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

Working on repairing my credit, I contacted Trans Union to inquire about 2 items on my report with XXXX XXXX. XXXX # # : XXXX. 
Trans Union insisted they have verified the account with XXXX, however no one has ever been notified via from Trans Union. 
Also, Trans Union are not listing the entire account number but a partial account number and this is highly damaging to my credit score with not listing the entire account number. By not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
On XXXX XXXX, 2019 I received notification from trans Union saying the above account has been verified and is accurate. Also, on XXXX XXXX, 2019, I received notification from trans Union saying the above account # with XXXX XXXX has been Deleted from my credit report. 
In accordance with the requirements of the FCRA section 6119a ) ( 5 ) ( B ) ( ii ), Trans Union was required to notify me of the reinsertion in writing within 5 business days. I received NO such notice and this is a very serious violation of the FCRA. 
Additionally, I asked Trans Union to provide the names, address and telephone numbers of each person they contacted regarding their verification of the account with XXXX XXXX. Once again, they FAILED to provide this information. I informed Trans Union, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE, I requested their method of verification, DID NOT receive this information.
Product: Debt collection

Case of Identity theft XXXX keeps transferring XXXX debt collector to another None of the Validation information has been provided No signature on contract
Product: Mortgage

Capital One failed to collect the annual fee as described in the terms of agreement for my HELOC for XXXX of XXXX years and then tacked it onto my payoff which I was obviously not prepared for.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I have an auto loan with JP Morgan Chase ( Chase Auto Finance ). My last payment was made on XX/XX/XXXX in the amount of {$200.00} using a check drawn on my bank account. My payment is usually XXXX, but this was the last payment I owed. I paid the final balance of {$200.00} using the Chase Auto automated system, as I have done for the entire length of my loan, approximately 5 years. I have used the same account information, and it has been stored in their system for the entire duration of my loan XXXX XX/XX/XXXX ). I do not manually enter the information, it is stored in their system. The auto attendant confirms the banking information used on my last transaction, and there is a series of authorizations to process the payment. 

On XX/XX/XXXX I was notified by Chase that my payment had been returned by my bank due to " No account found ''. I asked Chase to provide me the the account information on the returned check since I have had my bank account for over 20 years. They could not provide me the information. I was told that they did not have that information, I would need to contact my bank. 

I contacted my bank. The check had not cleared my account, had not been processed through my account, and there was no return on my account and no return draft fee. My bank 's accounting department researched the transaction amount and was able to locate the transaction. The check was drawn on a bank account that does not exist. Also, the account used was not similar to my account number, and is not the account number that is on file with Chase Auto for me. I do not know how a non-existent account number processed in the Chase Auto system. I did not enter ANY account information on XX/XX/XXXX. I used my " saved '' information, and confirmed my account number. 

Chase Auto stated that I entered the account information wrong. No, I didn't enter the account, I authorized payment from my account number on file. Chase Auto said I must have made an error. No that didn't happen. Chase Auto customer service has refused to assist me, routinely hangs up, and keeps transferring my call.

I want to make sure that this is not reported the credit bureaus. I have never had a 30-day late, and they can't tell me if this will trigger a 30-day late or not. They can not explain why this happened. They charged late fees and interest. They are refusing to help me. 

I feel suspicious about this since this was my last payment, and wonder why it went wrong. How and why did this happen. Was their system hacked? Did the system go down and was my payment manually entered? Did this happen as a way to charge fees and interest since I paid my loan off early? I have no idea, but this is VERY wrong. I can't be the only one. This glitch in their system has to have effected others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to show a collection account that should be removed from my report at this point one month ago. It is XXXX XXXX. This needs to be removed,
Product: Credit reporting or other personal consumer reports

Ive had this account in charge off status for over 7 years and XXXX removed it with no problem but XXXX and Experian wont remove it. It seems when they get in contact with XXXX XXXX XXXX XXXX they keep telling them this is accurate information, but its been over 7 years. If XXXX can remove it willingly, I dont see the hold up. Originally XXXX removed it and then it was added right back, which doesnt make sense!
Product: Payday loan, title loan, or personal loan

