23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

Transunion Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX Transunion fraudulent inquiries XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
Product: Mortgage

On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's    XXXX   XXXX   XXXX   XXXX     response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR US TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE SLOW TO UNDERSTAND THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE SLOW I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.       Bank of America has violated Bankruptcy  Law  and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
Product: Checking or savings account

I deposited a check from my mother ( a cashiers check in the amount of {$3000.00} ). Fifth Third bank claimed this was a fraudulent check and froze my account. The same day I had the bank the check was from XXXX XXXX XXXX XXXX ) call fifth third and provide proof that the check was valid. I was able to confirm all of this with fifth third. My account was frozen last Tuesday and is still frozen today. Each day I call they tell me two to three business days. It has been three business days and I can not still get into my account. I have bills to pay what will incur late fees if I can not access my account.
Product: Vehicle loan or lease

Purchased used XXXX XXXX XXXX XX/XX/XXXX paying a note on car XXXX interest 21 %. Never missed or was late on payment from XX/XX/XXXX to XX/XX/XXXX. During that time. From XXXX to XXXX. 1st thing that happen was my center manifold that went the next night after purchase, wanted to return car they wouldn't accept they the paperwork was already pushing through. They fixed the car I did have warranty but red flag. On XX/XX/XXXX I had to get a new transmission miles ( XXXX ) also rear differential along with axle shaft, I have all paperwork ... still covered under warranty they fixed it. On XX/XX/XXXX I had to replace my entire bottom car price on parts total was XXXX that's with my job discount. Labor cost me XXXX I have paperwork miles on car ( XXXX ). On XX/XX/XXXX Transmission went again took it back to the same spot who recently did the transmission, miles on car ( XXXX ) they fixed it. On XX/XX/XXXX took my car to the dealership my cars keeps cutting on in off. On XX/XX/XXXX XXXX XXXX called me back in said the computer brain is dead in my car, would cost around 3,500 to fix it ... that's when I called they Dealership where I got the car, they said there's nothing we can do for you and hung up the phone. So I called Credit Acceptance and told them what was happening, I said I got sold a lemon got car with XXXX on XX/XX/XXXX finished with XXXX miles on XX/XX/XXXX I barely put no miles on that car in that time frame for my car to have that much work done to it. Plus it's a dead car I need ya 'll took pick the car up. They said no you're responsible for the car no matter what. I told them the car would be sitting at XXXX to come pick it up. XXXX had been calling because nobody never came in got the car. So I went to XXXX on XX/XX/XXXX to get my things out and called Credit Acceptance to ask why nobody has come to pick up the car. They hung up. I paid my last payment on XX/XX/XXXX even after my car wasn't working I payed that last month off which I told them I would. It was on my credit. From XX/XX/XXXX to XX/XX/XXXX..late was XX/XX/XXXX XXXX. On XX/XX/XXXX I went to look for car..Credit Acceptance reopened the account and said I was late. There's nothing on my credit report from them from XXXX XXXX till XX/XX/XXXX. For some reason when I called they said there system hasn't been updated in 2 years this was sometime in XXXX of XXXX. I said this makes no sense I have the title to my car it was lemon the case was closed, they said they never closed it. So my credit went from a XXXX to XXXX because they reopened a closed account. I called XXXX  ... they said the account was sent to an undisclosed creditor from Credit Acceptance in XX/XX/XXXX then again to an undisclosed creditor on XX/XX/XXXX. So they are messing with my credit can you please help me I have the title to my car which I last heard is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GS BANK USA ( Account # XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Student loan

To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX   and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date. 
As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two accountsXXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX on my credit report with inaccuracies. These inaccuracies have obstructed my ability to access credit for essential purchases such as a home or vehicle, causing severe financial hardship. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, I discovered incorrect information associated with this account on my credit report. In compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I requested verifiable proof in the form of the original signed contract. However, the company provided only billing statements, which do not meet the legal requirements for verification. This failure has adversely impacted my credit score. 

XXXX. XXXX XXXX XXXX XXXX - This account, which I did not open or authorize, is the result of identity theft. The breach may have stemmed from the XXXX, XXXX XXXX, or Social Security data breaches. Despite repeated requests for resolution, the creditor has failed to provide verifiable proof or respond adequately to my inquiries. 

Additionally : - Several hard inquiries remain on my credit report beyond 30 days without proper authorization. 
- I am requesting a Promotional Suppression to prevent my credit file from being included in promotional lists shared with creditors. 

I also invoke the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and International Promissory Notes, which mandates proper documentation for obligations or debts. As these financial instruments require strict compliance, I demand the removal or correction of any unverifiable account information and hard inquiries to ensure compliance with this international convention. 

Dates and Actions Taken - Identified inaccuracies on my credit report. 
- Submitted dispute requests to XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX 
- XXXX : Received only billing statements from XXXX XXXX XXXX XXXX which I did not recognize. 
- Followed up with both creditors, requesting proper verification and physical contracts. 
Despite my efforts, the issue remains unresolved. Therefore, I request the CFPBs intervention to ensure my rights under the FCRA and the XXXX XXXX XXXX are upheld. If these inaccuracies are not corrected or removed within XXXX days, I will initiate legal action to recover damages of {$1000.00} per inaccuracy on my report. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. I requested to Experian to update and report accurate information many time. but they haven't update my credit profile. even though I submitted a letter from the creditor stating that the account is closed and never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$19000.00}
Product: Debt collection

I am not liable for this debt ( not mine do to data breach of Equifax # XXXX ) with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. they have not provided me with the original signed contract or photo ID as requested from me by certified mail and email. I hereby dispute the validity of the alleged debt listed entirely, I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies. XXXX, Equifax, XXXX and XXXX. Equifax has done noting to clear and delete this collection that dose not belong to me do to Equifax data breach, I have sent letters certified mail to Equifax and XXXX XXXX XXXX XXXX. indicating and verifying that the debt dose not belong to me and they ignore the facts of documentation that I was a victim of fraud do to data breach of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inquires from companies that I Have no clue who they are nor did I apply for credit with that institution. I reached out to all 3 credit reporting agencies and disputed them. they said they were accurate which is false I have sense locked all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with Experian, and XXXX XXXX, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact? 
My credit reports from Experian and XXXX report as a charge off, not sold to anyone, only under the company XXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.
Product: Vehicle loan or lease

Good Morning, My attached auto loan information is attached. A USAA representative contacted me today (XX/XX/2024 ) to inform me that my XXXX payment was returned. I did not find this information out until this morning when I talked to the USAA representative. I should have received some kind of notification that my XXXX payment was returned so I could have taken care of it then, until now when a USAA calls this morning demanding payment for a payment I thought was already made. USAA only calls when a payment is already past due. 
Also, I am not satisfied with the customer notification process or alerting when a change is made or an event occurs that affects the customer 's account. I was informed by the USAA representative that the notification is sent through the app, which would not be of any help since I do not receive any notification to check the app for new messages from USAA. I am writing to request that I be notified through email ( XXXX ) or phone through text or voice ( XXXX ) when there is any event that affects my account. 
I am also requesting that I be sent payment alerts when a payment is upcoming due or past due. Please send me these notifications to help me stay on top of this account. Your customer service has made it difficult to stay on top of my auto loan. 
Also, I am not able to see any of my payment history when I log into the app. When I check Recent Transactions, I only see what has been applied to the principal and interest on my loan. This is not sufficient, a customer should be able to see a payment history of payments they submit. 
I was told that a late payment would be applied to my car loan, but I believe this is unfair since you never adequately notified me that the payment was returned in the first place. 
I will be submitting a payment on XX/XX/2024. 
Thank you.XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an Online Savings account with VIO Bank, and on multiple occasions from XX/XX/XXXX, to present, I notified VIO Bank that my cell phone number listed on my account as XXXX had changed and that I did not have access to that number any longer. I repeatedly requested that VIO Bank update my account cell phone number from XXXX to XXXX. 

I have made multiple phone calls to VIO Bank and provided identifying information verifying my identify however VIO Bank refuses to update my contact information to prevent IDENTIFY THEFT with the use of my old phone number remaining on file. As of today, VIO Bank has failed and/or refused to take the necessary steps to update my phone number to prevent my Online SavingXXXX account from being compromised with the use of the old contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to complaint XXXX. I reviewed the response provided by Experian, but it does not address my initial complaint. In my original complaint, I have issues with : 1. Conflicting and wrong information provided by their representatives.

2. The reason why I was unable to temporary lift the security freeze using the experian.com/freeze website even though the validation information I entered was correct, as listed on my Experian credit report.

3. Why Experian 's representative set an expectation that if I spent {$90.00} to overnight the documents needed by XXXX XXXX the following morning that the freeze would be lifted within 15 to 20 minutes. However, after I overnighted the documents and confirmed receipt the following day, it took almost a week for the freeze to be lifted. 

Since my original complaint, I have received a letter from Experian dated XX/XX/2019 confirming the security freeze has been temporarily lifted, but have not received the PIN reminder notice I was told would be sent. 

I am also disappointed in the CFPB for closing my original complaint even though Experian clearly evaded addressing any of my concerns.
Product: Debt collection

The collection agency are waiting for the credit bureaus to delete collections off my records and all three credit bureaus are refusing to delete collections off off 605B it is illegal to report anthing on my credit report without my permissionCreditPlense remove this negative To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of [ state relevant laws, rights, or agreements ] : Description of the Issue [ Clearly outline the conduct or behavior you wish to stop. Be specific, e.g., unauthorized use of copyrighted materials, defamatory statements, or harassment. ] Explanation of Violation [ Briefly explain why the behavior or action is unlawful, harmful, or inappropriate. Cite any laws, agreements, or rights being infringed, if applicable. ] This conduct has caused and continues to cause harm, including but not limited to [ list any damages or harm suffered, such as financial loss, reputational damage, or emotional distress ].

Demand I demand that you immediately deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage on our home through XXXX XXXX  in XXXX. Over the past 15 months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every one of those months. I have tried three different times to contact XXXX XXXX directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI XXXX XXXX IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT