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

On XX/XX/XXXX of XXXX, I bought a vehicle that was financed through Modern Financial Services of XXXX. Being a first time car buyer I expected my credit to take a while to show up but was still waiting for it to come. Around XXXX of XXXX, I was still not seeing anything on my credit report from this company, so I called and questioned them. They told me we are currently having troubles with our credit Reporting, it should be there in a couple months. Around comes XX/XX/XXXX, I call again because there is still no credit report from them. Another month and a half goes by, I decide to refinance. So around XX/XX/XXXX, I refinance away from Modern Financial Services, still not seeing a credit report from this company. It has been over a year that I was financed through them, so I expected to see a years worth of credit from them, which one member of the company, XXXX, told me would happen. He told me every time I called, we will be reporting fairly, you will see a years worth of credit on your report as soon as its approved. Then when I viewed my credit today, XX/XX/XXXX it was finally there, but I was only given one months worth of credit and was told that was all I will be receiving, which is unfair and in many different ways, and I was lied to, and I have read that this is not the first time this has happened.
Product: Debt or credit management

Face servicing is in charge of my Mortgage Debt and I was sent lost mitigation papers which I submitted mid month of XXXX last month I sent them in and then they requested from me via phone call to supply some more information on certain pages of the loss mitigation document I did that and sent it last week and I was given until the XXXX of this month XXXX to return that information to them to include in my loss mitigation documentation. Instead Fay Servicing I found out through a realtor who contacted me to do a short sale informing me for the first time hearing it that my house was to be auctioned off for sale XX/XX/XXXX at XXXXXXXX XXXX. at the XXXX XXXX Courthouse steps in XXXXXXXX XXXX XXXX. Faith servicing submitted that filing last week Wednesday the XXXX! They had given me till the XXXX to give them that additional info in paperwork which I sent last week! They never let me know my house was up for auction sale. I found out from a realtor who emailed me to do a short sale telling me that I was going to auction in the email I had no idea as far as I knew I had sent in the documents to have my l o s s mitigation work for me because I not only have funds coming to me that will pay for it but as XXXX as I am I'm starting a job tomorrow to start giving them funds in case my settlement funds don't come in in time so they lied to me and pulled a fast one again I received no notice that I was headed for auction I thought my loss mitigation would be accepted. Again to reiterate, I received no information about an auction sale. I found out through a realtor that must have searched my information and contacted me to do a short sale this is how I found out that my home that I live in as a XXXX American is up for auction with no chance of changing this no choice no loss mitigation response no chance to make amends as I'm just starting a job as XXXX person with health issues. I started a job to save my home so that I'm not homeless and to save my animals because they will have to be XXXX if I live in my car! And they have put me in this situation by lying to me that they would consider my loss mitigation this is fraud and fraud viciates everything! F a y servicing never gave me a chance to negotiate anything! How is this happening how is this legal? And we already know many of us do, the mortgage industry is based on fraud! They never lend us anything!
Product: Student loan

I been making payments consistently on fedloans and they are not processing my payments and now my credit score went down 90 points so I cant even get a car and its because of them Ive been making my payments and its completely unfair
Product: Debt collection

Ive been having this comenity bank charge on my account for years, years ago i was employed at XXXX XXXX, we are talking over 7 years ago, it was a requirement for us to try out for a corporate credit card upon employment, i was denied of course never received a card from my director and or company, a few years after i left the company i noticed these charges from comenity bank that were in collections Ive tried to rectify this situation for years now, no luck Ive contacted XXXX XXXX corporate, Ive spoke with the card issuer, yet still no luck i have now been getting Unknown phone calls and voicemails stating that they are taking me to jail and are going to contact my employer as well, theyve contacted my sister and left her threading Voicemails as well, now i have comenity bank and also XXXX XXXX, which is the collection agency that took over this account, yet both of them still report negative after years and years of trying to get this wrongful account removed from my credit, i cant take the harassing phone calls every morning for the last week now, and also contacting my family, this is ridiculous, this is my final step before i do contact an attorney on this matter!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : XXXXDEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXXDEPT OF ED XXXX % paid off {$7800.00} From XXXX : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) Program and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX XX/XX/XXXX {$7800.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$13000.00} {$0.00} XXXX XXXX XX/XX/XXXX {$10000.00} {$0.00}
Product: Bank account or service

I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BANKRUPTCY SHOULD NOT BE IN MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have 1 account from XXXX XXXX XXXX  & 4 accounts from XXXX  XXXX  XXXX  that I reported as fraud an Equifax and XXXX  refused to remove them.
Product: Debt collection

Jefferson Capital at XXXX has been harassing me for nearly XXXX years now with non stop phone calls. I even get phone calls at XXXX XXXX  on a Saturday by a robocaller. They claim they are looking for someone else which I have told them I do not live with however they continue to call. They have stated threats such as legal action and request personal identifying information over a phone for a debt I never had. I have told them I am on a do not call registry as well with no regard.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 15 U.S.C. 1666b is a law that regulates the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers at least 21 days before the payment due date. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. There are inaccurate and unknown items on my credit report that are taking over almost 60 days for a response. I feel as if Im being taken advantage of and my disputes are being ignored.
Product: Mortgage

I have been notified by XXXX that my mortgage company, Guaranteed Rate, failed to pay my home owners insurance premium expenses from my escrow account. The payment was due on XX/XX/2021 with a grace period up to XX/XX/2021. The mortgage company didnt disburse the funds until XX/XX/2021. XXXX didnt receive the payment until XX/XX/2021. 
I am now without homeowners insurance. The mortgage company has not offered to remedy this situation in any way, except add lender 's insurance to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ XXXX XXXX XXXX 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 or other personal consumer reports

I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this matter.
Product: Credit reporting or other personal consumer reports

someone attempted to do fraudulent applications and I had 18 inquiries and that are all showing on XXXX Transunion and XXXX here are all of the inquiries that need to be deleted off of my account. here is a list of the accounts that should be deleted. XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I noticed that my cut off time to pay bill is XXXX XXXX EASTERN time. I live in Central time zone NOT eastern so why is my bill stating eastern business times? i also noticed that the cut off time is XXXX XXXX however, it states that is for mail in payments specifically. I NEVER mail in payments nor is a time given on my statement for any other means of making payments. This is probably why my credit limit was decreased and why i got late payments fees. This is an unethical way of doing business. How are these types of companies allowed to do business in this manner? This has also been reflected on my credit.
Product: Credit card or prepaid card

I logged in online at XXXX to pay my XXXX XXXX card and it wouldnt let me choose XX/XX/XXXX ... I could only choose the next day. I looked and to my dismay I had to login by XXXX. I went ahead and made my payment and sent them an email my daughter was sick anf being doctors was closed had to take her to stat care, therefore, it slipped my mind until I got her home. They replied I had a fee off last XXXX and wasnt eligible. I last year battled XXXX and forgot on a XXXX XXXX..I cant believe they dont care about a VERY GOOD customer. It was such a canned response. I believe they should remove my fee ... for Gods sakes its been a year! Its bot like i dont carry a balance, believe me they make money on my interest. I would like them to reconsider removing any fee. Thank you
Product: Mortgage

Please see enclosures regarding the earlier COMPLAINTS FILED COMPLAINT XXXX XXXX & COMPLAINT XXXX  XXXX As regards the replies from SLS Please be aware and know that the SLS reply to each Complaint is identical and does not address the issues in my Complaints. 

The enclosures state what SLS ignores over and over again along wiht SLS misinformation such as stating I said the LOAN was fraudulent when, in fact, the LOAN was USUARY. however, the FORECLOSRE was INTENTIONALLY FRAUDULENT. 

Most of the information given in the SLS reply is just words without relating to any of the content in my COMPLAINTS. 

Both of the replies will be downloaded herewith along with some of the photos of the INTERIOR DAMAGES within the SUBJECT PROPERTY PLEASE be aware the photos of damages are the only ones that could be reached. There are futhere damages that are hidden by furniture, boxes, etc. all to heavy or cumbersome for me to navigate.
Product: Debt collection

This judgment has been on my credit report since 2017 I've tried to resolve the issue by calling the apartment complex trying to resolve the debt they no longer have my original file and said that they could not give me any information that it was already sold to the collection company, I said so how do I order the debt if you can't give me my own information nor could you give me the collection company that you sold it to information in order for me to resolve the issue I was only one month behind and they have a debt on here of {$6000.00} when I was only paying {$850.00} a month I do not think the charges are valid nor do I all the debt to the apartment complex they were also very unprofessional and acted as if they didn't want to help me to resolve the issue or tell me why the debt is so high when I was only paying {$850.00} a month when I was evicted
Product: Checking or savings account

On XX/XX/year>, my Chime account was closed without any prior notice. I was not informed via email, message, or phone call about the account closure. I only discovered this when I attempted to log into the Chime app and saw that I had no account with them. I immediately contacted Chimes customer service to understand what happened, and they informed me that my account had been closed. They mentioned that they would send me a check for my funds. 

On XX/XX/year>, when I contacted Chimes customer service to inquire about the closure of my account, it was reopened during the call. However, the money was no longer in the account. I have made multiple calls to Chime, and the representatives seem confused about the status of my account. They acknowledge that it is now open, but they are unclear about the sequence of eventsspecifically, that my account was closed and then reopened, yet the funds are missing. 

Later, I received an email stating that my account balance of {$1200.00} was transferred to the state due to an extended period of inactivity, as per state and federal guidelines. They advised me to check my states unclaimed property website to retrieve my funds. However, when I checked the website, there was no record of my funds. 

During multiple subsequent calls to Chime, representatives informed me again that they would send a check for my missing funds, but they seemed confused and unsure about what had happened to my money. This situation has caused me significant stress, as I relied on these funds for emergencies. I need clarification on the status of my funds and instructions on how to recover them and why I was not informed about the account closure and the status of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Checking or savings account

From XXXX XXXX XX/XX/XXXX, Chase bank charged me 11 overdraft fees, although I requested multiple times for the feature to be turned off at least four times. During this period two deposits were made prior to the fee incurring in which XXXX stated I had time to settle balance before a fee was incurred according to emails. {$370.00} in fees is predatory especially considering the charges were not paid, so no funds were lost for the bank, I requested to opt out of this feature, at least {$540.00} was deposited within the dates listed above and quite a few transactions did not total over {$50.00} but still incurred an overdraft fee.
Product: Checking or savings account

I am an attorney and I deposited a settlement check in my client trust account at Chase Bank. The check posted and funds were released. I notified my client and issued checks to my client from the settlement. Then XXXX days later, Chase without permission or consent debited the settlement funds from my client trust account and put a 10 day hold on the previously released funds. This meant that I had to notify my clients right away and tell them not to cash or deposit the check as it would bounce and I would be reported to the XXXX XXXX for issuing a check with insufficient funds from my client trust account. 

When I contacted Chase to ask why they debited the money, their explanation is that they felt they needed to put a longer hold on the check. I understand a bank can put a hold on checks. My complaint is based on a bank releasing the funds from a deposited check and then, debiting and/or putting a hold on the released money. This is specially true for client trust accounts as the money in the account belongs to my clients and I am required to release the funds to them as soon as possible.
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. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations