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

XXXX XXXX, XXXX has reported via Experian an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has removed TWO of my accounts without any reason and is not reporting one of my accounts. 
The two accounts that removed without a reason are XXXX Bank and XXXX XXXX XXXX. 
The Account they are blocking is XXXX XXXX XXXX XXXX XXXX XXXX ). ALL of these accounts belong to me, are in good standing, are valid account, and paid on time with an exceptional payment history. These are not fraudulent accounts. They belong to me. There is NO reason why these accounts should have been removed from my Experian Credit Profile.
Product: Vehicle loan or lease

Good evening. My name is XXXX XXXX. My wife and I purchased a XXXX XXXX XXXX, brand new in XXXX. The set monthly payment has been XXXX. According to recent statement we have paid We have paid XXXX into the loan and still owe XXXX. The original loan was XXXX. This is obviously a rip off. We had payment extensions for 2 years but the increase in interest is ridiculous. It accrues daily. There has to be something addressed regarding this company which is regional acceptance corporation. At the current rate the car we have wont be paid in full until XXXX ; given the cars condition I doubt it will be functional at that time. Is there an action we can take against this creditor? Also due to Increase in thefts of this make and model it has been difficult to find affordable insurance for this car.
Product: Student loan

Greetings, My loan servicer is XXXX XXXX and they have been insufficiently responsive to inquiries I've made. 

First, I asked for them to provide a copy of an official letter updating me on the number of qualifying payments I've made towards PSLF. They told me originally that my most recent ECF I had submitted was approved on XX/XX/XXXX and that it would only take a few weeks to get back to me on the updated number of qualifying payments. I haven't heard anything since even though I've followed up with them. 

Secondly, I've asked for them to re-review payments I had made back in XX/XX/XXXX-XX/XX/XXXX ( made during a transition from IBR REPAYE ) to see if  they could be counted towards PSLF due to the " Consolidated Appropriations Act, XXXX provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loan ) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness ( PSLF ). The U.S. Department of Education ( ED ) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. '' However, they've continued to tell me that this is under re-review and has been ongoing since XX/XX/XXXX per my records, which to me is an unreasonable amount of time. I want an answer to this. 

Thank you. 

-- XXXX XXXX XXXX P : XXXX E : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year> I was able to add {$10.00} to my Venmo balance from my verified XXXX bank account. 

Attempts to add more money to my Venmo balance from the same verified XXXX XXXX account have failed with the " We can't add your money '' error. Venmo support doesn't know the reason, can't override it, and can't tell me when it will be fixed. All they say is that " the system '' blocked my request and no one can override the system. 

The Venmo product is useless to me if I can't add money to my Venmo balance from my bank account ( s ).

I thought I might fix the problem by removing my verified bank accounts and bank debit card and then adding them back. 

On XX/XX/year>, when I tried to add back my XXXX bank account, I got the " something went wrong error. '' Support escalated the issue. 

Venmo needs to remove whatever condition ( s ) are preventing me from adding bank accounts and from using the Add Money function to fund my Venmo balance from verified bank accounts.
Product: Debt collection

Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.
Product: Debt collection

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Student loan

I graduated from law school in XX/XX/XXXX. At the time, I had around $ 120k in student loans through XXXX, which was later bought out by Great Lakes. I began working for the Federal Government in XX/XX/XXXX, with the understanding that loans would be forgiven in 10 years because my employment fell under the PSLF program. I was told my loans qualified by XXXX/Great Lakes. It wasn't until early XXXX I realized my loans were not properly consolidated as Direct loans, at which time I consolidated my loans and began making payments under IBR. The loans were serviced by multiple contractors ( including at least XXXX and XXXX ). In XXXX my loans were transferred to XXXX for loan servicing. I asked for an accounting in XX/XX/XXXX so I knew how many payments I have left to make. To date, XXXX has refused to provide that information, despite repeated phone calls every 4-6 weeks ( every time I call they say " it'll be another 4-6 weeks '' ). According to their website, I have only made 24 qualifying payments!!! So, 1 ) I was lied to initially that my loans qualified by XXXX./Great Lakes ; and 2 ) XXXX can not or will not provide an accounting of the payments I made through Federal loan contractors through the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. 

Under the CARES Act, stating " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Product: Payday loan, title loan, personal loan, or advance loan

I emailed and made numerous complaints to possible finance, first my identity was stolen and a account was made in my name through possible finance for a loan of XXXX $ back in XX/XX/scrub>XXXX XXXX  and emailed the company and made complaints about the fraudulent account to be investigated and removed asap off my credit report. The company responded to my XXXX COMPLAINT stating I need to file a police report and submit a affidavit which is totally impossible they never respond to emails and they dont have live agents to talk to me, after all I just wan na pay this account off and get it off my credit report asap but its totally impossible to move forward doing that when I cant get in contact with the company please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/XXXXXX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$130.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$97.00} Open Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

My account currently has a negative balance because of an overpayment by a third party. According to regulation Z they are required to refund this overpayment to me within 7 days following my request. After waiting for the seven days, they informed me they need more information to process the refund : a letter from my bank stating I did not request a return of the payment or place a stop payment on any payments to them. Otherwise the wait period for the refund extends to 21 days. I asked them what regulation or law they are using to justify this and they said their own regulation.
Product: Debt collection

