23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Through my Goldman Sachs Apple Credit Card, I reserved and stayed at an XXXX in XXXX, XXXX from XX/XX/XXXX through XX/XX/XXXX. The hosts falsely advertised providing stable internet/Wi-fi which is crucial to allow me to work remotely. The lack of internet led to hours upon hours of troubleshooting which not only resulted in lost wages but also cut into the few hours of leisure time I had per day. In addition to this, the TV did not work and service men entered the unit without asking and with shoes on tracking mud through the entire unit including the bathroom and where XXXX XXXX. Not only do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sincerely tried resolving this with XXXX hosts directly, then customer service but they refused to qualify this as an issue that deserves a full refund. They did not look at the nuance of this situation ( which is that I lost income due to these scammer hosts ) and refunded me a measly {$270.00} ( out of {$1000.00} ) which is their standard practice when any amenity is missing and told me the solution would be for me to rebook with another host in the area. This was an inappropriate " solution '' to offer because it was peak holiday season and a last minute rebooking meant to price of comparable listings had nearly doubled. XXXX ultimately told me they would do nothing more for me so I filed a dispute through Apple and explained all of this in the hopes that they would resolve it on my behalf. Not only has Apple not done this, they have denied my dispute 3 times to date. This most recent time, I even submitted evidence in the form of screenshots with the hosts and XXXX customer service, and spoke to multiple customer service representatives ( both virtual and by phone ) - but never the arbiter themself. The most frustrating part of this process came when they sent the dispute summary via paper mail and stated " XXXX XXXX did not communicate with the XXXX customer service team regarding their reservation ... XXXX XXXX did not seek assistance to resolve their issue ''. This is a complete falsehood and demonstrates to me that the dispute resolutions team at Apple is not reading the evidence submitted and working on behalf of their clients. To make matters worse, now that we are out of the 90 day window from the original dispute, I can no longer challenge XXXX about this charge directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated attempts to dispute accounts that are not valid, both Experian and XXXX who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these XXXX companies, first XXXX, and now Experian have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these XXXX should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the XXXX breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested investigation and demanded verification that meets the requirements of FCRA 609 ( a ) 1a for several items within the past 30 days thats Experian, XXXX, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.
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, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX ME XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXXXXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX, ME XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me
Product: Debt collection

I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. XXXX XXXX XXXX maintains that they purchased one of these debts from Citibank N.A., back in XXXX. I state for the record that I know XXXX XXXX XXXX has told me directly that all references to the posted collection will be removed within XXXX-days from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!
Product: Payday loan, title loan, or personal loan

I went into the furniture store on XX/XX/XXXX. The representative who assisted me with applying for the lease stated is was a 24 month term and any interest would only be applied to the remaining balance after the 90 days early payoff option. I was approved for {$2100.00} after paying a {$50.00} application fee. The lease amount was {$2200.00} ( Higher than the amount approved ) When applying no copy of the fees or contract were presented, I relied on the information that was being provided by the representative. I requested a copy be provided onsite and the representative stated it would be emailed to me immediately. I did not receive a copy of the agreement until the following day. The furniture store has a strict no refund and restocking fee policy which made it impossible to cancel my transaction after being funded for the lease. I called the store to ask about the fees that were in complete contradiction with what I was told. She assured me that it was a 24 month term and again the fees would only accrue on the remaining balance after the 90 day promotion rate. 
The balance owed on XX/XX/XXXX was only {$860.00}. I have paid {$1400.00} as of today XX/XX/XXXX. The balance now shown as an Early Payoff is {$1500.00}. I contacted Acima, the lender, to clarify on why it was double the previous balance. Attached if the saved transcript of the chat with the representative today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was the Victim of ID theft again and was informed a dar breach with some credit bureau included my information. I also changed my phone numbers and want a NEW Extended Fraud Alert put on my credit file with a new expiration date in 7 years from now.
Product: Credit reporting or other personal consumer reports

Under XXXX, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report has an entry for a bankruptcy. I have contacted Experian by mail with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in reference to this erroneous listing. On each occasion they had responded to information verified as accurate. I have also requested the procedure they used to verify the information and I have not received it. Experian has clearly violated the FCRA and they continue to report the unverified information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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
Product: Credit reporting or other personal consumer reports

Cresco Capital is reporting incorrect information to my credit report. I had provided the CFPB the screenshot of the incorrect reporting and the CFPB closed the complaint without the issue being resolved.

I am starting to think, that the CFPB has no power to effect change. I refuse to think that the CFPB does not care for the consumers. I know better. Cresco Capital is reporting {$560000.00} as the highest balance and blatantly lied to the CFPB or they are unaware of their error. 

I proved this with a screenshot of my credit reporting and it was overlooked or rejected. I will provide the CFPB a current screenshot which was taken today, XX/XX/year> approximately XXXX minutes ago at the time of writing this complaint. As you will see in the XXXX screenshot, the reporting dates are different. The earlier XXXX is from XXXX and the other is from XXXX. 

Also the difference in reporting dates is also cause for deletion. This account must be deleted asap. 

The account must be deleted. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY SOUTHWEST CREDIT SYTE
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was reported to bank as under 800 ( XXXX ) when I applied for a used car loan. There is nothing adverse on my credit report. The same credit reporting companies reported my credit score to me as over XXXX through XXXX and FICO. This faulty report disqualified me from receiving the preferred interest rate on a Used auto loan. This will result in me having to pay {$840.00} more over the 60 month term of this loan.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To Whom this may concern, I am writing to formally the revoke the security interest associated with my XXXX XXXX XXXX XXXX XXXX ( XXXX  ) with the loan number # XXXX. I, XXXX XXXX XXXX, am the beneficiary of the promissory note linked to this loan. 

On Friday, XX/XX/XXXX, The XXXX office of JPMorgan Chase contacted me to confirm the receipt of my Registered Securities via Registered mail. As the indentured Trustee of the XXXX, JPMorgan Chase has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs JPMorgan Chase to abide by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. 

JPMorgan Chase, your indentured trustee received my registered securities via registered mail and the record is documented under case number XXXX. JPMorgan Chase was instructed to wire my securities through my XXXX  Account BANK NAME : XXXX XXXX Number : XXXX Account Number : XXXX XXXX  XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. 

Being that my promissory note is a XXXX XXXX certificate of indebtedness, I understand that it is not being registered with the XXXX, and that is how the securities fraud is going undetected. 

Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXX XXXX XXXX and take the lawful steps in Discharging this debt promptly. 

Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.
Product: Student loan

Overpaid balance, on time payments & paid in full balance never sent to all three credit agencies
Product: Mortgage

To whom it may concern, I am submitting this dispute due to the fact that I had submitted a dispute pertaining to an outstanding " corporate balance '' Fay Servicing was indicating of {$21000.00}. Fay responded to have removed {$9600.00} however Fay servicing is now indicating the outstanding balance is {$11000.00} in an escrow shortage. A couple of years back I had specifically recalled Fay deciding to pay my property taxes and insurance, they had begun impounding them. I was accessed the shortfall over a period of about 2.5years to cover the payment they had made to the property taxes and insurance the first year they began impounding. They collected the approximate {$12000.00} plus the monthly impound payment over a 2.5years period because it was a substantial balance that I could not pay up front. I would have appreciated they dug in further to review that I had in fact paid that impound shortfall. I need Fay Servicing to do a thorough analysis of my impound payments as they are not doing so. 
How do these servicing company 's get away with imposing " corporate '' fees without doing their due diligence. It is such a shame there are borrowers that do n't question these predators, that are out to ensure the best interest of the note holder not the consumer. 
I was recently re-accessed in my impound account once again because Fay did not properly collect enough the year prior yet they sent me a check of {$700.00} that very same year, to note there were no increases to either my property taxes or insurance. Fay Servicing 's impound department does not seem to be very organized. Is there any regulations or audits that can be done on the servicer 's impound departments to avoid these types of aggravations? These huge errors pose a major financial burden/problem to consumers. 
I am in the process of refinancing my mortgage to relinquish further relationship with Fay Servicing. I would appreciate an investigation be made, this experience has been a nightmare to deal with. I will go through my record 's to pull out all the detailed information pertaining my impound assessments. 
I look to have this matter resolved immediately, thank you.
Product: Debt collection

Navient became the servicer of my student loans ( originally taken out through the Federal Direct Loans program and then later serviced for a while by XXXX XXXX ), and since that time I have had several problems with them that required me to call as a result of unclear or misleading communications. In this case, their website has shown for the past two months that I owe {$0.00}, and when I click " Make a payment '' the amount to pay auto-fills at 0 and just resets itself to 0. However, both my father and I have been receiving calls for the past week with vague messages asking me to confirm my identity ( I did once, by pressing 1, but then the line went dead ) or to log into Navient.com ( which, as described, I 've been doing this whole time ). Today I finally got a call from a live representative, and when we could finally hear each other ( the beginning of the call seemed like the audio was cutting in and out ) I was asked to confirm my last name. I never did that, asking instead why I was getting these calls and how I could be sure I was even talking to a real Navient representative. The representative said she had my account up, and I countered that I was looking at my account and could see no amount due. She then proceeded to tell me that my account was 24 days delinquent, and reiterated this several times after I explained that the website shows no amount due. I refused to confirm my last name when she finally prompted me again, and instead requested that she not call again. I have since emailed Navient about the issue hoping for some clarification but am still waiting for anything beyond an automated feedback message. If I have time at work tomorrow I will try to call their toll free number to see if anyone there knows what is happening.
Product: Debt collection

False information on my credit report. 
Collections : XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX {$160.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX. 
Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.
Product: Credit reporting or other personal consumer reports

Made several documented attempts by phone and mail to the creditor and all credit reporting agencies to update the status of my account with no resolution from either.
Product: Student loan

My student loans were serviced by EdFinancial for a long time but were transferred to XXXX last winter. The last reported data to the credit bureaus from EdFinancial was XX/XX/2023. Because my loans were transferred to XXXX and then forgiven, I have no student loan balances ( {$0.00} ) with any servicer. However, I am still unable to get the EdFinancial erroneous balances off of my credit report, and they have not provided a letter as requested stating that I have no loan balances. I disputed all three credit reports and the EdFinancial balances were not removed. I know many people have had this issue with EdFinancial, and I have yet to find anyone who has successfully resolved this issue. Please help. 
The loans are listed on the credit reports as follows : EDFINANCIAL SERVICES L {$28000.00} EDFINANCIAL SERVICES L {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed. 

Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX   in one day. 
My XXXX score dropped from XXXX to XXXX in one day. 

I am contacting the CFPB and filing a complaint. 
I sent Self Lender an email this morning and have not heard from Self Lender yet. 
I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it. 

Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX XXXX