23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has recently come to my attention that late payments and a negative status are reported on these accounts. I would like to provide context to the circumstances surrounding these late payments. Unfortunately, my family experienced the death of a close relative, and this challenging period resulted in some financial difficulties. I want to bring to your attention that, after discussing my situation with the respective creditors, XXXX XXXX XXXX XXXX has agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. This goodwill gesture is in acknowledgment of the exceptional circumstances and challenges my family faced due to the unfortunate demise of my relative. Given this agreement with the creditors, I kindly request that you promptly update my credit report to reflect the removal of late payments and amend the status to accurately represent the goodwill agreement reached with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim.
Product: Payday loan, title loan, or personal loan

I am a natural person who extended my credit in good faith to obtain an installment loan with Affirm. I was discriminated against and received no benefit from this consumer credit transaction. 

Affirm has listed multiple things on my consumer report that are currently deleted, inaccurate and unverified.Further, Affirm is siting items from XX/XX/2022, outdated information. Additionally, being denied based off of is a violation as a credit score is not a requirement to be extended credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXX XXXX  Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. 

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
Product: Credit card or prepaid card

Hello - I applied for a XXXX XXXX Chase CC last week - yesterday XX/XX/XXXX I received a letter in the mail with a Chase letterhead - it said to call XXXX to " verify the application. '' I called the phone # and they wanted my personal information. I told the rep I was not comfortable giving my personal information over the phone. She then rudely told me " Who else would send you this letter? '' I again stated that I could not be sure this was actually Chase and I did not feel comfortable giving out personal information to her. She said " Well what do you want to do then? '' I told her I was not giving her my information and she did not need to be unprofessional to me and therefore I would cancel my account. She then hung up on me. I have a Chase XXXX   VISA and got that out and called that # on the back and spoke to a rep and told her what  transpired. She said she could not verify that the # I called was actually a Chase phone #. She then transferred me to someone else and I was told I was approved for the XXXX Chase CC. I told them my experience and asked about the miles promotion I received - they couldn't verify the information. I called back later to ask about the promotion and the customer service and that person said they couldn't help me with my complaint and when I said I was cancelling they told me that was OK. I am disappointed in the service I have received and I have paid my bill in full each month for years with my XXXX Chase VISA so because they don't make enough money off of me they can treat me with disrespect and feel comfortable with a rep hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response for complaint number XXXX. The facts are XXXX received THREE checks. XXXX received two checks on XX/XX/22 for {$3700.00} and {$1400.00}. On XX/XX/22 XXXX received the THIRD check for {$1700.00}. All three checks was applied as a monthly payment. Under complaint XXXX XXXX  alleged that I requested all three checks to go only towards my principal balance, which is a LIE! I attached the emails between me and XXXX XXXX who works at the Ohio General Attorney office which show me ONLY requesting the check for {$1700.00} to go towards my principle balance. If you look at XXXX XXXX response who ( works at Hyundai Capital America ), his response is highlighted showing XXXX XXXX acknowledged I only wanted to apply the check for {$1700.00} to my principal balance. Where do you see me asking for the first two checks {$3700.00} and {$1400.00} to be applied to my principal balance? NO WHERE!!! XXXX XXXX failed to apply the third check {$1700.00} to my principal balance which prompted me to call XXXX on XX/XX/22 to request this be done because XXXX XXXX ensured that it would be done and FAILED to do so. On XX/XX/22, is when someone from XXXX went in and moved the money from payments {$3700.00} and {$1400.00} to my principle balance WITHOUT MY CONSENT, which made my account late. Someone from the customer care team called on XX/XX/22 and admitted/ACKNOWLEDGED that XXXX made an error on my account and did not try to correct the issue. Instead, XXXX tried to make it seem like my account was late when it wasn't until XXXX went in and changed my payments. I sent in all the proof, showing I DID NOT request all THREE ancillary product refunds that XXXX received to only be applied to my principle balance. The calls are recorded, this is also my proof! I was never late, XXXX received two payments on XX/XX/22 which paid my account up to XXXX, the reason why I received NO PAYMENT due statements for XXXX and XXXX. I even attached my payment history showing {$300.00} going to interest for checks {$3700.00} and {$1400.00} before XXXX went into my account to changed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, and still nothing from them. Negative accounts are still reporting on my account, which means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I purchased two dining chairs from Ashley Furniture XXXX on XX/XX/, for a total cost of {$190.00} with the promise that Ashley would deliver the chairs. The chairs were not timely delivered so, before they were delivered, we cancelled the transaction and requested a refund. Ashley continually refused to issue the refund, but they did cancel the delivery of the chairs. Finally, we disputed the {$190.00} charge on our XXXX credit card and won that dispute. We received notice that the dispute was resolved in our favor on XX/XX/. On XX/XX/, I received a letter from Ashley informing me that my account was " overdue '' and that I must " [ a ] rrange payment of this account today to avoid further action. '' I wrote a letter to Ashley reminding them that we never received the chairs and had prevailed in our dispute. They apparently sent an email to my wife on XX/XX/, in which they claimed, for the first time, that their " records indicate that this amount [ {$190.00} ] reimbursed twice to you '' and that " {$190.00} is owed to us. '' I emailed the three Ashley associates listed on the email to my wife asking for verification that the amount was reimbursed to me twice and have not received a response or verification of that fact. Ashley is still threatening to report a false overdue debt to the credit bureaus without confirming the double reimbursement.
Product: Mortgage

Seterus Mortgage Servicing. Seterus acquired my mortgage in XXXX XXXX XXXX or XXXX. My mortgage was under the Homes Affordable Modification Plan ( HAMP ) and with the newly modified agreement there was n't any 15 grace period identified as the date before any late fee charges. My modification was completed in XXXX I believe and with XXXX. I continued to make the agreed payment after the XXXX of every month and acquired no late charges until XXXX XXXX with Seterus. Seterus had already been servicing my mortgage for almost 2 years now and never sent any updated modification with an effective date that identified any fees to be charged if my modified mortgage was not paid by the XXXX of every month. I contacted Seterus several times and including sending my modification agreement and note with the only response to be " so you want us to charge you for the other years you were not charged, is this what you are asking? '' I have all my payment history recently sent by them, which confirm when they acquired the mortgage and no late charges starting until XXXX of XXXX. I have asked for this to be removed from my Unpaid Balance as well as any interest I was charged by these amounts added to my mortgage. XXXX. I have also asked them to provide proof that I received the benefits of the HAMP {$5000.00} reduction in principal due to making payments on time which since inception of modification I received notices twice ( 2 ) that {$5000.00} funds would be applied to my balance reduction due to HAMP payments being made on time. This would be a total of {$10000.00} that they have yet to provide proof after asking. XXXX. Upon my request for the proof of principal reduction they did send me my payment history which identifies all payments while being serviced by Seterus on time before any month ended. Seterus reported myself and wife a 30 day late in XXXX of XXXX and also in XXXX of XXXX which I have provided the bank statements ( and have them on hand ) to prove the payments were taken from account. Also with the material they sent me that I received on XXXX/XXXX/XXXX the payment history from Seterus also has the proof in their system the payments were received on the XXXX of those months identified. Their negligence, handling of my payment reporting has effected not only my credit but my wife as well and our ability to refinance under HARP with the rate and cost that reflect what our credit should be. They fail to help, as well as defer ownership and accountability to any errors. I have spoken to managers whom also respond the same way as any other associates. I have in a call informed them that I would take matters to the CFPB and the response is, that will not help you sorry. I have any all material to provide to confirm information abov e, except the XXXX notices that due to payment history with HAMP I would be receiving the Principal Reduction benefit. However with the date of my modification and all payments reflected on time that would illustrate that I have received the notices however Seterus has not provided proof they reduced my principal.
Product: Vehicle loan or lease

Date of Transaction : XX/XX/2023 and XX/XX/2023 Account number : XXXX I called Ally on the XXXX of XXXX to request an extension due to unforeseen dental expenses. The extension was contingent on me making a payment of {$370.00} within ten days of the agreement. I specifically asked the if payment needed to be received by the XXXX which is my normal due date to avoid a negative credit reporting. I was told as long as payment of {$370.00} by the XXXX you will be fine and no negative reporting will take place. I asked three more times got the same response. I was able to get my hands on the money on the XXXX, & made a payment of {$380.00} total. I called same day to confirm payment was received, to ensure the extension was in place & there would be no negative reporting on my credit. I was told it was received, extension was in place and there would be no negative reporting. However, on the XXXX they marked me 30 days past due. Today I have chatted with one rep & spoken to two. One identified herself as a SR. agent. Theyre claim is that the payment had to be received by the XXXX my normal due date. Not the XXXX as their rep previously told me. Funny because on the XXXX of XXXX they sent me a notice saying I was 21 days past due, so technically the rep I spoke with on the XXXX was correctthe XXXX would have been the XXXX day. If the rep I spoke with on the XXXX was wrong & gave me ill informationthen that is a problem, they need to work out with their rep, I should not be punished. This 30-day late mark dropped my credit score XXXX pts. I have asked for the calls to be reviewed from the XXXX & the XXXX. They tell me I need to wait 3-5 days then look for an email on the status? ABSOLUTELY NOT! I honestly believe even after they listen to the calls, they will lie about it. This needs to be resolved fast. If it was the XXXX that is the information I should have been given but it was not. 

Today is XX/XX/23 Ive received no update or resolution. This is unacceptable and highly unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXXXXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00} XXXX XXXXXXXX {$1700.00} out of {$2000.00} SXXXX XXXX XXXX {$2600.00} out of {$3000.00} XXXX XXXX XXXXXXXX {$5800.00} out of {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX  {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX {$17.00} out of {$1100.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from GM FINANCIAL, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that GM FINANCIAL is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
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 CARD Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : 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 XXXX 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 or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was locked up in prison when these accounts opened and put into collections
Product: Vehicle loan or lease

According to California repossession Law the lender has the right to sell your car at a public auction. They must give you a notice of intent that they are selling the car at least 15 days before the date of the sale. This notice must also be served within 60 days of repossession. Unfortunately GIC financial repossession car on XXXX XXXX and sale the car in action on XXXX XXXX with out any notice .absolutely is illegal as the California repossession Law they should wait for 60 days and give to customer notice 15 days before sale the car in action. 
This company responding few time just send the car information and how to sale the car absolutely doesnt work because GIC financial company doesnt follow the law
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location.The inclusion of this inaccurate address violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.
Product: Debt collection

Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.