There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Product: Credit reporting

The New York State Supreme Court had dismissed the XXXX XXXX Bank XXXX in the index number XXXX,. I have enclosed the copy of Supreme Court order. Experian Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Experian did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, I contacted XXXX  about an erroneous item regarding Citibank about an unresolved dispute dating back to XX/XX/XXXX. XXXX  said I needed to contact Citibnak. I contacted my credit card provider, Citicards about the erroneous report on my XXXX  credit report showing an unresolved dispute dated XX/XX/XXXX. Citibank confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX with the appropriate details. The Citibank rep said with my letter, Citibank would send notification to XXXX  to clear the item. 6 months later, I have not had any response from Citibank and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my XXXX  report. I called Citibank today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact XXXX  and that Citibank could not be of service and completely contradicted the instructions I had received from Citibank 6 months prior. I requested a letter from Citibank confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at Citibank in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
Product: Credit card or prepaid card

On 3 occasions Citibank has submitted a exorbitant and unapproved payment which has caused my bank account to go into negative an incur fees. This was supposed to have been resolved last month, but has happened again. When reported to customer service, the credit card company at first failed to take responsibility. At first they tried to blame my bank, then they tried to blame me, then they tried to give me minimal compensation even after admitting their fault. Only after persistent calling and finally escalating to an account manager did Citibank take responsibility and compensate me for incurred fees. 

The problem has arisen again, and again Citibank is failing to take responsibility. 

Dates : On XX/XX/2019 my bank account was charged {$8800.00} by an ACH process triggered by Citibank. I contacted customer support immediately, and was told it wasn't on their side. My bank returned reversed the ACH and charged me a fee. 

On XX/XX/2019 and XX/XX/2019 the same amount was charged and was reversed the following days by my bank. I had to state my case multiple times and argue with multiple customer service agents. I was offered less than the fees charged, but was finally compensated on XX/XX/2019 of the full amount of fees which was {$100.00}. 

On XX/XX/2019 the amount of {$8500.00} was charged to my bank. I contacted customer support who again did not take responsibility for an unauthorized payment. 

Citibank also fraudulently affected my credit score by misrepresenting my balance ( most of which is in dispute and should not have been posted until the dispute was resolved ).
Product: Mortgage

J.P.Morgan Chase acquired my XX/XX/XXXX XX/XX/2004 {$88000.00} home equity loan with a fixed rate of 6.990 %. Chase has Changed my fixed rate to 6.74 % and does not want to comply with the terms of the loan agreement which states in the 3rd paragraph : If a law, which applies to this loan and which sets maximum loans charges, is finally interpreted by a court having jurisdiction so that the interest or other loan charges collected or to be collected in connection with this loan exceed permitted limits, then : ( i ) any such loan charges should be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( ii ) any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces the principal, the reduction will be treated as a partial payment.
Product: Debt collection

I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized XXXX XXXX services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed XXXX that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. XXXX proceeds to continually ask for payment on merchandise that was not received by me. On XXXX XXXX decided to charge off the account and sold the account to True Accord for collection purposes. I informed True Accord that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.
Product: Checking or savings account

In a recent investigation into banking policies, I discovered that, according to the deposit agreements of major financial institutions such as XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX, an account may be closed if it remains inactive or maintains a XXXX balance. Even when an account has a balance, minimal engagement in activitiessuch as online transfers or depositsover an extended period may lead the bank to classify the account as dormant, resulting in its closure. 

I am currently experiencing a similar issue with my BMO savings account, which is set to be closed due to my inadvertent maintenance of a XXXX balance for over 30 days. I have contacted both customer service and the nearest branch in an attempt to prevent this action ; however, I was informed that there are no measures that can be undertaken to stop the closure. This assertion is perplexing, as I believe that most processes can be implemented or reversed. 

Additionally, it is noteworthy that the procedure for closing an account predominantly involves human intervention, suggesting that it may be possible to halt this process. I find it concerning that a financial institution, which has recently commenced operations in California and is rapidly expanding its customer base, is facing such challenges. My situation is not a result of negligence ; I attempted to transfer funds into the account only to discover that it had been removed from my online banking interface. Upon inquiring about this, I learned it is in the process of being closed, with no options for recourse. 

I respectfully urge that my account closure be reconsidered. It is of utmost importance to me that I do not incur additional negative marks on my XXXX or XXXX XXXX  records while seeking to establish a new account. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collections account for XXXX  on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

I have warned you several times about the XXXX account on my credit report but you kept ignoring me. I have officially sued you. I am mailing you the court documents
Product: Checking or savings account

A fraudulent Chime account was opened using a variant of my email address on XXXX XXXX at XXXX XXXX. The account was accessed via XXXX device in XXXX Florida. XXXX will route all variant email messages back to the parent email address as long as the spelling is the same ( ex : parent email is XXXX. Any variation of that email ( XXXX, XXXX XXXX XXXX, XXXX ) will be routed back to the original email ). I had an account opened using a variant and I have tried several times to contact Chime via telephone ( they use an automated service that does not allow you to close an account ) with no success. I have emailed their customer support email and am given the option to download the Chime App to use the chat feature ( which I cant because I cant access the fraudulent account to be able to chat, or to contact them again from the email associated with the account.