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

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : Experian, XXXX XXXX, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US AUTO FINANCE/US AUTO has been reporting worng for the past 5 years. I have called them directly as well as sent a letter. This accoutn was in a bankrupty back in XXXX 2016. I have asked them to fix this and also for the report bureaus to update this as well and they still have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my credit report that I do not recognize and that I did not authorize
Product: Credit card

I first learned of this late fee on XXXX  XX/XX/XXXX, at XXXX, the automated phone system stated that " No Payment was due at this time ''. However, when I spoke with XXXX supervisor he did say that a payment was due on XX/XX/year>. I requested a text message from the automated system ( XX/XX/XXXX, XXXX ) and it showed that I was charged a XXXX} PAST DUE FEE on XX/XX/year> ( again when the due date was not previously announced on the automated system ). 
Therefore, I requested to speak with a supervisor 's supervisor on Monday XX/XX/year> at XXXX ; XXXX. I explained my argument, and was only told that I agreed to this on the trems of service, and she had no explanation as to why the automated system did not tell me the due date for my payment. I overpaid the credit card company by XXXX  because they could not tell me exactly how much I needed to pay of my debt entirely. My balance due was an even XXXX XXXX XXXX XXXXXX/XX/XXXX, and the balance went up by XXXX  while my rewards went up from just over XXXX XXXX XXXX. I understand that these changes are due to updated figures only on the actual statement date. 
I want my {XXXX XXXX XXXXXXXX refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Credit bureaus stated Account Name CAPITAL ONE Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.
Product: Credit reporting or other personal consumer reports

After looking at my Credit Report I have noticed a Hard inquiry from XXXX XXXX that I didn't authorize as part of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( Transunion, XXXX and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have XXXX inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

BMO XXXX loan. Paid in full on XX/XX/year>. Over paid {$250.00}. 
On XX/XX/year> they withdrew the auto payment amount of {$1600.00} from my checking account at XXXX XXXX. 
Contacted them online XX/XX/year> and inquired when they will pay me back. They blamed me for not canceling the auto payment. I paid off the loan in full! I have to cancel auto payment too? I see that as there job not mine. I feel I have met all my responsiblity to them, all payments on time. So they took {$1600.00} from me even though the loan was paid off a full week before.

They refuse to wire the money back to me. Stated I will get a check in 2-3 weeks. I need the money now to pay bills.

I consider this unfair business practice that is harming me since I need the money to pay other obligations, which I fear will go late and negatively impact my excellent credit.

They took my money by wire transfer. Why can't they send it back the same way?

I also called them last week, not sure what day. Representative told me it will be " bounced back to me don't worry ''. Still no payment, no email, poor customer service.

Also still do not have the overpayment reimbursed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that experian is deliberately going in dropping my fico by astronomical points, I find it very strange that my score only raises a couple points but drops by XXXX points at a time. Something is not right. I have disputed and item multiple times even sent letter in a long time ago showing proof that matter was rectified and they still choose not to remove.
Product: Student loan

Here are a few things Id like to bring to your attention regarding my loans and Sallie Maes business practices. 

My parents had government/federal Sallie Mae loans when they went to college. When it was my turn to apply, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  listed Sallie Mae as a preferred lender. We assumed these were the same federal loans, with low-interest rates, and fair income-based repayment plans that my parents had. With Sallie Maes calculated privatization ( and name change to XXXX ), I argue that the company misrepresented to myself and my co-signer ( father ) that these were federal loans. 

I now know that what I have with Sallie Mae is a private variable rate student loan, because that's what they say I have. However, my cosigner and I have no promissory note or contract within our accounts or emails that stipulate the terms of the loan agreement. My interest rate is now at 15.5 % on each of my loans. When I spoke to multiple Sallie Mae customer services reps today they were unable to provide my initial interest rate, or my variable agreed-upon interest rate range. The first rep told me, " there is no cap on a variable interest rate loan with Sallie Mae '' ( where does it end?! ). The second told me, " I'm pretty sure there is a cap, but I'm not sure what it is ''. When asked to provide that information from a manager, or to send the initial signed contract between the two parties, they said they would need a few days to find it. That is simply unacceptable. My current perspective is that there is no agreement between the two parties, and they have yet to prove otherwise. Additionally, they are unwilling to help me with a fixed-rate program or consolidation, and I have no other options than to pay a principal and interest rate that is above what I can afford. In the past I've been shifted to an income-driven repayment plan, but with Sallie Mae what that means is that I make interest-only payments that don't even total the full interest. So, at the end of the program I'm in the exact same place I started.

All in all, I have first-hand experience that Sallie Mae is guilty of predatory lending and misrepresenting company/loan information to its borrowers. Sallie Mae/Navient companies are engaging in unlawful and deceptive business practices, as indicated by the class action case & settlement against XXXX this year.
Product: Credit card or prepaid card

Ordered appliances with a Chase Ink card that were not shipped as promised. Made multiple written requests to the merchant to cancel the order that were ignored. We advised the merchant we would refuse delivery, if shipped. The item did ship and we refused delivery. The merchant claimed the delivery was accepted, so we disputed the charge. Chase later reversed the chargeback, stating the merchant provided proof of delivery. When Chase forwarded that documentation to us, we saw the proof of delivery was forged with my wifes initials, likely by the driver. Chase provided me with misleading information and told me I could appeal the findings and re-open the dispute, only to ultimately tell me they could not appeal on those grounds, and we have been left to eat the $ XXXX charge.
Product: Debt collection

Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to SOS office, AG and IRS
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX credit card with Citibank and was approved about XX/XX/XXXX. About XX/XX/XXXX I received a pin #. About a week after that I got the credit card in the mail. I called to activate and they said they could not activate until I responded to another piece of mail that I would be receiving another another 7-10 days later. I get that letter and am told that I need to send a copy of y social security card. I call them and tell them that I ca n't find my card and ask if I can send a copy of my license ( like my boyfriend XXXX ) and they say no. I tell them to just cancel the card then because I have no time to apply for another social security card and they say they ca n't do that. I call another week later because I am getting emails that suggest I have the card and my balance is {$0.00}. I tell them I do not want my name associated with this card and they still will not cancel the card in my name and send me a statement that the card is cancelled ... by the way each person I speak with has a XXXX accent. This makes me nervous because now the XXXX has all of my credit info and thy wo n't cancel the card. I have spent at least an hour on the phone numerous times to cancel this card. 
I want it cancelled and they wo n't cancel it and keep trying to get me to activate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : 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 XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Despite providing substantial evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

I initially disputed the fraudulent items and have since followed up today. Despite my persistent efforts, the fraudulent items remain unresolved, casting doubt on the accuracy and integrity of my credit report and impeding my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; XXXX  - XXXX XXXX XXXX Balance : {$15000.00}.
Product: Debt collection

I disputed a charge on my credit card for {$4300.00} to a vendor. I hired this vendor to help my business with XXXX implementation so that I could increase my business sales online. After 3 months, I was NOT provided with any reports, log in details to a dashboard or other items listed on the vendor 's original contract. I asked the vendor for 2 months to provide me with these documents, reports and log in details. They did not provide anything despite multiple requests, and I opened the dispute with my credit card company. On XX/XX/XXXX, the dispute was resolved and closed. The vendor was able to provide some data proving the work had been complete and the disputed transaction was reversed back to the vendor. 

On XX/XX/XXXX, my husband received a call from a woman by the name of XXXX XXXX. XXXX is a Senior Claims Agent Debt Collectors International , Inc . Her phone number is : XXXX I was surprised she called my husband who is not affiliated with my business or the business between myself and the XXXX vendor. I also wondered how she received my husband 's private cell phone number. XXXXXXXX XXXX  response was, " I can contact anyone I want in reference to your debts! If I want to call your neighbor, I will! Your financial information is not private!! You're a business which means it's all public!! '' Clearly, she is uneducated as well as unprofessional. 

I found her tone and misinformation to be shocking! I tried to tell her that the debt had already been paid, and I wasn't sure why she would even be trying to contact me. When I tried to explain this to her, she explained that she, " had been calling me multiple times and sending countless emails- which were all ignored! '' I never received a single email from this woman nor any phone calls. When I asked her what phone number she was dialing, she gave me a number that started with XXXX which is not either of my phone numbers. Both my business phone number and cell phone number are easily accessible on my business website as well as search engines. There would be no reason why XXXX was unable to contact me to discuss the issue. 

