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

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told transunion I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and XXXX gave me a total run around.
Product: Debt collection

My insurance was renewed and was increased so I found a cheaper car insurance company I was paying monthly the failed to receive the information that I canceled and went with a new company
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 Upstart XXXX ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan thur the website, once i submitted my application I got asked to provide my immigration documents. I provided my XXXX card to them which is signed by XXXX and provided them link for a website where they find explanation about it. I also provided letter from the judge from court where the judge said the application is approved and based on this decision I have got my XXXX card, on the back of this card say that this card is like a replacements for a regular EAD and this card does NOT have any expiration date, with this card i can apply for a green card and i do not need any additional proofs. Based on this ive got few calls from them and after the last call they sent me an email that the denied my application, and they dont have other reason to deny it except the immigration status. Which is FULLY legal. Based on that Ive got hard pool on my account because they said that i pre-approved and and i was pre approved for an amount larger than I asked after. Why they sent those pre approval, why they denied my application based on immigration status. And what does it mean they unable to verify?
Product: Credit reporting, credit repair services, or other personal consumer reports

With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following XXXX debts that have not been validated and updated with the company name or contract informations. I do not know 1 ) if this is my debt 2 ) if it my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account XXXX. XXXX XXXX {$110.00} Account XXXX. XXXX XXXX {$2000.00} Account XXXX. XXXX XXXX {$560.00}
Product: Credit card

I applied for the " VISA Travel Advantage '' credit card issued by Comenity Capital Bank on XX/XX/23 because they had great benefits that I would be using, especially the " 3 % '' cash back award for " Travel ''. My family was going to incur a substantial travel trip of over {$11000.00} on XX/XX/23, so the award would be approximately {$340.00} based on the full charge. I made other charges and got the appropriate cash back credits for them, but never got the one for the above trip. 
I have called many times and every time they either said the system was down, or that it takes 6-8 days from the charge, or to wait one more billing cycle. I then started documenting this in numerous emails to them and again asking about my cash back award for this one charge. I received a bunch of computer bot generated responses again with the 6-8 days ( it is now 9 weeks ) or the system is down, etc.

To this date I have not received the {$340.00} cash back award and after seeing there were over 8000 negative reviews in the XXXX website I am very concerned and am filing this complaint in that regard. That is a lot of money to my family and I believe clear fraudulent activity is going on and that they plan on never awarding this money per their credit card agreement with the consumer ( me ). Please assist me with this issue. 
Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been XXXX years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month
Product: Credit card or prepaid card

On XX/XX/2019 I contacted Chase about an email message I received from them ( see `Chase denied it sent this notification from Chase XXXX` attachment ). To my surprise Chase in its response denied that the email message was sent from Chase and claimed that it was a " phishing '' email message ( see 'Secure Messages - chase claiming that the email was not sent by chase XXXX ' attachment ). 

It is not clear to me if Chase does not want to discuss the contents of the messages it had been sending to me by making such denials or it truly believes that my email address that I have provided to Chase and which the message was sent and the balance on my credit card account that was included in the message were accessible by some other party that was sending " phishing '' messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry with RISE was reported that is wrong and want removed. Inquiry : XX/XX/2018. I had a loan with them last year that was paid off in 2018. I would NEVER get another loan from them again as they charged me 134 %. I called about this and was left on hold for 40 minutes. They did nothing to address my complaint. Also I've had seven " pre approved emails from them this year XXXX alone and want them to stop. Although I unsubscribed from the email list and called to stop receiving " prescreened '' offers of credit from them XXXX ( XXXX ) they still keep coming. This company is unethical with the percentages they charge and I did NOT look for another loan XX/XX/2018. I was busy casting a TV show and fully employed. 
RISE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit card

Total Rewards Visa Card Keep Applying My Payments Late and It Takes 3 to 4 Weeks To Post My Payment So They Can To Get Late Charges
Product: Credit card

So I recently had another complaint with CFPB and it looked like it was resolved. Thought everything was fine. Now the Citi CC company is making responsible once again for fraudulent charges. I got my bill in the mail and they are saying that i spent {$840.00} which I thought was resolved. They sent me a bill saying that I used my card back on XXXX which I know is a lie. I just recently got this card when it transferred over from XXXX Costco CC. So my complaint is why am I being held responsible for this???? I thought Citi made it clear to me that these were fraudulent charges .... I wish Costco would of not swicthed me over to this Citi CC. They are the worse CC company that I have ever dealt with. If you own one of these cards, be careful and try not to use it. They will make responsible for charges that you didnt even make.
Product: Credit card or prepaid card

This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first XXXX months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with Amex and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account XXXX ( {$660.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opening date : XX/XX/2019 This is not mine.
Product: Student loan

I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XXXX and XXXX. As a result, I changed my XXXX XXXX password as this was all I could do.
Product: Debt collection

title loan through titlemax XXXX tx. i have XXXX loans with them and have paid back more than i borrowed and still owe the amout i borrowed. i have been home with XXXX XXXX XXXX on medication that will not allow me to drive. they keep calling and i keep explaining i have very XXXX XXXX XXXX and cant drive. they told me after they added another XXXX XXXX dollars as a fee that i could have sent someone to pay it. they keep calling and harrasing me and im very sick. they dont care.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against EXPERIAN for its failure to properly investigate consumer disputes, citing " SHAM INVESTIGATIONS '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fails to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers abiut investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.
Product: Mortgage

RE : Caliber Home Loans - My mortgage was in arrears. For that and other financial issues I filed XXXX XXXX Bankruptcy. I successfully completed the 5 year payback and an Order of Discharge was issued by the court in XX/XX/XXXX. I recently tried to refinance my home through XXXX Mortgage with the VA funding the loan. Everything went fine until the VA asked for an explanation of the Deferred Principal amount. The XXXX broker advised that there had to be a loan modification agreement or Forbearance. Both he and I searched the County Court Official Records, bankruptcy Court records and could find no such agreement. I called my bankruptcy attorney who stated that there was never a loan modification done during the pendency of the bankruptcy. He also advised that if there had been Federal law states that both parties would have to agree and the bankruptcy Court would have to approve any such modification. Again there is no such Order in the Court file. After the Discharge was issued I got rid of all the old mortgage statements however when this issue came up I searched my files and did find a mortgage statement dated XX/XX/XXXX and at the time there was no deferred principal listed. The amount was just listed as Outstanding Principal. That was just 90 days before I filed bankruptcy and in fact had already retained legal counsel by then. XXXX XXXX took over the servicing of the loan in XX/XX/XXXX and at that time a deferral principal amount was showing on Caliber 's mortgage statements. A representative from XXXX XXXX  stated they had a copy of a Caliber Mortgage statement dated XX/XX/XXXX and it was showing then so sometime between XX/XX/XXXX and XX/XX/XXXX it somehow was showing deferred principal. Both the XXXX broker and myself have been on the phone with Caliber Mortgage on two separate occasions. Each time the first person we spoke with stated they could find no such modification agreement. We were put on hold each time to be transferred to someone else and each time the phone went dead. I have since requested in writing via email that Caliber furnish me with any documents relating to the loan modification and they have not responded at all. XXXX Mortgage states this is the only issue holding up being able to close on this loan. I don't understand why they just won't produce this documentation. I can't refinance I would imagine I am going to have a problem selling if this same issue comes up. Please help me get the documentation for this loan modification as the VA and XXXX Mortgage states that it has to exist. Did Caliber do something unethical or even illegal?
Product: Mortgage

I previously made a formal complaint about how this company determines the monthly mortgage payment amount from year to year. They sent me an incomprehensible 5 to 8 page written response that not even an attorney well versed in mortgage law could comprehend. Last year the monthly mortgage payment was {$1000.00}. This year payment is {$1200.00}. This is not the first time this has happened over the course of the loan, and I know of no reason ( s ) why the increase is necessary. The insurance and property taxes are the approximately the same from year to year. 

Also, I have been receiving correspondences about Mortage products I had no idea I had been paying for or even that I had elected to have these products. When I contacted the company about these products, and what they were for, I was told I would be reimbursed, but they could not tell me what the products were for and why I had no idea I had been paying for these products?????? I then would receive a check for XXXX or so a month or so later. 

I do not trust this lender. I am begging you to have my file with this lender pulled and reviewed. I feel as though I have been taken for a fool by this outfit, and would like to know if I have any recourse against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.
Product: Student loan

since my son started the XXXX XXXX XXXX, we been paying private loans for him, we still are paying and they are current thru XXXX. We also had loans thru Sallie MAe, this loans were been paid automatically, apparently Sallie mae and XXXX were no longer together ot they merge together and they stop taking the auto payments for Sallie MAe. 
Only XXXX is been paid, we never got a letter/statement and the reason we didn't notice they stop taking the money is because the payments for XXXX  went up. Now we come to find out since 2016 that we are in a collection agency and that agency is not willing to let us make payments, they want the full amount which we don't have. we have always paid his loans on time. please help! sallie mae is the worst company to deal with
Product: Debt collection

I contacted this company via us mail in an attempt to verify this debt. I received a letter in the mail that I owed XXXX, then the amount reported was XXXX on my credit file with XXXX. I disputed this amount with XXXX and the company in returned reported that I owed XXXX. I never received a right to dispute this debt from the company as well as never received any debt verification. The company sent a letter stating that I owe XXXX in which I paid them directly ever bill I owe. I contacted XXXX XXXX XXXX and they said that I have a XXXX balance with them and they have no idea of what this company is collecting.
Product: Vehicle loan or lease

Bank is telling back in XX/XX/XXXX that they did not receive my loan payment. Which they did receive. All my loan statements have shown that i am paid to date. XXXX XXXX XXXX  takes my payment out every other week and sends them a check. I have check numbers to prove this. They just this week sent me a late notice paper. Before this one i received this week i have not received one in the past. My account is paid up to date and they are telling me its not paid up to date. They have also reported me to the credit so my score dropped tremendously. I have called them they are making me wait till XX/XX/XXXX for answer on how they are going to fix this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I am deeply concerned and disappointed to learn of potential inaccuracies in the information provided by your agency. I urgently request detailed information regarding the steps taken to verify the accuracy of these items, as mandated by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. It is my right as a consumer to be informed of the procedure used to ensure the precision and completeness of the data in question. I expect to receive a thorough explanation, including the business name and address of any information furnisher consulted and a contact number for said furnisher, if available. This information must be provided within 15 days of my request, as stipulated by law. Thank you for your prompt attention to this matter. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are accounts on my credit report that do not belong to me : XXXX XXXX Opened XX/XX/XXXX Balance {$75000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} I am demanding proof of signature. By law I have a right to a copy of the documents you have on file verifying the accuracy of these accounts. If you can not produce them bearing my signature you must remove them immediately from my credit report. I will file a lawsuit for defamation of character.
Product: Mortgage

This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I checked my XXXX XXXX credit monitoring and found XXXX XXXX is frivolously reporting innacurate info on my credit report with TransUnion saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXy XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!
Product: Debt collection

This account was opened fraudulently online this debt is not mine. I was just alerted by the credit bureau about the debt
Product: Credit reporting or other personal consumer reports

I've identified inaccuracies on my credit report concerning 15 USC 16c-2. The inquiries noted were unauthorized by me, and this misinformation is damaging my credit. Kindly remove all unauthorized hard inquiries. Thank you!