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

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with Transunion and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to Transunion, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with Transunion and XXXX, but XX/XX/XXXX with XXXX.
Product: Debt collection

Im unaware of this of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice.
Product: Credit reporting or other personal consumer reports

This is in reference to complaint XXXX I have new information that two other credit bureaus were invoked Experian XXXX Im attaching XXXX document Could not find the same for Experian. They are based in XXXX On XXXX XX/XX/year> I submitted a mortgage application to XXXX XXXX XXXX XXXX XXXX XXXX VA who I have an account with. On XXXX XX/XX/year> starting at about XXXX I started receiving unsolicited calls from other lenders about my mortgage application. I talked to a few. They had very personal information about me including my social security number. I am on the do not call list. I called XXXX XXXX and was told they do not share information. They said it was the company does the credit checks though could not tell me what company. I am concerned my personal information is being shared without my consent though it might be possible I was duped into providing it. The point is I thought this business was between myself and XXXX XXXX  only. I am also contacting my representatives in XXXX. Would appreciate it if you can look into this and make it stop.
Product: Mortgage

I recently refinanced and transferred loan servicers from The Money Source to XXXX. During the transfer of service, The Money Source did not send over payments that I made after my XXXX mortgage to XXXX XXXX. XXXX XXXX is sending me statements asking for a XXXX payments with late fees. I know those fees will be waived during the 60 day grace period but my complaint is that The Money Source should have sent over the additional payments I made in XXXX because they were before the official transfer date to my knowledge. I have contacted both companies several times inquiring where those payments are at and also asking for an explanation on why The Money Source hasnt transferred those additional payments I made yet to XXXX XXXX.
Product: Debt collection

Chase Receivables keeps calling, I do not owe any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XX/XX/XXXX, XXXX and XX/XX/XXXX, someone use my credit card for three big XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) Bank of America tried to solve it for me, they got me only 2 transaction back, theres one transaction still did not give it to me. Also, they closed the case couple month ago without telling me. I called few month ago, they could not give me a explanation, they only told me that I need to wait 1-3 month, today I called again, they said they will reopen the case for me. It's been 4 months ; I still have the balance on my credit card.
Product: Credit card or prepaid card

I have submitted a complaint in the past about XXXX XXXX XXXX/XXXX XXXX   's business practices and I finally received a credit from XXXX XXXX for Late Payment Fees in XX/XX/2019. AGAIN, XXXX XXXX has been charging me a Late Fee every month since I had a dispute with them. In XXXX I made a {$27.00} payment and was charged a Late Fee of {$27.00}. In XXXX I made a {$52.00} payment and was charged a {$37.00} Late Fee. In XXXX.I made a {$27.00} payment and was charged a {$27.00} Late Fee. My Late Fee should not be more because I sent a larger payment as reflected in my XXXX Statement. XXXX XXXX takes longer than any credit cards I have to process payments. I send 3 payments at the same time at the same mailbox every month. XXXX XXXX is located in the United States and their mail doesn't take any longer to arrive than anyone else 's, although they claim that it does every month. I've asked them for the last two months to change my credit card payment due date and they claim I owe a payment, so they can't do that. Even though the payment is NOT over due. I know that it is required by law to change my payment due date when asked to do so, having informed them I get paid 4 days before the due date. They are just wanting to scam money out of me. XXXX XXXX has caused me Late Payment and Over the Limit Alerts on my credit reports every month, lowering my credit score. I am not going to continually make payments to XXXX XXXX when they take my payment for Late Payment Fees every month, which causes my XXXX XXXX XXXX Balance to get higher each month. I literally make a payment each month, then my XXXX XXXX XXXX balance gets higher, and I receive ZERO for my money! They continually make excuses so they can charge me Late Payment Fees EVERY single month. I know I have legal rights to change my credit card due dates, I have done it in the past. My current payment is not due until XX/XX/2019 and I'm not behind. They are lying to gain money.
Product: Checking or savings account

I opened my account on XX/XX/XXXX. Deposited my check and it was available today and when I went to go use my card. Um, it was getting declined, so I called the bank. Talked to them, she had me run it a couple more times and then told me that I was fraud, and that she was going to have to put my account on hold. After she's the one that told me to try my card.Multiple times and has now locked me out of my account
Product: Credit reporting or other personal consumer reports

I request the prompt removal of this unapproved inquiry from my credit report, as they adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX  XX/XX/year>
Product: Student loan

I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is inaccurately reporting an account on my credit profile. I disputed the item and asked for their method of validation based on my rights under 15 U.S. Code 1692g. They failed to provide any information on how and why they continue to report this on my credit profile. They completely disregarded my complaint and furnished none of the information I requested based on my rights as a consumer under the FCRA. I am following up with another dispute. Furthermore, Transunion is the only credit bureau reporting this false and misleading information on my account,
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Purchased a {$500.00} money order from XXXX, which they use Western Union. Submitted this payment with XXXX other money orders {$500.00} and {$170.00} on the same day, to my apartment complex for my rent payment. They deposited them into their company bank account. One of {$500.00} money orders was rejected by the bank. I put a claim on money order from Western Union. Western Union sent me a letter stating the bank was paid for the money order on XX/XX/XXXX. But apartment is still stating that their accounting departure say they never received payment for the {$500.00} money order. Now I'm in dept with the apartment complex and was charged late fees on that money order. And now they want me to do another dispute. Which cost {$15.00}, that i paid for the first dispute.
Product: Prepaid card

