23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXX last year I got an XXXX and I enroll in the upgrade program which let me change my phone every year ( with citizens one ). a year has pass and I am trying to upgrade my phone but in the process they are asking me for a credit card which I do not have. I already have 2 programs and they have withdrawing money from my checking account with no problem. When I call them they just apologized and told me that some rules had change ( without me being notified ). I believe it is unfair to advertise an upgrade program and when trying to upgrade find out it is not possible. Now I am stuck with this phone and Citizen One did not deliver on their product.
Product: Checking or savings account

I have several disputes still pending, one is still pending from XXXX months ago. I uploaded my evidence and receipts and they are still pending review. These are {$1000.00} in fees and the bank is holding them in pending status.
Product: Prepaid card

Hello, I received a {$30.00} Vanilla Visa gift card in XX/XX/2022. I recently got around to opening and using the card, and when I opened the packaging, the card had four of the digits scratched out. I still have the packaging and called XXXX customer support to try to get the other four digits to be able to activate and use the card online/in-store, but all they did was deactivate my card. They asked me to ask the person who gifted me the card for the receipt, but they no longer had it since it was so many months ago. The customer support agent then asked me to ask if they knew the store that they had purchased the gift card from, in which they said XXXX or XXXX. I called XXXX to see if they would be able to search for a receipt with the barcode on the gift card packaging, and they said they can only do that if I know the exact day it was purchased, an estimated time it was purchased, and it must have been purchased from that exact XXXX location. It seems almost impossible to receive my {$30.00} and be able to spend it simply because the XXXX card was damaged inside of the non-damaged packaging. There is no way to get the receipt, and I still have the packaging of the card to show all of the other information. The customer support agent also verified that the card did have the {$30.00} on it since they then deactivated it, so now that money is sitting and I am simply unable to use it.
Product: Checking or savings account

Hello and thank you so much for helping me out! I wanted to please reach out because there were a few transactions that US BANK had processed when there was no funds in the account. 

Being at {$0.00}, US Bank approved a handful of transactions that resulted me and getting a total of four ( 4 ) overdraft fees each {$36.00}. 

This caused my checking account to go extremely negative. 

I have attempted to contact and get help multiple times however, the business department is always closed and never able to help support me
Product: Mortgage

I would like assistance in getting NC State Employee Credit Union to review my loan for a one month deferment of the mortgage payment. I called the Credit Union on XXXX/XXXX/2015 and spoke to a person named XXXX. I explained that my mother died unexpectedly and I had to come out of pocket {$4200.00} to pay for a burial plot and autopsy. Because of this I am behind in making my mortgage payment by about 3 weeks. He said he would research if a one month extension could be done and call me back on Monday XX/XX/XXXX. I did not hear from anyone Monday XXXX/XXXX/15 or Tuesday XXXX/XXXX/2015. I called back on Wednesday XXXX/XXXX/15 and spoke to XXXX. She said that she would pass my account to XXXX and ensured me that I would get a call back. I did not hear from anyone the rest of XXXX/XXXX/2015. I called again on Thursday XXXX/XXXX/2015 and spoke to XXXX who said that the policy is that I can not get an extension if it was to pay an expense and if my hardship was under 30 days long. I explained that I was not requesting it to pay an expense, I 've already paid it and that is what has strained my cash flow. I explained that I was on unpaid leave from XX/XX/2015-XX/XX/2015, to which he said was n't a long enough time. I explained that I have XXXX checking account with the credit union, have XXXX auto loan currently, another car loan paid in full, a credit card, my mortgage, and a savings account. If I experienced a cash flow struggle in order to bury my mother, I think that deserves an exception to the guidelines. He agreed that it was unfortunate that the guidelines were not set up to assist my issue, but he had to go by the guidelines. He said that if my mother was on the loan, if I had experienced a medical harship instead of my mom, or if my mother had been sick 30 days instead of 21, they would be able to assist per the guidelines. He offered to approve a loan for {$950.00} to make the XXXX payment I 've behind, which basically increases my expenses even more and is no help. I would like to see if someone could review my situation looking at it from a " human '' standpoint rather than by a paper book guideline. I paid out {$4200.00} but only asked for one month ( {$950.00} ) worth of help. I could n't even get the Credit Union to honor their word to call me and talk about my situation. And when I get someone he says " your mom was sick long enough '' -- I think its beyond unfair, unreasonable, and flat out insensitive.
Product: Money transfer, virtual currency, or money service

Requesting a reimbursement for any transaction reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be updated and repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan for XXXX with Lending Club before they approved the loan, I sent a email to them, since they were closed at the time to cancel my loan application due to loss of household income that happened the same day. Enclosed is the email that was sent and there response to the email. The next day I received a email to contact them. I explained the situation to them. XXXX the rep on the phone said they could cancel the loan. Then she put me on hold, when she returned she said they could not cancel the loan since it funded that day. I explained cancel the wire she said they could not. Then I said pull the wire back from my bank account she said they could not I was stuck with the loan. Then proceeded to tell me that if I have trouble paying the loan apply for a hardship. This is absolutely crazy. Please investigate. All is I want to do is to cancel the loan. As of today no funds have hit my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 12 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 11 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 6 hard inquiries Not Disputable Online. Details
Product: Debt collection

LVNV is a collection company. They are listed on my credit reports. Under collections. I have been disputing this since 2016 of XXXX until present day. On my credit reports under comments of this account listed. Sometimes it says its open or closed. It is listed under the collections part of my reports as open. Even though the notes inside of box says closed. It also states under comments FCRA Agrees with consumer and this debt is not valid and account is closed. So I am fed up. This collection company has not only collected money from me in the past because I believed it was mine until I was able to actually look at it and so also knew nothing about credit repair. I thought if a collection company calls I have no choice but to pay it. They have called me at work in 2016 everyday in XXXX for weeks straight and I would tell em I am at work. again they would call either the next day or later that day. 

This account is hurting my credit report and holding me back from maintaining any kind of good solid report. It is also holding me back from obtaining credit I deserve. I have asked all three credit bureaus with my IDTHEFT.gov paper work over and over to remove it. And here it still is being reported. I am reporting to you all three credit bureaus for their lack of response each time to this matter. As well as LVNV FUNDING. I dont deal with creditors. Especially secondary ones from accounts I never had. I would like to be compensated for emotional duress this plays a huge part of my life. It stops me from retrieving good insurance rates as well as personal loan I will be needing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Texas resident. My identity was stolen in the XXXX breach. As a Texas resident who has had his identity stolen I am entitled to a free credit freeze. 

Transunion will not honor this and only offers me the option to freeze my credit report if I pay {$10.00}. 

Transunion is trying to profit of US citizen 's pain from the XXXX breach. XXXX!
Product: Mortgage

Our mortgage was with Nationstar and was on Autopay. Our interest rate is low and we were constantly hounded by this company on a weekly basis to refinance. They called our cell phones, emails and mail profusely. We asked them to stop. They did not. The mail increased with weekly junk mail. In XXXX they sold our Mortgage to Mr. Cooper. We did not pay attention due to the fact that our payment was on auto pay. The impound account had increased and so they denied our payment. They called but we had the numbers blocked due to the constant commercials. They then put us in default. We caught this when they sent us a default notice. We immediately checked in to this and even paid the late fees. 
They sent us to collection and it lowered our credit scores over 120 points. We have never had a late payment for anything. We have always had sterling credit. Now due to such ridiculous business practices they have lowered our ability to get XXXX XXXX. I have contacted the company and they will not turn around the credit report. They do n't care about their fraudulent tactics of business. They said they tried to contact us when the auto payment was denied. I do n't know because they were so obtrusive with their harassing phone calls to refinance. I could not be more disgusted with a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XXXX XXXX  ( XXXX XXXX ) for {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal info, putting me at severe risk of identity theft. They lost control of my SSN, financial history, and drivers license number. I plan on joining the class action lawsuit when it is filed.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered incorrect accounts on my credit report and I'm unsure of the reason. I reviewed my credit report as I regularly do, but this time, there were unexpected discrepancies. I attempted to refresh my browser to see if it was a technical glitch, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I've submitted so I can be assured and worry-free.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Bank account or service

My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made. 
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter. 
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them. 
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate multiple disputes I submitted regarding inaccurate charge-off reporting. This violates the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) : This account was charged off, yet Experian is allowing it to be re-aged by reporting a new charge-off status each month.

This violates FCRA 605 ( c ), which states that an accounts original delinquency date determines when it should be removed.

I have disputed this multiple times, yet Experian refuses to correct it. 
XXXX. XXXX XXXX XXXX ( Acct # XXXX ) : This account contains incorrect charge-off reporting. 
Experian has failed to conduct a reasonable investigation despite my disputes. 

I have provided supporting documentation, yet Experian continues to verify these accounts without a proper review. I request CFPB intervention to ensure Experian reinvestigates these accounts properly or removes them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 20 student loans with Sallie Mae in forbearance. Sallie Mae and Navient split and 10 of my loans somehow defaulted. Sallie Mae did an investigation and stated they made a mistake but I would need to send certified letter to Navient to buy back loans. Navient refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to Navient and they are unwilling to update the status to NEVER LATE. Sallie Mae " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the Navient and Sallie Mae loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if Sallie Mae hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. Navient 's devious tactics can not continue to ruin people 's lives. After I disputed Navient started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
Product: Credit reporting

Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate information on my credit report which is hurting me on getting credit. Equifax is stating that I was late with XXXX XXXX XXXX  XXXX on XX/XX/XXXX 30 days and XX/XX/XXXX 30 days. I was never late. I also exercised my right for FCRA, I have certified mail proof that they received my dispute on XX/XX/XXXX with a signature of XXXX XXXX.It has been more than 30 days, they must delete these inaccurate late reports from my payment history. 

I reached out to my state attorney who said this is a FCRA violation, I was advised to submit a complaint through CFPB, if it is not resolved they will intervene with legal action
Product: Credit reporting or other personal consumer reports

As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX