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

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX GM Financial XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I try to apply for a loan with XXXX Bank last month, XXXX XXXX  advised me Experian the credit bureau placed a freeze on my credit report which i never gave Experian any authorization to put any type of freeze on my credit report. this has caused me problems of trying to get a loan. I contacted Experian several times regarding the freeze they just keep giving me a confirmation numbers which dont help me at all i ask them to transfer me to their freeze department no one ever picks up the phone. This is causing me alot of headaches and problems regarding this matter please help me Consumer financial Protection Bureau to resolved this matter its very urgent i would highly appreciated.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In referencing accounts on my credit profiles with XXXX, XXXX XXXX and Equifax that either where not mine or l did not recognize l demanded that they be removed on both XX/XX/XXXX and XX/XX/XXXX based upon current FCRA Laws. To which ALL 3 respondents remain unresponsive. It should be noted that due to a recent credit reporting breach by ALL 3 Credit Bureaus my information was exposed.
Product: Checking or savings account

I'm trying to setup bill pay from my computer. I typically use my XXXX and phone, however for work related I need to use windows. I use XXXX XXXX as the browser ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/year> where we were using the windows computer to setup bill pays, we were able to set up XXXX new payees and then all of a sudden we got that message. We were able to log onto my personal computer ; XXXX and everything was fine here until it wasn't. I called the XXXX number and put in a ticket XXXX, I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically my personal computer ; which is a XXXX and my work computer which is a windows. They are both at the same location using the IP address or internet service provider etc. My username is XXXX
Product: Credit reporting or other personal consumer reports

Every auto loan has been paid in full! 3 total Incorrect address. Ive NEVER lived outside of XXXX  Credit cards listed that Ive never had A bankruptcy that I never filed in XXXX My student loan balance if XXXX XXXXXXXX dollars was paid off on XXXX I have one credit card XXXX
Product: Debt collection

This company, PHOENIX FINANCIAL SERVICES, is charging me for an old debt that they assumed from an XXXX company. 
The XXXX. XXXX XXXX assumed payment of, and processed my claim for the XXXX service. 
Even after filing two disputes through XXXX, PHOENIX FINANCIAL SERVICES, seems to ignore my statement, shows no evidence of investigating my claim, and in response, simply rebills me.
Product: Checking or savings account

1. PNC Bank closed Holders account on XX/XX/2014. 
2. XXXX XXXX left the Holder of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an any way at any point in time. Account Holder died in this state. Medical Records Attached. 
3. Holder of the account required 24-hour, 7-day a week XXXXXXXX XXXX XXXXXXXX. 
4. Holder of account was in XXXX XXXXXXXX ON THE DAY PNC Bank closed the account Holders. Records Attached from XXXX XXXX XXXX. 
5. Holder of the account was unable to manage affairs. Letter Attached. 
6. Holder of the account was elderly - approximately XXXX years old. 
7. Holder could not communicate - PNC allowed UNAUTHORIZED family member to close Holder 's  Account. 
8. Holder of the account was XXXX XXXX XXXX to bank or XXXX   to PNC Bank. ( Obviously ) 9. PNC Bank was negligent in closing the account and failed to recognize Financial Elder Abuse. 
10. PNC Bank needs to be accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Debt collection

on XXXX i was applying for the XXXX in Alaska and there website glitched when i hit submit the page reloaded with someone else info from XXXX Alaska it showed me me their address date of birth ssn and bank info i got XXXX other calls saying my info pop up on there screen shortly after the pfd data breach accounts that i did not open started appearing on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ) and update the account to positive.
Product: Student loan

I currently have 4 separate student loans that I have been paying on for years with nelnet, XXXX, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with nelnet and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, nelnet said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Product: Credit reporting or other personal consumer reports

I constantly dispute this item XXXX XXXX XXXX FROM MY CREDIT REPORT AND THEY ARE JUST VERIFYING AND UPDATE THE ACCOUNT AND I DONT HAVE ANY BUSINESS WITH THE COLLECTION REPORTING. 


I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

This item is going to cause me homelessness in trying to move and I cant due to false reporting XXXX dispute XXXX Experian report XXXX XXXX
Product: Mortgage

We would like to file a complaint against Carrington Mortgage, particularly to bring more accountability and loan-level transparency to their poor performance in the handling of our home loan. We also believe they violated XXXX rules by setting our mortgage payment too high. 

We are in arrears for $ XXXX on our mortgage. We pay 48 % of our monthly income towards our mortgage. This is not sustainable. We declared bankruptcy in XXXX due to a mortgage that had become an impossible burden. We paid $ XXXX cash in XX/XX/XXXX to bring our account to date. Our mortgage servicer has changed numerous times in the 20 years we have owned our home. We refinanced in XXXX with XXXX at a rate that was not sustainable. Our loan is federally backed, therefore our servicer ( Carrington? XXXX? ) violated the CARES act as my husband and I both received unemployment and filed a Hardship Declaration during COVID. We have applied for NY XXXX XXXX. Our monthly mortgage has gone from $ XXXX to $ XXXX. Weve been working with XXXX XXXX HUD and XXXX for months to try to come an agreement on a loan modification. We wish for our servicer to defer the amount of the forbearance into a non-interest bearing balloon loan due at the maturity of the loan. So far, we have not received an answer. If XXXX approves funding for $ XXXX, we still need to work out repayment for the remaining $ XXXX  as well as get our mortgage payment down to a more reasonable 40 % of our monthly income.
Product: Credit reporting

EXPERIAN HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
Product: Credit reporting

I had a mortgage with XXXX XXXX XXXX. The loan servicing was transferred to XXXX in XX/XX/XXXX. I have since refinanced that loan with a new loan from quicken as of XXXX XXXX. XXXX is showing the account as an installment and delinquent and trans union is showing is as a delinquent open mortgage. This account should be closed and reflected as a closed mortgage. This inaccuracy is impacting my current score and causing me to get charged higher costs for things such as my car insurance and higher interest rates. Please make them fix it or remove it.
Product: Credit card

Comenity Bank never informed ( billed ) that I had an outstanding balance until Comenity Bank started emailing me notices that I was Past-due, and was accessed a {$30.00} late fee for a {$32.00} purchase I'd forgotten I'd made at XXXX XXXXs -one of their store-cards.

I complained & was reimbursed the {$30.00}, but sustained the " minimal interest fee '' for two cycles. 

Just to be certain I didn't miss the bill I made another purchase XX/XX/XXXX, waited for the Statement Date ( XX/XX/XXXX ), and 10 days beyond that, and NEVER received any notification in any way, shape or form -email, text-message, or XXXX. And haven't yet. 

XXXX ( XXXX XXXX? XXXX XXXX, Utah? ) is obviously NOT billing their customers for the express purpose of charging LATE fees to those who may forget they made a minor store purchase. 
I have no outstanding complaints that need to be " resolved '', but I do want the authorities to know about Comenity Bank unethical, if not illegal practices.
Product: Debt collection

Awhile back I kept getting my phone plan ran up past my limit by this company trying to collect a 12 year old cc debit. I called them and told them I would not verify my address not to call anymore. I told them that the bill has been wrote off and that by law they can no longer bother me about it. He hung up on me, then they persisted again calling from all kinds of XXXX numbers threatening to sue me and so forth. I had my phone changed and then they began calling my mothers number who is also on the do not call list. My mother is XXXX I did my part by calling them but they hung up on me so I am done with it. 

I had to change my cell number now they are calling the new number. I want this stopped I have registered every phone possible. The number they want me to call is XXXX I would give you all of their numbers but they are all XXXX XXXX XXXX message only numbers. They do this so you have to call them. I did now i am done and want them to stop. I believe it is capital one DO NOT GIVE THESE PEOPLE MY ADDRESS THATS WHAT THEY ARE DIGGING FOR. AFTER TRYING TO SPEAK TO THEM AND BEING HUNG UP ON THEY CAN FORGET ANY MORE CORRESPONDENCE FROM ME.
Product: Bank account or service

I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.
Product: Mortgage

My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XX/XX/XXXX. Our loan officer advised us not to make our XX/XX/XXXXmortgage payment because the refinance would fund in XX/XX/XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was Guaranteed Rate and we got a notification saying that the servicer was being transferred to XXXX XXXX XXXX. This new servicing would take place in XX/XX/XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against Guaranteed Rate, XXXX, and XXXX XXXX XXXX. 

We have received notices from XXXX stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both XXXX  and GR regarding the difference. Escrow provided me with a payoff amount and XXXX said that it was enough to cover the total loan payoff. GR changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like XXXX was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called XXXX again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened a Bank of America Travel rewards card around XX/XX/18, and earned XXXX rewards worth about {$630.00} On XX/XX/XXXX I got a letter that my account was shutdown, by their credit department.

I called to try to use my rewards and I was informed that they were lost.

I am filing a complaint because I want my rewards that are rightfully mine
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX