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

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Product: Student loan

XX/XX/XXXX : I received notice that my repayment plan was ending, and that I would have to submit a new IBR by XX/XX/XXXX in order to stay on the plan.
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XX/XX/XXXX : I submit an Income-based Repayment ( IBR ) Plan request, along with copies of my tax return.
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XX/XX/XXXX : I was informed by FedLoan that in order to process by IBR ( I was switching plans ) I would have to make a one-time payment of {$150.00}. FedLoan stated that they would inform me of the due date for the {$150.00} payment.
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XX/XX/XXXX : FedLoan informed me that they placed me on a Standard Repayment plan ( no reference was made to the IBR I had submit ), and that my new monthly payment was going to be {$420.00}, starting on XX/XX/XXXX. At this point in time, my payment history was up to date, with the next set of charges owed slated for XX/XX/XXXX.
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XX/XX/XXXX : FedLoan sent me a notice that my interest payment of {$150.00} was past due. I had never received a notice that I had an interest payment due in the first place.
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XX/XX/XXXX : I paid the past due interest payment of {$150.00}.
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XX/XX/XXXX : FedLoan sent me a notice that my request for lower payments was denied because I had not submit the monthly payment. When I logged on to my account, I saw that my monthly payment was now {$720.00} a month ( up from the previous $ XXXX/month ), and payment was not due until XX/XX/XXXX. I had been denied lower payments because I had not paid the monthly payment, which was not yet due.
<P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/> XX/XX/XXXX : FedLoan did not process my most recent IBR, and so I was forced to pay the monthly payment of {$720.00}. I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : FedLoan denied by IBR, stating that they did not have a copy of my most recent tax returns. <P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : I received a phone call from FedLoan Servicing about my student loan. I called them, and they informed me that my IBR had been denied again because I did not submit my tax returns. <P/>In talking with the agent, I expressed concern that I could see on my FedLoan account that I had uploaded the tax returns four times, and did n't understand why she could n't access them. <P/>She said that I had only uploaded a payment voucher, and not a tax return. <P/>I asked her to open the document again and to scroll down to the fifth page, where she could find the tax returns. She did as I asked, and confirmed that yes, they had copies of my tax returns, and that she could see all of the previous tax returns that I had uploaded. <P/>My IBR has been on hold because no one could be bothered to scroll past the first page of a 21 page document. <P/>The agent informed me that she would send my request for expedited processing.
Product: Consumer Loan

I received an automobile loan from Wachovia Bank XX/XX/XXXX, and paid that loan off XX/XX/XXXX, however I never received a lien satisfaction letter and the DMV was never sent the satisfaction. Wachovia no longer exits and was bought out by Wells Fargo. I have contacted Wells Fargo on multiple occasions to get a lien release however they can not find the account. In the meantime I am unable to sell the truck because I can not get a lien release. 

The whole experience has been very frustrating and confusing. I have been asked to submit a request in a writing but that could take 30 days or more to research.
Product: Debt collection

I. C. Systems sent me a letter about a debt that is not mine. I called them requesting more information and sent them a letter. Today they put accounts in collections with credit agencies without providing further information about the debt they are trying to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX
Product: Vehicle loan or lease

Late fees not waived Rowdy behavior by Bank of America collections agency Football between departments XXXX agents talking like parrots with standard legal terrorism statements Non availability for in person meeting by any Bank of America employee in person Modern corporate terrorism Prompts voice response systems closed XXXX Giving trouble to consumer through one sided policies Charges for retrieving 7 years bank statements Other similar bank are providing free
Product: Credit reporting or other personal consumer reports

Experian is in violation of 15 USC 1681 2 ( a ) : A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. I have not given permissible purpose nor consent to report these " Late payments '' or share my individual privacy. Experian is effecting my credit worthiness. I demand correction under the FCRA.
Product: Credit card

For 4 years in a row Discover refused to XXXX me opportunities for hardship program or lower interest rate. Last year they finally agreed to a short temporary 13 % interest rate. They currently refuse to extend it and told me there is nothing available. Meantime the interest is charged DAILY which, if I make minimum payments ( which is all I can afford ) therefore if i make a payment of {$130.00} - {$110.00} is allotted for interest. This is UNETHICAL AND PREDETORY. They are doing this to THOUSANDS of people. It is so bad that my account is almost over the limit and will be so soon due to INTEREST ABUSE. This HAS to be stopped. They are financially raping their customers and fostering poverty. I need resolution- it is so sad that in order to cut a deal I have to stop payments which adversely affects my credit score - leading to MORE POVERTY. Discover not only misrepresenta these unsavory practices but in my opinion is committing fraudulent practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an updated auto transcript and was sent a pin which does not work to download it. I requested an overnight XXXX XXXX with a new pin and was refused. I am requesting an immediate download to my e-mail address. I can understand why LexisNexis has a D- rating with the XXXX which overrated. 

LexisNexis failed to correct the matter and is stalling by responding " investigating. '' I forwarded this message with no response : That's why you have a D- rating because your response mirrors your rating. Instead of being proactive and resolving the pin problem you role play : Youre investigating like Congress so you can delay the solution and not answer specifically. Furthermore, you have not specifically stated whether or not you will e-mail me a working pin or XXXX XXXX me over night as requested. Finally, you did not call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company bought my information from a company that I had returned the merchandise to. The company never corrected my account that I closed back in XXXX. This agency is still today 5 years later is updating this account and will not correct that this account was closed in XXXXThey have and is calling my family members about this account.
Product: Mortgage

My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/XXXX.
Product: Student loan

I have made every single payment on time. I have tried to get them to lower the interest rate ( it 's at 9.75 % ),. The last time I called them, they said there was nothing they could do, they could not refinance my loan, even though I 've paid every singe payment on time for the last 4 years. The gentleman I spoke to said the only way I could get the nterest rate lowered was to " be late on a payment, and then COLLECTIONS will call you, then you can negotiate with them about refinancing ''. Why do I have to go to collections before I can be considered for refinancing? I have a XXXX credit score, there is NO REASON for my interest rate to remain 9.75 %. It will take me XXXX more years to pay off my loan at that rate. Absolutely absurd.
Product: Credit card

I traveled out the country and stopped at a local gift shop. I attempted to purchase some tequila. I was informed that my card would be charged {$650.00} Mexican pesos for the tequila, an equivalent of about {$40.00} USD. The vendor ran my card and I informed him the charge was in USD. He showed me a screen which said my charge was declined and no charge went through. He then tried to convince me to go to the ATM to withdraw cash to buy the tequila. I declined and left the store without any tequila. Later I disputed the charge with Bank of America because I did not authorize {$650.00} US dollars to be charged to my account. I also never received any product for the money charged. I disputed the charge with Bank of America 2x and was denied both times. The first Bank of America rep informed me that the vendor made 3 attempts to withdraw the money from my card after I already returned to the United States. I was then informed Bank of America had proof that I did authorize the charge. They refused to issue a refund. I received a copy of the proof the company sent to Bank of America. There was a signature on the document, but it was not my signature. The vendor forged my signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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. 


XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

Despite my prior XXXX attempts to resolve these issues, the following problems remain unaddressed. These inaccuracies are not only impacting my creditworthiness but also causing significant stress and financial inconvenience. It is imperative that these errors are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any additional information pertinent to the erroneous charge-off accounts. 

Given the urgency and seriousness of this matter, I request the following actions be taken without further delay : Please help me conduct a thorough review and correct the opening dates of my accounts to reflect the accurate information and Investigate and remove the incorrect charge-off accounts from my credit file. Also please confirm in writing that the necessary corrections have been made to my credit file. The prolonged delay in addressing these matters is unacceptable. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to correct the late open accounts and remove the charge off : XXXX XXXX XXXX  XXXX Balance : {$35000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be XXXX  % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$600.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$670.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

CFPB ... XXXX XXXX XXXX XXXX, XXXX filed with the XXXX complaint # XXXX XXXX XXXX XXXX reference # XXXX Mullooly, jeffrey, rooney & flynn , LLP index # XXXX Affidavit server XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit card or prepaid card

While booking flights on United Airlines website, XXXX, a pop up appeared offering a Chase United Airlines credit card. I am attaching a copy of that offer. I applied, was accepted and then booked my flights, assuming the credit of {$250.00} for opening card account would be posted to the same statement as the airlines charge. When it didn't, I made several telephone inquiries to rectify and never received an answer until a Chase service employee directed me to " secure messaging '' on the website. I have several communications back and forth with said " messaging service '' have forwarded a copy of the original offer made on the website and Chase still will not resolve the matter. The amount of money is not the issue here. The run around from Chase and the fact that they are living up to the offer is. Thank you.
Product: Debt collection

When I walked in to the club and opened my health club membership, they told me I would only owe the initial opening amount, the first month, and there would be an annual fee per year for equipment fixing. She did it really fast on an ipad and I signed and trusted her. I recently had to quit the club and now they want another month payment and a fee of {$59.00} buyout option. They never disclosed this to me, there was never a meeting of the minds and this contract is fraud. If you read reviews on XXXX, many people are upset about this fraud, I am not the only one. I want to leave this membership without a fraudulent buyout fee.
Product: Credit card or prepaid card

XXXX disabled my debit card in XXXX without any reason specified. Following a phone call, they corrected the issue and I was able to use the debit card again. The message was " Our team has completed our investigation and has determined that your account meets our criteria to be unblocked for use. '' A few weeks later, the card was again suspended. I again opened a case ( # XXXX ) and the response received was " We completed our investigation of one or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' I have repeatedly asked to know what what transactions are in question and which part of the card member agreement is in violation. Per the Terms is Service for the debit card, I am entitled to investigation documents upon request - I formally requested this information and my requests have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account number XXXX  amount {$840.00} XXXX XXXX XXXX account number XXXX   amount {$320.00} XXXX XXXX XXXX XXXX Account number XXXX  for {$290.00}
Product: Debt collection

Capital one credit XXXX XXXX XXXX XXXX Law XXXX usc XXXX ( c ) that law clearly states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.
Product: Mortgage

My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.
Product: Checking or savings account

Upgrade XXXX XXXX BANK refuse to close my account and its been almost a year and I called on XX/XX/XXXX to close my account and they stated it will be closed in 30 days and its still showing its open as of XX/XX/XXXX and the rep said it restricted and I dont want this account mess up my credit reporting I dont owe anything on this account and Im asking them to close it