I am a California resident and had taken out a emergency installment loan for {$3000.00} using cashnet USA on XX/XX/19. The APR is  166.03 % totaling {$8500.00}. Ive paid the original loan amount but the interest is killing me and Im struggling to afford it. The only solution that has been given is setting up a new payment if one payment is missed.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Transworld about a negative account that was placed on my credit report that I know does not belong to me. My name is XXXX XXXX XXXX, I have a son who is XXXX XXXX XXXX who lived at the address listed on the billing statement you provided as proof. This address is not listed on my credit report anywhere. This is for a XXXX account that I never had at an address I never lived at. 
The bill you presented does not give the name of XXXX XXXX XXXX or XXXX XXXX XXXX so how can you tell which person this belongs to? Can you provide any proof other than a bill from XXXX  that it belongs to either of us? I have a current and active XXXX account now in my name that I can prove belongs to me! 
I'm pretty sure you know like I do ; a billing statement is not considered sufficient evidence of ownership. So, this is my second time asking you to please either provide me with specific ownership of this account belonging to me XXXX XXXX XXXX, or remove it from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
Product: Mortgage

NEWDAYUSA ADVERTISEMENT ON XXXX XXXX STARES THAT THEY CAN GET VETERANS AT LEAST 25 % MORE CASH THAN BANKS OR CREDIT UNIONS. THAT IS 100 % FALSE. THE ADVERTISEMENT ALSO STATES THAT THEY CAN LOWER THE VETERANS PAYMENTS AT LEAST {$600.00} A MONTH. 

HOW CAN THEY POSSIBLY KNOW THAT? THIS IS AS DECEPTIVE AS IT GETS.
Product: Credit card or prepaid card

The issue I am having is with capital one credit card company not applying my payment {$2100.00} when using my banks online payment method. The most recent issue was I mailed my full payment to capital one on XX/XX/2023 and they claim they did not receive it before the payment due date " XX/XX/2023 '' thereby applying a late charge and penalty interest to my account. After learning of the " missed '' payment I made an inquiry at my bank and learned that the payment had cleared, and they already had a copy of the canceled check. When I called capital one on XX/XX/2023 in regard to my account, they had no record of my payment, when informed them that I had a copy of the cleared check capital one agreed to start an investigation.
Product: Credit card or prepaid card

I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
Product: Debt collection

I started receiving calls from Credit Corp XX/XX/XXXX. Since I have never initiated contact I didn't answer the calls at first. They contacted me daily, occasionally twice a day. I finally called the number that called me, on XX/XX/XXXX to tell them they were violating privacy rights and to stop calling. I have received calls XXXX, XXXX, XXXX and today, XX/XX/XXXX. This is harassment and unacceptable.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX  card account # XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

In XXXX, I clicked on a bonus promotion at the CITI 's website offering a bonus of {$300.00} to keep {$15000.00} in their bank for 60 days. On XX/XX/2021, {$15000.00} was ACHed to CITI ( document : XXXX XXXX ). On XX/XX/XXXX, I had not received any emails concerning the bonus, nor was I able to find any information about the bonus in the documents that I downloaded. On XX/XX/XXXX, I initiated a chat within my online account on the CITI webpage, in which I asked that my bonus conditions be specified and confirmed. In the chat, the CITI representative confirmed my understanding of the bonus conditions, which suggested that the chat representative was able to access the promotion details ( screenshot of partial chat : XXXX XXXX XXXX ). If the chat representative had not confirmed my bonus conditions, I would have immediately withdrawn my funds. I met the XXXX deposit on XX/XX/2021 ( document : XXXX XXXX ). I kept the account open through XX/XX/2021. When the bonus was not deposited into my account one week after the date specified by the chat, I called CITI. I was told that no bonus was due to this account because the account was not associated with any promotion code. When asked if they would not honor the confirmation of bonus conditions by the chat representative on XXXX XXXX, the phone representative said " N0. ". Having no reason to continue business with CITI because they provided me false information ( in the chat ) which resulted in CITI 1 ) obtaining an interest-free loan of {$15000.00} for 90 days, and 2 ) continuing with the an interest-free loan of {$10000.00} as I awaited the bonus, I closed the account.
Product: Debt collection

