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

I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed by the guarantor and paid off in full but still reporting negatively.
Product: Student loan

To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We have been trying to work with BSI Financial for several years to resolve our Mortgage issue, communication with this company has been extremely difficult. We have paid several different agencies to help us including XXXX XXXX and XXXX XXXX. BSI is very difficult to work with. We have made over XXXX i. Payment to BSI over the past year and they are showing we have made XXXX payments. We have tried to work on loan modifications etc. 
Now we have a foreclosure sale pending for the XXXX of XXXX, we have lived in our home for 31 years and do not want to loose it.
Product: Checking or savings account

I am writing this complaint against Navy Federal due to overdrafts and fees on my account. I've had multiple overdrafts on my account, which at the time of me making any payments I had the funds. Yet Navy federal would not take the payment out of my account until later, after making small purchase causing overdrafts on my accounts. Which also takes money out of my savings. I've called Navy Federal before about my account having a certain amount of money ( ex : {$1.00} ) and the next morning my checking balance would be at XXXX yet there were no charges on my card/account.
Product: Checking or savings account

Someone is using my Identity and foreign countries and there seems to be an account opened in my name now they are also doing medial fraud as well
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

On XX/XX/21 my checking account was overdrawn by {$630.00}. 

On XX/XX/21 I received {$1400.00} stimulus direct deposit. My account then was a positive balance of {$760.00}. 

On XX/XX/21 I received a deposit from Suntrust Bank ( bank where account is held ) for {$630.00}. Called TEMP RELIEF DEPOSIT. 

I was unsure what this was exactly - I figured it had to do with stimulus bill. I did not contact the bank with questions. 

On XX/XX/21 {$630.00} was taken from my checking account by Suntrust - removing the deposit they put in on XX/XX/21. I call the bank customer service number a d was told a letter was sent and it was a TEMP LOAN so that I would have access to the entire {$1400.00} of stimulus payment and was going to be removed in 30 days. 

I never saw the letter - I have moved since then.. I called yesterday to my former landlord and asked if I had any mail. He said yes - he sent me a photo of the letter. It is dated XXXX the day of the deposit and the envelope has not postmark. Not sure when it arrived, but was after the deposit was already done. 

I was never given this as an option.. just was told we as a bank did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax roughly around the beginning ofXX/XX/XXXX through their online dispute resolution center regarding a tradeline they indicate as still open even though the tradeline has been closed sinceXX/XX/XXXX. I performed a dispute of the tradeline XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, LA, XXXX, XXXX ( XXXX ) XXXX ). The dispute response was : " ACCOUNT HAS NOT BEEN CLOSED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *Additional Information *Credit Limit *Scheduled Payment. I contacted XXXX, and they confirm that the tradline has been closed. The updated information for the tradline Equifax provided also shows both the date of last payment and the data of closure as XX/XX/XXXX ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 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 an account without my written instructions.
Product: Debt collection

I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.
Product: Vehicle loan or lease

I bought a car back in XXXX from XXXX XXXX an AutoNation dealer. I recieved an XXXX warranty and an XXXX XXXX warranty. I drove the car back from XXXX  to XXXX, and then down to XXXX. It broke down 24 days after purchasing it and roughly XXXX miles after owning it. XXXX  of XXXX took a week to get me my easy care information delaying repairs and now that I have the information XXXX is launching an investigation into why it broke down so quickly but they need the bill of sale. But they wont answer the phone. Additionally there are terms of the bill of sale that they havent completed almost a month after the fact. And I still dont have my tags. On top of all of this, when I took the car to my closest AutoNation dealer, as per the instructions, they denied me and told me to take it to XXXX after verbally telling me to bring it in.
Product: Credit card