I received a check for {$340.00} from Bank of America to cover the financial harm that I experienced as a direct result of them freezing my card and EDD benefits from XX/XX/XXXX through XX/XX/XXXX. With the check I received a notice that I could submit a request for additional compensation which I did. I was NOT able to pay my rent once my card and benefits were frozen. I was evicted a year later while my card and benefits were STILL frozen. I provided my eviction notice and the demand of unpaid rent my landlord sent me, and the IRP denied my request stating that my proof doesn't show I was affected during that period. Yes it does because I was and still affected to this day because now I can't find someone willing to rent to me after the eviction due to unpaid rent. My family and I are still homeless! To add insult to injury .... according to the online portal my request was never even assigned to an agent. 
And after submitting the request they ignored it for 60 days then asked for more proof so I uploaded more documents, then after 45 more days they asked for my proof again ( after a week or so i called to check on it and I asked how long until someone would look at my claim and she said, " we weren't given a deadline so it will happen when it happens. ) well another few weeks pass by and I received a notice that a decision was made, then without an explanation of how they came to their conclusion, they denied it?!. And I can't resubmit it or anything. 
What a waste of time! I thought they had taken responsibility for their actions but really what they're doing is making themselves look good to those who don't know any better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my closed account with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Experian continues to report in the account status section that {$10.00}, XXXX was written off. First, this account has been settled. Second, the amount previously owed to the credit union was disputed. The XXXX XXXX has been paid what they were rightfully owed. They have received payment and can not continue to report a tax write off for which they have been paid on my report. Finally, the balance reported section is left blank. It does not reflect a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

My credit was illegally pulled from multiple banks and financial companies without my knowledge or consent on XX/XX/year> over 7 times and other dates as well. I filed disputes through all 3 credit bureaus ( XXXX, Trans Union and XXXX ) with supported evidence attached by file to each one. No actions have been taken by any of the 3 credit bureaus and still waiting for response or positive reflection on my credit from these inquiries. Please truly help and will be looking out for a response.
Product: Prepaid card

An AMEX gift card activated on XX/XX/year> is getting declined at every online store. There is no way to access help on the AMEX gift card website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX Payments of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!!
And it should be reported as XX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.
Product: Student loan

Navient is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Navient continues to report this erroneous information on my credit report. I have attempted to speak with a Navient representative about this mistake and they are rude each time I call and refuse to remove this information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have a XXXX account that is appearing on Equifax with a balance of {$1200.00}. The account shows on XXXX and XXXX as dimissed with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian, XXXX and XXXX, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.
Product: Credit card

I did not receive a credit card bill from Aadvantage aviator Red Mastercard from Barclays for XXXX of XXXXXXXX 
When someone from Barclays called my cell phone from XXXX she identified herself as a customer service representative from AAdvantage and asked me to pay my bill. I put her on speaker phone so I have a witness. She called me on XX/XX/XXXX at XXXXXXXX XXXX. I explained to her that I had not received a bill in the mail for XXXX of XXXX. We spoke at length about my perfect payment record as I pay the entire amount owed every billing cycle in a timely fashion and have never been charged any interest. Barclays representative agreed to send me the bill for XXXX of XXXX. She also agreed to send me a bill for XXXX of XXXX with no interest charges for the missed bill of XXXX of XXXXXXXX She agreed to send me the corrected bills in seven to ten business days. The day after the phone conversation, I received a bill, via the US Postal service, for XX/XX/XXXX XXXX  from Barclays with a previous balance of {$710.00} and interest charges of {$150.00}. To date, XX/XX/XXXX, Barclays has not sent me a bill for XXXX of XXXX so that I can pay it. I have right to know what the {$710.00} is for. Barclays has not performed as agreed. If they sent me a bill in XXXX of XXXX it should be easy for them to duplicate that bill and send it to me as they usually do every month. Also, they have not sent the agreed upon corrected bill for XXXX of XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not familiar with this matter, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX XXXX is the new loan servicer on an alleged reverse mortgage on my mothers home. There is court action at present. XXXX XXXX has continually knocked on my mothers door. Pounding on it for her to fill out an annual occupancy form. The normal route would be to send it in the mail. These people have no ID, will not leave a business card and for the first 2 weeks would not leave the form. 1 person did tape it to the door. My mothers Attorney has contacted XXXX XXXX   prior to this to inform them all communications will be handled through his office. XXXX XXXX  has chosen to ignore this. The annual occupancy form was filled out and given to my mothers Attorney who did in fact forward it to XXXX XXXX. He has proof of receipt that XXXX XXXX  received this form. XXXX XXXX is continuing to send people to knock on my mothers door. We do have cameras and a ring door bell. All of this is recorded. My moms Attorney has been informed of this as well. At this point XXXX has received the document they requested and any further door knocking is harassment, senior abuse and scare tactics. My mother is a senior citizen and does not open the door as most seniors do not .She is also represented by an Attorney.