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

I took a personal loan out through One Main Financial. My car was used as collateral in the loan and One Main Financial bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. One Main Financial had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. One Main Financial was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with One Main Financial with no results. I disputed the problem through the credit bureaus but still no resolution. One Main Financial collections kept contacting me after I have noted that the there was a pending insurance claim. 
The account was finally settled with One Main Financial with a payment of {$8400.00} in XXXX 2022. One Main Financial updated the balance on my credit report, however the balance is incorrect. One Main Financial also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that Experian and XXXX still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, Experian and XXXX must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX  Balance : {$420000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have contacted XXXX, Transunion and XXXX several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Product: Debt collection

I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX
Product: Credit card or prepaid card

I received a Promotional offer in XXXX of this year for my XXXX XXXX XXXX from the Issuer, Goldman Sachs Bank. The offer was for XXXX Bonus points when you spend {$200.00} thru XX/XX/23. I have attached a copy of an email I received from Goldman Sachs describing the promo after I had already registered for it in XXXX. 

There were XXXX transaction postings to my account during XXXX but before XX/XX/XXXX : XXXX. XX/XX/23 - Sale at XXXX XXXX XXXX : {$39.00} XXXX. XX/XX/23 - Payment : {$39.00} XXXX. XX/XX/23 - Sale at XXXX XXXX store : {$370.00} XXXX. XX/XX/23 - Payment : {$370.00} After the end of XXXX, I looked for the XXXX point Rewards credit on my XXXX statement, but did not see it. When I called Golden Sachs, the agent could not answer my question and asked me to submit a written request so they could research it, which I did. 

Today on XX/XX/23, I received a call from a customer service agent at Goldman Sachs. She advised that I did not qualify for the promotion because any Returns or Payments that posted to my account would have been subtracted from the Spend total that would count towards the Rewards Promotion. I told her I definitely understand Returns being subtracted, but subtracting Payments ( thus making them count against a cardholder ) makes no sense. By doing that, Goldman Sachs is penalizing cardholders for keeping their accounts current and/or paying more than the Min Pay Due. I also told her that was not disclosed in the Promotion.

The customer service agent was adamant that is how the Promo is supposed to work, and offered to walk me thru their Rewards Terms & Conditions to prove it. She pulled up her copy and I followed along online using a link in my online account. She read thru every section tied to Rewards Offers/Promos and there was absolutely nothing even close to stating that Payments would be subtracted from the amount used to calculate Spend ; but she still stuck to her guns, stating it would fall under other terms & conditions. 

I was reminded at the beginning and throughout the call that we were being recorded, so our entire conversation is on a call recording at Goldman Sachs.
Product: Credit reporting or other personal consumer reports

This is response to ICCU 's response to my complaint. I am intending to sue as they are continuing to violate my rights as a consumer and furnishing false information to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX, XXXX I returned clothes to XXXX that I had charged to my XXXX  comenity card. On XX/XX/XXXX I received an email from XXXX  confirming the return but it only acknowledged half of the items Id returned. The credit was supposed to appear on my statement in 14 days. I never received that credit. I continued to get statements with no credits for my return. I spoke with XXXX  and comenity many times on the phone, wasting hours and hours of my life. Also hours wasted messaging them through their message portal. I emailed XXXX  and Comenity XX/XX/XXXX disputing my entire balance and attached all documentation. They never investigated a thing. 
Attached is their return confirmation email, which was insufficient and never credited. Attached is also all other documentation supporting my return of items that appeared on two packing slips, of which XXXX had previously only acknowledged receiving the items listed on 1 of the 2 packing slips. Comenity is continuing to report my account as delinquent to the credit bureaus, ruining my credit and my good name. Collections is still calling and harassing me daily. I do not answer their calls. I reported all of this to the XXXX  also, to which Comenity responded that they would research it in the next 30 days. Comenity never even bothered to research the documentation THEY sent ME, which is on my account in THEIR system, and theyve had since XXXX to do that. It was XX/XX/XXXX that I first complained about never getting credit for my return and that the return they acknowledged was only for half of what Id returned in XXXX. 

Comenity has no remorse for abusing and harassing me for monies I do not owe, nor for ruining my credit. Comenity is apparently stalling resolving this issue and restoring my good credit. It appears to me that they intend to never investigate and to never correct their egregious errors! They have no empathy for the damage they are causing to my good credit nor the mental anguish this is causing me. They continue to ask for MORE TIME to investigate! I find this infuriatingly unreasonable. 

I believe Comenity should, in addition to marking the fake debt paid in full and on time, pay me
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT This account was not investigated properly I believe my right to a timley investigation was violated and a original signed document was never produced. 
XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and convergent account # 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 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: Vehicle loan or lease

I signed a car lease with Ford Credit in XX/XX/XXXX for a lease term of 24 months. According to my lease agreement, I was not required to pay a disposition fee when returning the vehicle at lease end. 

On XX/XX/XXXX, I returned the vehicle. However, after the return, I received a call from Ford Credit stating that I owed a disposition fee. I disputed this charge and requested a copy of my original lease agreement to verify the terms. Instead of providing the original contract, Ford Credit sent me an electronic version, which may not reflect the exact agreement I signed. I have attached both contract for reference. 

I have requested further clarification and documentation from Ford Credit, but they have not provided a satisfactory explanation. I believe this charge is being wrongfully applied and would like assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and discovered the following the below accounts to be reporting as LATE 30-60-90 days, resulting in a derogatory effect to my credit score. 

XXXX. XXXX XXXX XXXX - Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX. XXXX XXXX. XXXX  XXXX XXXX - Account XXXX. XXXX Per, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, any derogatory information or reporting of a late payment associated with the above accounts must be removed upon receipt of this notification as it is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo illegally reported my mortgage as currently and previously for the past years showing Delinquent ; as it is not and at any point it should not be or previously show delinquent. In the past received a Modification and WF noted would not report past due during covid and also prior to covid worked with specialist XXXX XXXX due to WF illegally treated me unfairly with improper mod agreement. 
WF continues to treat me unfairly and falsy report derogatory info for years and should pay for it by relieving my mortgage payment s for A YEAR due to their negligence. 
Intentionally placed my credit report in jeopardy and derog status by incorrectly reporting false and derogatory information. 
WF intentionally and continuous mistakes by treating me unfairly as this is atleast what they should offer. At this point they should be penalized by offering no mortgage pmt relief for the next 12 months due failure to report correctly. 


First incident-mod agmt kicked out due to making a pmt at a drive thru and they/XXXX XXXX stated pmt was late as it wasnt -they immediately started foreclose process as I got HUD/CFPB complaint involved to correct . 
2d time-opened 3 checking acts without my authority and request to close as they refused to close-/file complaint w/CFPB 3rd time - continued to charge me pmi after I paid over 30 % of bal and inquired as they stated they removed pmi as WF lied, reported to cfpb as WF had to reimburse me for the overpayments 4th time-refused to offer proper mod agmt after I informed WF should be in a forbearance plan/showed proof of unemployment- instead WF offered HUD partial claim, file complaint w/CFPB & HUD as HUD resolved . 
5th time XXXX same situation-got laid off & provided HUD partial claim, higher rate and longer term as they should have offered forbearance mod agmt.-HUD involved and file complaint with CFPB as well..

This is the 6th time WF has treated me unfairly. When does it stop and how many times do they get away with this? WF must own up to their mistakes, with all of these illegal and fraud situations I have be treated unfairly and ended up pay additional interest, start my mortgage all over again in XXXX, after paying over XXXX into it since XXXX, and WF get more funds from me repeatedly. Yes they must own up to their mistakes by relieving my mortgage for one year OR remove the whole debt due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...
Product: Mortgage

I understand that this bank is trying to do everything by the book, but in their quest to do so puts a tremendous amount of stress on the buyer. I provided everything they asked for, and it still didn't suffice. It was particularly problematic when it came to liquidating crypto for part of the down payment. So I found a workaround in the form of a gift from my partner. Then they wouldn't let him sign it electronically through adobe sign or docusign. Do they not understand that it is way easier to forge a written signature than it is a digital signature that they can trace? Also, they allowed for everything else to be e-signed. On top of all this, the lender waited until a couple of days before close to tell me this. So at this point, it was either jump through all the hoops or lose $ XXXX in earnest money. After my partner signed the gift letter, XXXX requested more documentation, citing XXXX XXXX guidelines. Not sure why I was told this after going through the whole process of getting it signed. Part of all the confusion stemmed from the lack of SOFI properly educating me on the type of loan I was receiving. I had no clue that it was a XXXX XXXX loan versus an FHA or some other kind of mortgage. So when I tried to research on my own, I was receiving conflicting information. Finally, in addition to signing the gift letter ( a legal document ), they asked me to type a blurb stating that I would not be paying the funds back. So a legal document was not even good enough for them. After all of that, they requested that my partner sign an affidavit saying the house would be his permanent residence, even though we don't live in the same state due to our careers. Again, something they told me after I went through the whole process. I was clear from the beginning where the funds were coming from. Even the title company and lender were shocked by how difficult the lender was being. 

Further, SOFI waited until the last minute before requesting proof of funds. Had they set a deadline, I would have had it done. Instead, their procrastination pushed the deal right to the brink. I then had to sign an extension with the buyer, which cost me more money. XXXX being ill-prepared, almost lost me my {$20000.00} in earnest money. Ultimately, I had to walk away from the deal with SOFI and paid cash instead, which, had I done from the very beginning, would have saved me a lot of time, money, and heartache. I am extremely fortunate that between my partner and I, we were able to come up with the money. 

Overall this process was so frustrating that I never want to apply for a mortgage again. As a first-time home buyer, this should have been a life milestone, but instead, it was a nightmare. SOFI should really be investigated for its lending practices.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following fraudulent account please remove it in 4 days XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX {$7200.00} I am writing to have the following intormation removed XXXX my credit file, the items that I need deleted are going to be attached in a word document. l am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  I was informed by my attorneys office that a case involving the wrongful death of my mother had settled and I would be receiving my settlement payments shortly within a few days on XX/XX/ I received my first two payments to my personal bank account however the remaining funds were transferred to a different bank account on XXXX XXXX XXXX XXXX XXXX in the amount of {$74000.00} which this bank account does not belong to me after my email was hacked into and that person then sent their bank information which was a Bank of America account and unbeknownst to my attorney that this was not me they transferred the remaining of my settlement payment to a Bank of America account belonging to a XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Bank of America allowed this transfer to go into this persons account without even verifying the name of who it belonged to as the transfer was in my name which is not the name on this account belonging to XXXX XXXX. The bank should have rejected the deposit instead they credited my money to this persons account without my permission or knowledge up until recently I have all the necessary documentation proving this was my transfer and that it went to the wrong account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please see the documents attached to this complaint. 

I hope you can help me solve this problem..
Product: Bank account or service

On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account.is hurting my ability to obtain credit. It is my understanding that you wil investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Missed payments reported because of the ic storm in texas shut down the payment XXXX XXXX is showing missed on all 3 credit reporting agencies..multiple call and letters and disputes still not corrected..
Product: Credit reporting or other personal consumer reports

the date of the delinquency that you have does not match the date that i have under 15usc1681 be you must provide maximum possibble accuracy and im taking into consideration that the cfpb is suing as well, im also requesting full disclosure of the XXXX  of my profile