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

XXXXXXXX XXXX XXXX rejected my automatic electronic payment from my XXXXXXXX XXXX Checking account. XXXXXXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and Transunion ). I filed a complaint XXXX-XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX-XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to Transunion information that was, by their own admission, incorrect. A Dispute was submitted to Transunion that Transunion claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to Transunion as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if this is where to file a complaint at for Credit Karma. I had offers of pre-approval for credit cards and loans. I was denied for multiple ones. I did receive XXXX loan but feel that they are a scam. I am not sure what to do. My credit score dropped tremendously and the loan that I did get has not helped like it was supposed to.
Product: Debt collection

I have been repeatedly contacted by Southwest Credit ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ). They call me twice a day on most days, always from different numbers. When I answered their first call over a year ago, I asked them to prove I owed the debt, and they told me to call XXXX. So, they can't even prove to me that it's valid. I did not know that I could dispute it. It is affecting my credit and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf
Product: Credit card

American Express has switched " Application approval Process '' on me twice within a year the XXXX was with the XXXX Amex Card from XXXX XXXX, I applied for the " Business '' Revolving Card Since I opened the " Business Executive Membership '' and instead they sent me a Personal Card Revolving Card and not the Business Card, I called them numerous times but they refused and told me they were sorry but could not change it. Then months later I applied for a Business Revolving Credit Card and again I ended up with a Business GOLD Charge Card and NOT the Revolving Card, I called explained and reminded them that I was a " NON-Profit '' Small Business and again they refused to convert the card to a ( Blue Card or a Card for Small Non for Profit Org Revolving Card that carries a Balance Overtime which would have enabled me to make monthly payments. ) Since XXXX XXXX American Express deliberately locked me out of my accounts online preventing me from visually seeing charges made on my account ( s ) and or disabling me from disputing charges and therefore I was unable to make payments, I 've called in numerous times to make complaints regarding this issue and I 've also made a complaint and requested that my accounts to be merged into XXXX revolving payment account as it should have been initially. 
American Express is intentionally causing their clients and consumers to default in payments and therefore charging Consumer 's Late Fees, and Canceling and closing out our accounts as a result their " Unethical Business Practices ''! 
This was reported and reflected on my Credit Rating as Late Payments and Therefore I was unable to be approved for a Balance Transfer with XXXX. 
I 've called them multiple times and they refused to assist to resolve any issues. They will however call you XXXX in the Mornings before XXXX and XXXX XXXX and will call you late at XXXX between XXXX and XXXX XXXX! to ask you for payment arrangements! 
I 've also called in my payments or scheduled payments in the past, but they also botched that up as well by debiting my account before they agreed payment date causing me to have over draft fees with my bank. So I no longer trusted American Express do that as well. 
They are making it hard to make the " Pay-Off Process '' very Hard! and I 'm also Disputing my Current Bill for the Gold Business Card amount {$1900.00} my spending limit was {$1500.00} Nothing has been charged to the account since XXXX XXXX. I 've returned a lot items and do not believe my account was properly credited. In XXXX XXXX I had a XXXX Balance! How did this account become so inflated! Every time I 've asked to speak to a Supervisor, i was always told sorry no one is available or they disconnect my call too.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX tarnished my credit score my sending an inaccurate account to Equafax stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of XXXX, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Equifax XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy XXXX  XXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that Equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Student loan

According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Mortgage

I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. 

In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. 

Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. 
On XX/XX/XXXX, they sent a letter that my loan was paid off. 
On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. 

When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. 

My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. 

My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now.
Product: Checking or savings account

On XX/XX/2021 Somebody used my debit card information and my address to order goods from XXXX. On that day I have received a text message from chase that there is a transaction from XXXX for {$5200.00} and they want to know is that transaction authorized or not. I responded to their text that it is not authorized! After some time I saw that there is a transaction showing on my transaction list for {$5200.00}. I called Chase bank reporting that it is a fraudulent transaction and also told them that I responded to their text message as well. They told me that they are sending a new card and started a dispute with XXXX. After some time they put a temporary credit and after some time they reversed it by saying that XXXX responded to them that information is match. I dont know what information is matching because till now I did receive anything from Chase proving that. I requested two times to send me all information provided by XXXX. Till now nothing! I didnt receive letter that they declined the claim! After that have called XXXX they noted that transaction is fraudulent and told me that the only way to refund money to restart the dispute with the Chase! I called Chase they refused to reopen the claim. In conclusion what I have is they both Chase and XXXX knowing that I was a victim of theft refusing to refund my stolen money! And basically supporting fraud!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


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

There is a paid child support with {$0.00} Balance account NYS Department of Social Services,  showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and NYSDSS. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Product: Student loan

I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.
Product: Vehicle loan or lease

To my knowledge, I was never late on my GM Financial lease with account number XXXX****. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true so I am asking as a long time customer for this error to be fixed. I have had this auto lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. I would have never known unless I looked at my credit report. Nobody ever told me I was late. To my knowledge, I have always had 100 % positive payment history and have not only tried to pay way before my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company Regional Acceptance Corporation today. ( XXXX ). I was told to contact the credit bureau. The account was closed in XX/XX/. There is no balance, but it is showing on the credit report as negative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Mortgage

We are currently in the process of Refinancing our primary mortgage to get a lower interest rate and get rid of PMI. Our secondary insurance has not completed the subordination in a timely manner. every time we call, which has been weekly and sometimes twice a week, we get the same story that the underwriting team is having difficulty obtaining documentation of ownership of our loan. We refinanced our primary mortgage 2.5 years ago to get out of a very high ARM, SPS subordinated their loan in less than 45 days without any issues. This time we are pushing towards almost 90 days since the request and have 21 days left on our third lock rate. If they do not subordinate, we can not extend our lock rate and will lose our lower rate. Every time I call I get the same story from every employee at SPS, they are waiting on underwriting to get ownership of the loan. I have been told that it takes time and gets held up in the courts, I asked why the last time it was done so quickly and now they don't have the proper documentation this time, they say they can't speak on behalf of things that happened in the past. ON XX/XX/20 I was finally able to get XXXX at the " XXXX XXXX XXXX '' office that looked into the account, saw that the old subordination was complete in less than 45 days and did not understand why this time was different. she gave me her direct extension of XXXX which come to find out is not an extension to her, it just goes to the call center. I do not appreciate being pushed aside and lied to. XXXX stated that she was going to send some emails out and further research it on Monday and call me back. XX/XX/20, I have not received a call from any one at SPS about the subordination of the loan. If we are unable to finish the refinance of our primary mortgage we are going to lose the {$570.00} for the appraisal on our home and a {$250.00} lower a month mortgage payment. when I ask to talk with some on in the underwriting department, I am told there is no phone number all the customer service reps can do is document the account and escalate the issue. I have called so many times that at this point the amount of escalations should be on the presidents desk. I asked who the mortgage owner was on the loan as SPS is just a servicer, I was told they could not give me that information. I am tired of being given the run around and not getting any where. I pay SPS every month, on time and this is not fair! 

I have had enough and would like to consider taking further action, but I am unsure who to contact to do so. 

thank you for your help with this complaint.
Product: Mortgage

I submitted a Qualified Written Request ( RESPA ) to XXXX XXXX XXXX XXXX on XX/XX/XXXX via registered mail. Their Loan servicer, LOANCARE LLC acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per XXXX XXXX XXXX if they are not obligated to respond to my RESPA request, they are supposed to notify me within XXXX business days from their decision not to respond. I have not received any correspondence from XXXX or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been XXXX business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to LOANCARE today XX/XX/XXXX @ XXXX central time. The call lasted XXXX XXXX with XXXX , I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( XXXX business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, XXXX nor LOANCARE. This is also out of line with the FDCPA. Legal action will be taken
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to XXXX, XXXX and Transunion requesting proof that XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting accurate information on my credit reports. I challenged my name, addresses listed and account payment history. I have been challenging this account for over a year and still receive the same response " Account Updated ''. But nothing has been updated and the inaccurate account has not been removed. 

I have since paid the account in full but it still reporting all the inaccurate information. I requested this account be removed because of all the inaccuracies, but XXXX and TransUnion still refuse to remove this account. XXXX has deleted this account from my credit report. This account has at least 25 inaccuracies reporting in its payment history. Please review attached documents as proof of inaccuracies.
Product: Debt collection

The MMC company is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This MMC company calls me every day and leaves me voicemails. I do not owe them anything.
Product: Credit card

Experian has been reporting misleading inquiries on my credit file for sometime and they are tremendously effecting me now.