On XX/XX/year> my AppleCard " virtual '' card number was hacked in addition to my e-mail account hacked. 
The hacker proceeded to successfully open an on-line account at XXXX without my knowledge or consent. The XXXX account was fraudulently opened at XXXX PM on XXXX. The hacker then ordered a XXXX XXXX for {$420.00} at XXXX XXXX. 
I received NO text alerts for this fraudulent transaction from AppleCard!! The transaction was APPROVED by AppleCard. At XXXX XXXX  the order was " XXXX for Pickup ''. 
At XXXX XXXX  the order was picked up at XXXX on XXXX XXXX. The XXXX was given to the hacker without identification. 
On XX/XX/year> I noticed the fraudulent transation and a declined SECOND transaction at XXXX. 
I contacted AppleCard to report stolen credit card and fradulent transaction of {$420.00}. In addition I contacted XXXX to report fraudulently created on-line XXXX account. 
AppleCard has not reversed this fradulent transaction. In addition their system is not designed to send text alerts for ALL transactions equal to or greater than {$1.00} All my other credit cards have the ability to set text alerts for ALL transactions of {$1.00} or more. This prevents fraud and " fishing ''. 
I visited XXXX to determine how someone with stolen identity can pick up items. XXXX advised me to file a police report to examine who stole the merchandise. 

I have yet to receive credit from AppleCard for this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 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 XXXXXX/XX/XXXX I do not know these companies. I have never done any business with these companies. These companies do not have a contract with my signature. 
Please remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting income on my consumer report. I have not given written consent nor do I agree with reporting a charged off account that should be excluded from my consumer report pursuant 15 usc 1681a ( 2 ) ( A ) ( I ) of the Fair Credit Reporting Act. I am requesting to see a 1099C due to reporting a billing error of a charged off account. 
Delete immediately or you will be civilly liable pursuant liable for damages caused by your credit reporting agency.
Product: Credit card or prepaid card

On XX/XX/2020 : Reserved hotel, XXXX XXXX XXXX, in XXXX XXXX, LA for XX/XX/20 - XX/XX/20 with Chase Sapphire points totaling XXXX which is equivalent to {$750.00}. 

On XX/XX/2020 due to COVID19 shelter-in-place restrictions I filled out a Cancellation Form on Chase App, which said it was specifically for COVID19 reasons. Received confirmation email that Chase would cancel the reservation and was given Case ID #. 

On XX/XX/2020 I received no word from Chase and saw on the app that my trip was active. I called Travel Services and was told they would need approval from the hotel to issue the refund, but the hotel was not answering. I was instructed to call back the next day after a 3 hour hold. 

On XX/XX/2020 I called Chase Travel ( was on hold for 3 hours ) again and was informed the hotel marked me as a No Show because I did not cancel the reservation. Therefore, following the hotel 's policy, they can not issue any refund. I informed the travel agent that I filled out a cancellation form the day before the reservation and gave them the Case ID #. They replied, the department that handles those forms are offline and they would ultimately decide if I get a refund, but as of now I did not qualify. Afterwards, I went on Chase 's website and twitter, and filed a complaint. 

On XX/XX/2020 I received an email that Chase follows the policy of the hotel and advocated for a refund, but I was denied. I went back to the original email of the reservation and read the policy of cancellations from the hotel, which stated, " Cancellations or changes made after XXXX XXXX  ( Central Standard Time ( US & XXXX  ) ) onXX/XX/2020 or no shows are subject to a property fee equal to the first nights rate plus taxes and fees. '' If Chase followed the policy and advocated for me as they stated, then I'd get 75 % of my points back, however I am being refunded nothing even after their app made it seem like they were being flexible with travel changes due to COVID19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX  also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Be advised that Nationstar 's response, is factually incorrect, to my CFPB complaint # XXXX. " Please be advised the customer is represented by counsel. The response will be sent directly to their office. '' Unfortunately, all mail sent to my former counsel is returned back to Nationstar which means I may never have an opportunity to review their reply to my complaint. 

I want to point out that the counsel they are referring to has not represented me since at least XX/XX/2017 as identified within the complaint as Exhibit C in which my then attorney notified both Nationstar and the trustee XXXX XXXX  that he no longer represents me and that all future mailings need to be addressed to me directly. Thereby Nationstar have failed to update there records. 

Nationstar have been Noticed on several occasions to the fact that I am to be included in ALL correspondence, Nationstar fail to comply in this matter and further Nationstar have been additionally noticed that my attorney no longer represents me, on more than one occasion. If Nationstar had been diligent in actually reading the complaint in its entirety then Nationstar would have been made abundantly clear to this fact as it is outlined within the complaint. Apparently, Nationstar are of the mindset to simply ignore legitimate complaints, as is seen in this instance. Clearly they have no respect nor honor in their dealings with their " customers '' as this portrays a systemic lack of good faith and is absolutely worrisome to me the homeowner. As Nationstar know full well, by complicating this matter, to the extent that the foreclosure sale is actually completed, having the sale reversed or undone, is extremely complex and burdensome to homeowner, this being a tactic not uncommonly used to crush homeowners by giant billion dollar corporations such as Nationstar. If this is not Nationstar 's modus operandi, then Nationstar would have observed within the complaint that I need to be responded to directly and the former attorney of record be removed from correspondence. Perhaps Nationstar feel it is advantageous to play these games in essence the response shell game to there benefit as the complaint clearly outlines how Nationstar have yet again violated Washington State law and the ruse Nationstar uses to complicate this matter, by failing to respond in any way effectively to the homeowner. 

This is precisely a pattern of willful and deliberate indifference from Nationstar and should be noted for the record. Moreover, how can Nationstar work with me when they won't even send me mail ... any mail whatsoever? 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX was paying a company to call me everyday and I was being spammed. I signed fafsa forms against my parents will and they continued to call. 

Reference Number : XXXX Total Due : {$4300.00} Settlement Offer Amount : {$2600.00} Dear Friend, XXXX XXXX, Settlement Offer XXXX XXXX University will forgive 40 % of your balance! 

Welcome to our emailing service! We received your email address from XXXX  XXXX University. The account listed above has been in a delinquent status for an extended period of time and remains unresolved. 

We have an offer to resolve your unpaid balance with XXXX XXXX University. We are willing to settle your account for 60 % of the Total Due stated above which equals {$2600.00}. 

It is understandable that you may not be able to take advantage of this opportunity at this time. We are willing to work with you on a payment plan that meets your current financial situation. You are encouraged to contact our office at the number listed below so we can assist in putting this matter behind you. 

If you would like to make a payment on your account we have many convenient ways to pay : Pay Online : Click on the button below to access our payment portal and use your reference number to log in.
Product: Mortgage

Yes I Have A Forbearing plan that ended XX/XX/2021 and I've been trying to get in touch with someone since last week to do my modification! But they are not picking up. I don't want too lose my home or mess my credit up for no payments. Please can someone call me back! XXXX Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Product: Debt collection

Tenant fraudulently had solar panels install by securing financing from XXXX XXXX XXXX, who in turn sold debt to Crown Management. Tenant never made payments and when collection was initiated, XXXX, XXXX and XXXX ( debt collectors ), initiated collection process to collect from me. Note ; I was not aware of any of this taking place until I received the collection notice from the collector in the amount of {$37000.00}. As I had already sent an affidavit of Fraud/Forgery to XXXX XXXX XXXX and was under the impression this matter had been resolved. 

In the original loan documents you, can see where my signature was electronically signed and the tenant used her personal email to receive all communications related to this transaction/loan. 

At no point and time was this approved by me as I was not aware of this transaction and I would not have approved such an expense. 

I filed a police report against the tenant for identify theft and will pursue this to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO THIS MATTER.
Product: Credit reporting or other personal consumer reports

I am trying to get a HELOC through my credit union. They are unable to get a credit report from Experian. I went to Experian 's site and could not find a freeze or any issues that would bar them from this access. Experian told me my information was incorrect, but they could correct it ( a typo on my name ), send my information to my credit union, and that they would also provide contact information to my credit union. 

Instead, that information was never sent to my credit union, my account had a dispute placed on it to fix the typo, and when my credit union tried to pull my credit report again now they were unable due to that dispute. 

According to Experian customer service, who never told me about that dispute in the first place, the dispute doesn't exist and that they couldn't help me resolve this with my credit union. 

Through this whole process I have talked to several customer support agents, have been transferred to several departments, and their phone system is deliberately obtuse and misdirecting, it will hang up XX/XX/year> before allowing me to speak with a XXXX. 

I can not repair my roof because Experian is stopping all progress.
Product: Consumer Loan

The lender processed unauthorized withdraws when loan was satisfied.They said they were crediting back. Then said they are sending a check. I believe they also pulled another credit inquiry when they said I was " late ''