23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express has frozen my Membership Rewards points and has not provided an explanation other than the generic its being reviewed. This has started XX/XX/2019 and up to now it still has not been resolved. I have 3 cards that earns MR points and I have contacted them multiple times ( since XX/XX/XXXX ) and got passed around from one department ( Membership Rewards, Amex Customer Service, Fraud department ) and eventually all the explanation given is account under review. I have a XXXX  trip coming up to the XXXX soon ( this XXXX ) and using these points to convert to miles is what Im relying on to be able to go there. Please resolve the issue ASAP and let me know the specific reason other than the generic under review. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unauthorized inquiries on my XXXX Report. They are for XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX on XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX And XXXX  XXXX ACCT # XXXX.
Product: Credit reporting 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 accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I previously disputed and they removed, then listed again on XXXX and Trans-union a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in XXXX. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for the government I must keep abreast and make sure the credit report have the correct information. But Trans-union and XXXX refuse to update their records
Product: Credit reporting, credit repair services, or other personal consumer reports

I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from GM Financial and paid it. I never received anything from GM Financial except that my vehicle was returned and my balance was XXXX and the account was closed. I just got an alert from XXXX  that my credit rating has gone down 45 points because GM Financial is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All GM Financial has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I filed my first unemployment clam on XX/XX/XXXX. It says that your card will be mailed out the first week you clam for benefits and it will take 7 to 10 days to receive in the mail. On XX/XX/XXXX i received a email saying that my replacement card is on the wat depending on the time and day tracking info be available. There was no tracking number or how it was mailed. XX/XX/XXXX i called was on hold 2 hours and hung up on. I try to contact via email or wedsite and cant because i don't have a card number. XX/XX/XXXX called 4 times got hung up after i finally get thur the 5 min automaton system. On the XXXX try i finally got put on hold for 2 hours and got hung up again. On XX/XX/XXXX called and was on hold for 1 hour and got thur to talk with someone. They told me i should of received my card the day befor and adviced me to wait to see if the card came that day. It did not come so it tried calling same day and yet again on hold for 2 hours and hung up on. XX/XX/XXXX, and XXXX same thang on hold for 2 hours and hung up on. Its very frustrating because i lost both jobs due to covid-19 and i have no money to pay my bills but i have over 2,000.00 from unemployment but can't get my money because i have not received a card and can not get a hold of the company to let them know i haven't received it.
Product: Credit reporting or other personal consumer reports

I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight. 

I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.
Product: Student loan

I requested a lower payment with navient back when COVID hit. From XX/XX/XXXX through XX/XX/XXXX I would call to discuss lowering my payment as I could not afford to pay the loan amount any longer and all they would offer me to do is a loan forbarence due to COVID 19 and the 12 month hardship option and now work with me about lowering my payment. I have asked in XXXX to reach a settlement and Navient would not offer me one or lower my payment. I would receive threatening letters about legal action and still now offers to help lower payment
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX XXXX  are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 15 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a. 

Again, You have failed to conduct a proper investigation and the information is not accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : XXXX XXXX XXXX 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

In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.
Product: Consumer Loan

My son lives in XXXX.XXXX-he purchased a new car.I told him I would co-sign on a loan for a car, just let me know and so I can read and go over the loan application before I will co-sign on a loan.Time went by and he went to purchase a car ( we did not know he found a car yet ) The people told him he had 2 days to get a loan-he said I lived in XXXX, XXXX and had to look over loan-fearing he had no time to get me to look at loan, he took it home and signed my name to loan.The auto people new he signed my name and gave him loan anyway, Again I had no idea any of this was going on.I never received loan application-never spoke to auto dealership or chase bank at all about a loan-never new until my son callled and said he got the car.If I had seen it I would of never of signed a loan with a 7.85 % car loan.They told him it would be 4 %, but at the last moment changed it to 7.85 % .We have tried to get them to take me off loan-my son told chase verbally and in writing I did not sign for loan and they still will not take this off my credit report-which chase put me on all XXXX credit reporting agencies with a XXXX loan.my credit score has dropped.
Product: Student loan

I have applied multiple times for an income-driven repayment plan. I was previously on an income-based plan and was moved to a graduated repayment plan. I am now being denied by my servicer, Nelnet, who is saying that the decision comes from the Department of Education. According to my master promissory note, if my loan is found to be ineligible for an IBR, then I have the ability to have my loan type changed to Direct. In addition, within my MPN, it states that as long as both parties within the joint consolidation loan are eligible for forgiveness, then we are eligible. We are both public school teachers and our employment has been verified. Nowhere in either the MPN nor the rules of PSLF, does it state that joint spousal consolidation loans can not be converted to Direct. I am looking for the specific language that states as much. In fact, my MPN states the opposite, that we are both eligible and can receive forgiveness, AND that we can change our loan type since we were found ineligible for IBR.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit reporting agencies via mail on XX/XX/year> to investigate XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX account. XXXX XXXX is reporting the incorrect balances on my credit report and adding late payments to the account each month. They offered to settle the debt for 80 % less than what is being reported. XXXX XXXX XXXX  is reporting late payments on my report each month even though XXXX XXXX XXXX is managing the account. I was not notified that my info was given to them. I did not find out until I reached out for an update via mail on XX/XX/year>. Both companies are violating the FCRA laws such as, law 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ). I asked for the credit reporting agencies to investigate the accounts and to provide proof of validity ; They did not complete an accurate investigation. If the information is not being reported correctly, it needs to be deleted. 

I reached out to the credit reporting agencies about XXXX XXXX XXXX collection accounts to investigate the validity of these accounts because I do not recognize them. They all sent me automated letters instead of completing an accurate investigation.
Product: Student loan

I have entered my bank account information for auto pay for my federal student loans before XX/XX/XXXX ( when my first payment was due after the payment pause ). This would result in a XXXX XXXX interest rate reduction. 

I was notified that my payment was denied due to insufficient funds in my bank account ( I have significantly more money in there ). I tried instead to do a one-time payment, and it was also denied for the same reason ( insufficient funds ). My payment is now late and I am at risk of my credit being impacted. 

I have not been able to get in contact with Nelnet yet over this issue and when I researched the problem it appears this exact scenario is common.
Product: Credit card

Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.
Product: Debt collection

I disputed the collection originally because I had payed the debt approximately 5 years prior to the XX/XX/XXXX posting on my credit report. I sent a formal complaint through the credit bureau and called allied to dispute and validate the debt of {$260.00} around XX/XX/XXXX. I never received any letter of validation. It was removed from my credit report around XX/XX/XXXX. Now they Put it back on my report as of XX/XX/XXXX. 

Gentle breeze payday loans Allied collection service
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for the following key issues : XXXX. XXXX XXXX and XXXX : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law. 

XXXX. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

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

15 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without instructions. 

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My transunion report was mixed with XXXX different persons with same name. My report was filled with number of derogatory accounts. Some of those accounts were opened even when I was not in XXXX. 

Due to this error, i failed in XXXX of my jobs background check ; my credit application was refused even my personal credit history meant to be clean. This gave me lot of trauma and mental stress. 

To rectify, i reached transunion XXXX times. I used to call them during my work breaks, my day-offs. They never helped me. They asked me to file dispute online or on call. I filed dispute XXXX  times ; every-time there was wait of XXXX plus days. They asked me to reach out to creditors and get letter. Creditors said they cant help me as its error from transunion. I sent them my passport, license, address proofs, employment letter and everything they asked. I sent them letters in writing XXXX times. 

Finally, after a year my report was cleaned by transunion and they sent me report which only had my accounts on it ; nothing derogatory. 

I was happy until i found after XXXX months they again mixed my report and same derogatory accounts came upon my profile. My credit score fell to XXXX again due to error from transunion. Now i am again stressed mentally due to this. I am having nightmares due to this, as transunion again asking me to go through from same process. 

But why? What did i do wrong. Why transunion making me to suffer even they corrected last time after having me to struggle for long time. I really want justice on this as it is impacting my mental health causing a lot of stress. Being a XXXX year old, i need a good credit. I am a hard working person who always pays all bills on time but still i am suffering due to someone else derogatory accounts.
Product: Debt collection

While on vacation I had to visit an out of XXXX XXXX XXXX XXXX XXXX, ID because I needed an XXXX. It was a work related injury so all hospital bills went to XXXX  XXXX XXXX XXXX XXXX. The imaging department of the hospital made a mistake and incorrectly billed me for {$140.00}. I called the hospital and gave them the phone number, case number, and claim representative. I never heard from them again until I received a notice in the mail followed up by a call from the debt collection company Chapman Financial Services , Inc. Once again, I explained the situation and gave the person on the phone all of the relevant information. She seemed fine with the information provided and months went by with no notice. I thought everything was taken care of and I never received another communication regarding the matter. However, recently I purchased a car and noticed that Chapman Financial Services , Inc. put a " collections '' notification on my credit report. I called them and let them know that this was a XXXX XXXX XXXX XXXX XXXX bill and that it did not belong to me. They said they were unable to get a hold of my claim agent and so the debt therefore belonged to me. They refused to look into it further and said my credit would be damaged unless I paid. I have never made a late payment in my life, so I was scared and paid them to make it go away. This isn't fair because it isn't my debt and I did nothing wrong!
Product: Mortgage

Applied for a mortgage to pay off my ex wife for the condo we bought together at the end of XXXX and was dragged along until XXXX saying I was approved. I was charged over {$1000.00} in fees and then finally emailed I was declined because my condo hoa didnt pass final review.They were unprofessional and told me the fees can not be refunded. I feel extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Running my credit with out permission
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> this case was dismissed at court by Citibank representatives. Since then until present you have been reporting me negative to my credit report.I dont own any balance to Citibank like you are reporting me for the amount of {$5.00} that was only {$3.00} in only 6 months increase to the highest interest never seen before with no other bank. Please I asked you to removed me from my credit report.!! You dont have to report me for any balance that I dont have to pay. I dont own Citibank any balance. Thank you.