23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had switched to this mortgage company a few months prior to the incident. We switched to Oceanside mortgage company after they kept contacting us to let us know we could save money on our mortgage. When XXXX came, we were in a bad car accident and had hospital bills as well as loss of a brand new vehicle. We called Oceanside and asked if we could make a larger payment, then pay the rest the next month or even 2 weeks later. Oceanside said they could do even better and have us make 1 payment in XXXX, then spread out whatever we owed over the next 3 payments. We were happy and said thanks, and we were told that we would be counted as late in oceansides system, but once we made all payments we would be fine. So once XXXX came and we were great financially, I got an alert from XXXX XXXX saying my payment history was late on my mortgage. I called Oceanside and said I can't have this because we were trying to get a pool loan and do some renovations and were never told about this, I was told that it has to be that way and they were going to do nothing. I stated I was never informed my credit would be blemished or I wouldn't have done it, I was told it would not change. I have 4 months of late payments now and can't get my home renovated or pool because of this, nor will Oceanside add a comment of payment arrangement or anything.
Product: Debt collection

This is a debt from XX/XX/2011in which I returned a vehicle because I could no longer pay XXXX XXXX because the car was a lemon but I continued to pay for it until it broke down and I returned it to company voluntary. It was Sold to this company XXXX XXXX XXXX XXXX  who harassed me in the past stating I owed them XXXX. Because car didn't sell at auction for a good price and I had to pay balance. I bought the car for XXXX and had for over 3 years before giving it back. I did not owe what they're saying and had been paying them for 4 years XXXX a month and they are still saying I owe XXXX with crazy finance charges. I have never been given documents regarding the sell of vehicle or what was owed from sell. My understanding the original company write it off as bad debt and this company bought it. I don't believe I owe them that amount. The statute of limitations has long passed because it's a debt the last payment made to the original company was XX/XX/2011. I have asked them to stop calling my job and they continue to harass and leave messages with my coworkers and main answer in machine. I would like to be contacted by mail with proof I really owe them after being harassed to pay them for the last four years but never got proof it's legit.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 

I sent a letter disputing ( XXXX XXXX XXXX ) XX/XX/year> Experian responded that this collection didnt change, they immediately response within hours and theres no way this was a proper investigation.

I need this information removed from my credit report I cant even rent a apartment or house with this collection on my credit report.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are still reporting inaccuracies with creditor XXXX XXXX specifically the payment history which is negatively impacting my score! 

Per Equifax I can file a dispute online for inaccurate information. On XX/XX/XXXX I filed the dispute labeling inaccuracies In less than one day Equifax returned a status with no action on the XXXX XXXXXXXX XXXX and instead updated the delinquency date to XX/XX/XXXX and lowered my credit score XXXX! This makes it appear as if I have a recent delinquency when this account was discharged XX/XX/XXXX through Bankruptcy Per my complaint from XX/XX/XXXX see complaint number XXXX XXXX XXXX  admitted to a delay in processing my Bankruptcy XXXX XXXX XXXX yet still reports delinquencies of charge off statuses on my account which is inaccurate the account never went charged off as I filed BK XXXX before they went PAST DUE. You cant charge off a BK AS IT IS DISCHARGED. Per my rights to Fair Federal Credit Reporting, if unable to verify and update correctly this should be deleted they have not verified this and have since updated my report which lowered my credit score tremendously on XXXX/XXXX/XXXX I demand they remove this from my report immediately or update the accurate information information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX 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, credit repair services, or other personal consumer reports

I have attached and FTC report with an account and inquiries I did not authorize
Product: Mortgage

Our mortgage company is now called XXXX.XXXX. We requested our mortgage payoff on XXXX/XXXX and the company told us it would be received in 2-3 business days via email. We called back on XXXX/XXXX to check the status and the company told us no such request was made or they did n't have it on file so a new request for a payoff was made. Since then, multiple calls have been made, no email has been received. On XXXX/XXXX, another call was made requesting the payoff amount and verifying two email addresses that they should be sent to. I was told the email would be sent in regards to the payoff amount. Still, no email. Today I spoke to a supervisor, who told me she only received the request for the payoff amount on XXXX/XXXX and I told her it was originally requested on XXXX/XXXX. She said she would try and expedite it and due to our mortgage being behind, it essentially was a more complicated process. We simply can not get a straight answer and are running out of time. All we want is our mortgage payoff amount.
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I understand that it is my right to obtain a copy of my Verisk XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my Verisk XXXX XXXX report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with zero balance. Its very clear that some technical glitch from the company side caused these problem and XXXX is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Product: Credit card

Complaint Regarding Credit Application Denial - Request for Reconsideration and Issuance of Card Application Number : XXXX Dear PenFed Credit Union, I am writing to express my concern and dissatisfaction with the handling of my recent credit application for the XXXX XXXX XXXX XXXX XXXX. 

I was prequalified for this card through your website, which indicated that I met the necessary criteria for approval. However, when I proceeded to formally apply, I did not receive an instant approval, and a hard inquiry was placed on my XXXX credit report. This inquiry negatively impacted my credit score. 

After waiting, I received a denial letter stating, " We were either unable to obtain a credit file or the file did not reflect credit activity. '' This reasoning is confusing, considering that I was prequalified based on a soft pull of my credit report, which should have provided accurate and sufficient information. There was no active lock on my credit report, so it is unclear why my credit file was not obtained or why it allegedly did not reflect any credit activity. 

This situation raises several questions : How was I able to be prequalified if PenFed now claims that my credit file either wasnt obtained or lacked activity? 
Why did my credit report show sufficient activity for prequalification but not for the formal application? 
Why should I suffer a negative impact on my credit score due to a hard inquiry if the application was mishandled? 
Given these concerns, I request that you reconsider my application and issue the Platinum Rewards Signature Card to me. I expect this reconsideration process to be completed, and the card issued within 30 days. 

I trusted PenFeds prequalification process, which led me to apply with confidence. However, the subsequent denial and the reasons provided have caused significant frustration, particularly with the negative impact on my credit score due to the hard inquiry. 

I hope for a prompt and fair resolution to this issue. Thank you for your attention to this matter, and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration with the repeated unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, these fraudulent entries persist, causing significant harm and distress. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my financial standing and reputation. These unresolved fraudulent entries not only affect my ability to access credit and financial services but also undermine my trust in the integrity of your institution and the financial system as a whole. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling helpless and frustrated. 

As a valued customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my financial information. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, RI XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 noticed 9 items totaling {$2100.00} from Armada Corporation, XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Acount shows 6 years and 2 months old. Original debtor is XXXX XXXX. This account does not, and has never been attached to me. I have never been to the XXXX XXXX nor have I had any accounts in collection with Armada Corporation. I called to have them remove it and they can only put it in dispute. This account belongs to someone else and has never been attached to me. My credit recently dropped because they attached this to my report.
Product: Checking or savings account

This complaint is against Chime Bank and their Deceased member review department. 
My son, XXXX XXXX, passed away on XX/XX/XXXX and I am the executor to his estate. He did not have a will but I am his mother, XXXX XXXX. His wife, XXXX XXXX is also executor. She and I have both attempted to retrieve the {$4000.00} or possibly more remaining in his account. We began this process on XX/XX/XXXX. XXXX contacted Chime via phone and they told her they could not release the funds until the funeral expenses have been paid. I know a little about banking because I worked for one in the past and I know that they can not legally withhold funds due to an unpaid expense owed by the decedents estate. 

Because his death was very traumatizing, it has taken some time to get in touch with Chime again. Therefore, I began requesting these funds be transferred to my chime account asap as he left behind XXXX boys for his wife and I to raise. I began this process on XX/XX/XXXX. Each time I inquired, it was expected that I send copies of some personal documents to them to prove his death and my relationship to him. Because my ID is expired, they requested copies of my birth certificate and social security card along with his death certificate. They did not indicate a format to send them in so I used XXXX. They responded that was the wrong format and to resend the documents so I did in a different format. This went on sone and is still an issue. Finally I was asked to provide photos as that is tge only acceptable document. So I took pictures and attached them to the email. A response was that tge photos needed to show each document edge to edge with nothing g else showing in the photo. So I did that ( which was very difficult ) by cropping the picture and they look perfect to me. Since I did that on XX/XX/XXXX, I have no longer gotten any responses and have inquired several times for a status. Today, XX/XX/XXXX, I resubmitted the photos and requested a status. 

They also closed XXXX  account without executor permission. 

I have screenshots of all the emails if needed. 

Please assist me in resolving this issue in any way you can. 

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

I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. XXXX XXXX has yet to respond to my requests.
Product: Debt or credit management

I am requesting an investigation on the following information that has appeared on my credit report from Jefferson Capital System, Account # XXXX for the amount of XXXX for an account I never open back in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Incident # XXXX XX/XX/XXXX I was double charged for my car payment by JD Byrider CNAC one payment was XXXX and the second was XXXX which took my account into the negatives only the XXXX was authorized XX/XX/XXXX I used my debit card for a purchase not knowing the account was in the negatives because it shouldnt have been then accumulated XXXX more overdraft fees. Stopped there to contact JD Byrider CNAC and they were closed had to wait till the following business day which caused more debt XX/XX/XXXX I was able to get in contact with JD Byrider CNAC they acknowledged the mistake and said they have to send a email to upper management after the delay they said the funds will be refunded with no overdraft fee refund. This caused more debt and kept my account in the negatives for another whole day XX/XX/XXXX The XXXX charge was refunded into my bank account still leaving the account in the negatives due to overdraft fees JD Byrider caused. I would like to be reimbursed for the late fees and the pain and suffering JD Byrider caused by leaving my account in the negatives for multiple days and not reimbursing me when they were the party at fault. 

Incident # XXXX XX/XX/XXXX I was double charged for my car payment again XXXX and XXXX I had this problem last pay check and settled for it to be fixed with JD Byrider. The following pay check I am having to deal with my account being in the negatives for multiple days until CNAC JD Byrider gives me a proper refund for the second time in less than a month this has affected bills/ personal life/ business / bank account / family needs/ overdraft late fees. The only thing that is offered is a refund for the mistake and this time I was told I was going to be removed from auto pay due to the errors but this is another inconvenience for me and possibly a setup against me to get the car back because it is not my fault I am being double charged by CNAC JD Byrider and they made it very clear if I miss a payment by 1 day they would take the car back this is very concerning and shady business.
Product: Credit card

Bank of America applies credit card payments to the lowest APR first even though there was a law passed in 2009 requiring payments be applied to the highest APR 's first