23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent in a {$12000.00} payment to be applied to my Mortgage Principal ( account ending in XXXX ) on XX/XX/year>. Chase received the payment and it appears on my account as unapplied. 

I called Chase on XX/XX/XXXX, and was assured an adjustment would be made to correct this misapplication. 

On XX/XX/XXXX, I checked the account online and the payment remains unapplied on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested inaccurate addresses be removed from my credit on several occassions. I have submitted dispute letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to have the inaccurate addresses removed from my credit report. The company completed investigations on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite their investigations, they organization refuses to remove inaccurate addresses from my credit report.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promise.
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic issues, including failing to send consumer-provided evidence to vendors, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These failures align with my experience, where XXXX has failed to correct or remove disputed items despite evidence I provided. This inaction has caused ongoing damage to my credit rating. I request immediate corrective action to remove or modify the disputed accounts, as XXXX XXXX actions violate federal law and my rights as a consumer. PLEASE DELETE ACCOUNT *XXXX XXXX, with account number XXXX
Product: Credit reporting

I received my " Experian '' credit report dated " XX/XX/2017 '' in the U.S. mail. On " Page 27 of 32 '' under " Record of Requests for Your Credit History '' in falsely is noted that " XXXX '' unlawfully accessed my credit report on XX/XX/2017. IThis is not mine. I am a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

I am a Military WIFE, who has XXXX. REVVI CARD threaten to have jailed if I did not settle the bill I have been told they would come find me at my home work if I did not pay off my collections debt. they call XXXX time a day from all kind of different numbers the collection agents are scary they don't want nothing but money I do not have I am mentally drained and scared for my life. They closed my account after I disputed their mistake on a bill. I wrote & called to REVVI XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX & got no responds Now XXXX XXXX keeps calling to collect money I don't have they are bill a collector calling me XXXX or more time a day. threatened to take negative or legal action.Threatened or suggested your credit would be damaged. XXXX SOLD FROM REVI CARD TO XXXX XXXX Date opened : XX/XX/XXXX Status : Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated Closed XX/XX/XXXX Balance {$630.00} Balance updated Monthly payment - XXXX Original balance - {$630.00} Highest balance On record until XX/XX/XXXX/ This account is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX 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 60 days 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. XXXXXXXX XXXX XXXX XXXX  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 XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed inquiries I did not authorize. I have no knowledge of these inquiries please remove them from my account.
Product: Credit reporting or other personal consumer reports

Trying to get my credit report ( medical ) for over 2 months. Finally received it, has incorrect information on it from a doctor. I went to the doctor to clarify the information. Have been turned down from several insurance company 's because of it, This is costing me money every month. Have not been able to talk to any body at Milliman IntelliScript. I just keep leaving messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than 5K. 
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sign up for a personal loan with sail loans. I needed the loan to help me move to my new apartment. I originally contacted the XXXX office but I was redirected to the XXXX, IL XXXX. I told the lady on the phone can she see if I can get approve the maximum of XXXX ( a comfortable number I know I can pay back ). They lady on the phone told me, she will have to call me back to see what I can get approve of. When she called me back she said, " unfortuantely, you were only approve for XXXX '', I then said, " Oh, so I got approve for XXXX, that's fine ''. She went on to tell me, " You do not get the full loan only a small portion which will be XXXX until I pay off the full loan and the rest will be deposited into my account after the loan is paid off ''. She also mentioned " starting XX/XX/XXXX you will have to pay XXXX every two weeks for 26 weeks ''. Me thinking nothing of it and was currently driving I said okay. Today as of XX/XX/XXXX I decided to log into my account and see they had approve me for a loan of XXXX ( this is not what she told me on the phone ) and when I calculated XXXX by 26 weeks, the total is XXXX. I would never agree or accepted the loan if the woman on the phone told me the actual loan I was approve for ( XXXX instead XXXX ). As of today, I also called their corporate office and was told they will send an email to district supervisor and will call back before the end of the day. I don't think they will help me whatsoever.
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. 
XX/XX/XXXX/2024 XXXXXX/XX/XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

The agency of Cohn Goldberg & Deutsch sent all the letters to the wrong address and when I went to my daughter 's house to fix the heat for her tenants she told me to check her mail and that's when I seen the letter from there office. I contacted them and they wouldn't let me talk to a lawyer in there office. This account was charged off on XX/XX/XXXX and they sent me a letter which is dated XX/XX/XXXX and in Maryland it's only 3 yrs on  any writing contract. They issued a garnishment against me. I called once again the gentleman said they issued a judgment on XX/XX/XXXX I checked it and didn't see any judgment against me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

bank of america is closing my checking account without any reason whatsoever.
Product: Debt collection

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. 
I obtained the credit reports and it said I owe {$570.00} to XXXX   XXXX XXXX and originated with XXXX XXXX XXXX XXXX Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX XXXX XXXX   which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Product: Debt collection

I received a letter on XX/XX/XXXX and XX/XX/XXXX from Credit Control , LLC claiming I have a debt they're collecting on behalf of XXXX XXXX XXXX with the original creditor XXXX. The claimed amount due is {$2800.00}. I've never purchased anything from XXXX and dispute this claim.
Product: Checking or savings account

During the month of XXXX, Bank of America allowed 8 fraudulent accounts to be set up with my information. 

I spoke to BofA right when I received a statement in the mail, they said they would close all accounts. I then received 6 more statements regarding accounts that they had closed but yet let 2 more stay open.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Debt collection

2 Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

The servicer for my second mortgage is claiming that they are still going to report a 30 day late ( previously a 60 day late that they did fix on my credit report ) for a late payment that was due XX/XX/2020 and not paid until XX/XX/XXXX. This payment was not able to be made due to the co-borrower on the loan being locked out of being able to pay though the online website, unable to have anyone from Statebridge answer the phone, and past payments being lost by Statebridge. When the co-borrower tried to have this resolved and was able to actually have someone from Statebridge answer the phone they stated to her, that they would not be able to help her because she was " not on the loan ''. This was only resolved months later when they put the co-borrower on the mortgage in their system as a co-borrower. She made every attempt to pay - frantically called with no one answering, locked out of the website, emailed, and was told she was not on the loan and could not pay over the phone. Sending in the check would not have helped because of Statebridge losing payments, only correcting the matter over a year later with Statebridge refunding the late charges of receiving a " late payment '' that was, in fact, not late but lost by this company. Every attempt was made to make the payment, but it was either impossible or rejected by Statebridge, none of which is the fault of myself or the co-borrower so it should not reflect on either of our credit reports and needs to be corrected by Statebridge.
Product: Credit reporting

I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.
Product: Debt collection

I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax, XXXX, XXXX and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Second Round Complaint I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX : They stated Im paying under partial agreement .Which is false .No documents or signatures. 
XXXX XXXX XXXX # XXXX Equifax : XXXX XXXX XXXX XXXX XXXX. This account was paid off XXXX XXXX # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX They stated Im paying under partial agreement. Which is false. No documents or signatures. 
XXXX XXXX XXXX # XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX. XXXX GaXXXX XXXX XXXX XXXX. XXXX Ga XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

Selene Finance is truly a criminal organization and should be closed down. 

I made TWO payments for XXXX and TWO payments for XX/XX/2021, 1 each to the previous servicer and 1 each to Selene Finance who for months has denied receiving the payment. Until this morning as I sent them written proof from the previous servicer.

I have requested a payment history and escrow analysis. I was told : 1. request via email and you will get response in 5 business days 2. request via email and it will take 10 business days 3. it will take 30 days 4. it will take 30 business days Bottom line : I have paid off the loan of approximately {$170000.00}, except maybe {$2000.00} I need payment history, as Selene is not trustworthy XXXX Again, I can not pay this unless I have payment history. Once payment history is confirmed only then will I trust a payoff quote. 

The other big issue is that Selene Finance threatens to report to the credit reports if I do not make the XX/XX/2021 payment. Except the payment they request is double what I owe on this mortgage. They tell me this will not be solved for another 30 business days. 

Time is of the essence I will attach : -statement showing illegal late fee 16 days after mortgage transfer -email trail starting XX/XX/2021 -As well attached is payment history of PREVIOUS mortgage company showing funds they transferred to Selene. Whist as of today Selene was still denying it received
Product: Credit reporting or other personal consumer reports

A loan of {$9300.00} from XXXX XXXX XXXX appeared on my Discover Alert. contacted discover and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE DISCOVER REPORT. please contact at XXXX for further follow ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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

This account has been closed as of XXXX, the credit bureau is still reporting past due and last payment in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST RECENTLY SUBMITTED A DISPUTE TO EXPERIAN AND EXPERIAN TELL RESPONSE TO CFPB IS THAT THEY NEED A COPY OF SS CARD DRIVER LICENSE AND A COPY OF UTILITY BILL I HAVE SENT THIS TO EXPERIAN TWICE CERTIFIED AS WELL AS NOTARIZED HOW MANY MORE TIMES ARE THEY GOING TO KEEP GIVING THIS EXCUSE CERTIFIED MAIL SENT TO EXPERIAN HAD TO BE SIGNED SO THEY RECEIVED A COPY OF MY DOCUMENTS