I spoke to The CBE Group months ago that the debt was not correct and that XXXX XXXX ( XXXX ) took it back and wrote it off, asked them to stop calling me and to contact the originator of the debt to verify. This is after several months of back and forth with them and XXXX and many hours of calls and frustrating conversations. They called again today, rude and harassing in tone, threatening to call repeatedly even after I told them to never call me again, and that I had already requested no contact. The agent, XXXX, told me that XXXX sent the bill to them again a few days ago, so they ignored my request for no contact and contacted me because it was sent new. He grew very angry in our conversation and eventually hung up on me after implying threats against my credit and further harassment. I contacted a supervisor to complain against XXXX, they informed me that I was on the no contact list and that this was unacceptable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a late payment for XXXX XXXX  but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on XXXX XXXX in an austere environment and could not receive phone calls or mail from XXXX XXXX XXXX to XXXX XXXX XXXX. This company is lying by leaving out so many important facts. I gave them proof that I was on XXXX XXXX and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat XXXX when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on XXXX XXXX This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.
Product: Debt collection

I keep getting a call on my work phone from XXXX, which when I try to answer it, due to their robo-calling, it will not pick up. It just keeps ringing. I have spoken with them ( EZ Loan ) and have asked them to quit calling my work number. Yet, every day, they continue to call from this auto-dialer. They have my cell phone number, and have NO reason to call my work repeatedly with a phone number that can not even be answered from our lines. 
It 's bad enough when they call my cell phone every morning between XXXX and XXXX.
Product: Student loan

Hello, Last year I applied for a rate reduction program due to financial hardship that made if difficult to make my monthly payment. At the time, my spouse was unemployed and we only have one income for a family of XXXX. I have been making the payments monthly as my spouse was able to get another job. Recently, he became unemployed again and that has put us in another financial bind, causing my XX/XX/XXXX and XX/XX/XXXX payments to be missed. We are struggling and have to figure out how well make it day by day with food for us all, gas, rent, etc. Weve even had our two vehicles repossessed and had to borrow money to get our vehicles back so we can get to work. My loan is only eligible for 12 months on forbearance that I used years ago as a young student not understanding the terms. This loan was even originated for a school ( XXXX XXXX XXXX, XXXX, PA ) that lied to me about the degree I enrolled to receive and did not tell me that I was instead receiving a certificate until several months of attending. I am not stuck with a loan that has no impact on my career and nothing to show for. 

I want to make payments under the reduced plan even though that is even an amount that I struggle to make, but can not afford the past due balance. I called Navient and was advised there were no options available other than to make the payment or be negatively credit reported by XX/XX/XXXX. 

I have absolutely {$0.00} in our bank accounts and even now trying to figure out how to feed my family. Because the {$150.00} is even difficult to afford, I plan on canceling the Direct Debit so that I can make biweekly payments as the one large payment monthly is very difficult with now a family of XXXX and limited income. Please help me in having some success in repaying the student loan.
Product: Credit reporting or other personal consumer reports

Good Afternoon, I disputed this account requesting it may be removed from my credit report because of the agreement I entered with Affirm. The account was agreed to be paid in full for deletion. As soon as the payment was made in full in ONE payment, Affirm agreed to have account removed/deleted from my credit report. Attached you will find the payment that was made years ago in which affirm never removed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.
Product: Debt collection

The debt collector has called family members of mine in attempts to reach me. After this happened I called the company to get in contact with them and prevent further calls to my family. Hours after speaking with the collection agency, another call was placed to my family despite calling the collection agency myself and giving them all of my information personally to call ME. 

The collection agency is Mercantile Adjustment
Product: Credit reporting or other personal consumer reports

This student loan was transferred yet that are still reporting it as an active open account with a balance. As a result it shows I have a student loan with XXXX services causing my financial distress and damage to my credit. I disputed this with the credit bureau and they completed an incomplete investigation and didnt resolve the error. I have been patient with no resolve. The law guarantees my right to a fair and accurate credit report.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. When I checked my report, as I normally do, I was shocked to see unexpected discrepancies. I even tried refreshing the page, hoping it was a browser glitch, but nothing changed. I urgently request a thorough review of the documents I submitted so I can finally stop worrying about this.