Title Max was fully aware of their lending policies. I am meeting my end of the contract paying excessive fees and interest rates. Title Max has violated these terms by not fully disclosing their policy and thus violating me.