Furthermore, it's indeed against the law to contact any individual who does not have anything to do with a financial debt regardless of the debt being with a business or personal. This woman needs to learn the laws and also be educated on being far more professional. Not only was the debt paid in full, but the woman was clearly not informed in any way. It shocks me that there are people out there like this.
Product: Mortgage

Addendum to COMPLAINT ID XXXX This complaint is NOT CLOSED!!! 

Dear CFPB, Why is Caliber Home Loans attempting to assess interest on a Covid 19 related forbearance? See their addendum. In fact, I want to get away from the shady practices of Caliber Home Loans and would like do a refi with another company and Caliber has taken my {$410000.00} principal and added XXXX in accrued interest that came from the Covid 19 forebearance period for the total buyout. Under the Cares Act it clearly states that no interest will be assessed during forbearance of mortgages related to Covid 19 circumstances. I have noticed that Caliber Home Loans has a total of 1,146 complaints in your data base from mortgage customers, this is a substantial amount of complaints ; can you please audit their systemic issues ASAP. Also, please find out if you have other complaints from XXXX XXXX theatre serving USA military veterans. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

First, the debt collector never told me this was an attempted to collect a debt. I have been hit hard with medical bills due to multiple XXXX XXXX, and my son being born XXXX. Due to baby 's XXXX, I can not work so it is just my husband 's income coming in. I was then asked how I manage to pay my bills. I disclosed my parent 's are assisting. Then she asked about the baby 's father. This is personal information and I told her that is not something I wish to discuss. She pressed the issue further asking me if he works and why he ca n't pay the bills. I once again told her that is personal. She then asked why I was n't on government assistance if I ca n't pay my bill, which is over {$6000.00}. I told her that I do n't plan to live off of the government if i do n't have to and I am not going on assistance just to pay this XXXX bill. They already knew the situation and had sent out a financial assistance application just the week before. I asked for a manager who stated that she has the right to know my personal information including information on the father of my child, even though this medical bills are mine, not my husband 's or my child 's. They then said if I do n't get my financial assistance application in this week that they will send the bills to court to get a judgement out against me. On top of everything else, they call up to XXXX 7 times a day from different numbers. When I pick up, they hang up. They never leave a message. The intrusion into my personal relationships and my life are not welcomed and continued even after I explained they were not something I wanted to talk about. I do what I need to do to make sure my children are fed. They do n't need to know how I manage to feed my children or imply that I can not. I know others who have had similar situations with this company and it needs to stop. I understand they are doing a job, but I have worked collections myself and know that this is unacceptable behavior.
Product: Mortgage

Please Help, I am current on my mortgage payment, I never made a late payment, I do not have any other liens or other mortgage on my property. I made a request to have the PMI on my loan canceled after making additional payment to bring the principal to XXXX loan to value. Now the bank is asking to send them a check for {$420.00} to have the property appraised if I want to proceed with my request. I feel this {$420.00} the Loancare is asking me is additional step that I should not have to take since I already met all the requirement to have the PMI removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Transunion mailed the result of an ongoing investigation regarding some negative accounts on my report. As seen from the attached exhibit, they mentions XXXX XXXX XXXX XXXX XXXX  XXXX was verified. i demand to see a full disclosure, audit, and paper trial of this investigation.
Product: Credit reporting or other personal consumer reports

I RAN A REPORT AND DISCOVERED THEIR IS INCORRECT INFORMATION ON THRE. THE ADDRESS LISTED ARE NON-MAILABLE AND SHOULD BE UPDATED IMMEDIATELY. 

MY NAME ALSO SHOWS UP VARIOUS TIMES AND NEEDS TO BE CORRECTED.
Product: Checking or savings account

I had made 2 transactions on XX/XX/XXXX worth {$29000.00} and {$10000.00} to move the money into another savings. Following that transfer, I believe my account was blocked because two transactions to transfer balance {$2000.00} left in my Marcus Goldman Sachs account were reversed and blocked by Marcus. It has now been 13 days since I had made the transfer request. I have not been able to get a straight response from the customer service. I have been told that I will receive a call from the " Special Security Case '' team and " Review '' team. All attempts have failed and this seems very suspicious from the bank to hold my hard-earned money for this long.
Product: Checking or savings account

Capital one not making deposits available after XXXX days causing us to potentially be late on bills and no groceries for our kids