23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient 's intrest rates are way to high and they will not work with me on repayment. Upon asking several times for options to repay on a payment plan that i could afford, Navient told me that the only option was to go into forbearance and during the forbearance, my interest rates and amounts owed to Navient, were still accumulating. They have not offered anything to me other than the forbearance that has effected my credit scores and made it to where I feel I will never be able to repay my loans. My payments were not applied correctly to my credit reports, showing they were paid on time, resulting again in the drop of my credit scores. This company has made it so that I will never be able to get out of debt and my credit has paid tremendously for their mistakes.
Product: Credit card

I got a promotional later frome chase bank stating that I am pre qualify for a promotion of XXXX interest for 18 month, on XX/XX/2023 I decided to go ahead and apply for that credit card, I must say that I have enough credit cards and I don't need more, the only reason I opend this credit was just because the 18 month XXXX interest promotion, after I applied online for the card I called to see if I got approved and they said yes and that the card is on its way and I should receive it in the mail, I believe there even was a confirmation of the 18 month XXXX interest In that conversation... 
On XXXX I checked my credit spending history and noticed that they are charging me interest! I called to cheek why are they charging interest, the first customer service responder was a lady and she said that it's a mistake and that the card should have the promotional XXXX interest, she even reversed the interest charges Back to my card and said they are sorry... 
After that she said she will transfer me to an account supervisor to fix the problem so I won't be charged interest on my card in the future, the supervisor checked and said that they are charging me interest because this card has interest on it and when I say that I got the XXXX percent XXXX interest he checked and said that I was not qualified for that promotion! He said that I should have Read all the small details which I did and nothing said clearly that the may decide not to give me the promotion even if they approved me for the credit card! 
This is very deceiving and bad business to lower customers to sign up for a credit card because a specific promotion and give them an approval for the credit without the promotion which is the only reason for opening the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested my online credit reports from XXXX, as part of actively working on my credit profile. 

Equifax is the only one of the 3 major CRAs to consistently deny my request each time, ever though I am confident of my correct answers to all the identity verification questions, all of which I have retained for my records and have gone over. 

The most recent Equifax denial message screenshot from XX/XX/XXXX is attached, the previous ones are identical. 

The offer to request by mail is not acceptable, because my recurring requests are time-sensitive and because Equifax has shown with its XX/XX/XXXX data breach and subsequent resolution failures that it can not be trusted with highly sensitive user data, such as copies of the types of documents requested. 

No issues experienced with XX/XX/XXXX or XX/XX/XXXX at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. WF even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this WF account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to Wells Fargo to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Product: Money transfer, virtual currency, or money service

I deposited a {$1900.00} check from XXXX XXXX into my Ally Bank account. The check cleared from XXXX XXXX immediately, but Ally flagged it as fraud and froze my funds. It has been over 14 days, and Ally has refused to provide a clear timeframe for when I will receive my money. XXXX XXXX has confirmed the check is valid and will not be returned, yet Ally is still holding my funds without justification. I have called Allys fraud department daily, but they refuse to provide a resolution. This money is for my rent, and the delay is causing financial hardship. I am requesting immediate action from the CFPB to resolve this issue and release my funds. 

In the pictures that Ive seen you will be able to see that last times I was able to deposit money into my account using XXXX it was XX/XX/XXXX. On the XXXX I began to call Ally bank to see if they could fix the issue of me not being able to log in to my online banking. Also Ive been unable to pay my XXXX car loan because I dont have the funds because of this hold. They been calling me and I havent been able to do much. The issue happened when I decided to use a check from my XXXX XXXX  account. I recently changed banks from XXXX XXXX to XXXX XXXX and all this happened once I tried using check instead of XXXX payment because XXXX XXXX business accounts do not allow XXXX deposits only check deposits to personal external accounts.
Product: Debt collection

The debt was originally sold to XXXX XXXX by XXXX XXXX. I settled the debt collection for {$1200.00} and now Jefferson Capital systems placed a collection on my credit for the difference between the original amount and the {$1200.00} I settled for. I tried to dispute on XXXX but it did not fix the situation. I still have the receipt from the debt settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.
Product: Checking or savings account

OnXX/XX/XXXX an authorized chase pay ( XXXX  ) removed {$400.00} from my Chase Checking account. I advised Chase immedialty I did not authroize this transaction. Chase advised me I would need to sign an affidavit of dispute. I went to the branch within an hour signed the affidavit and faxed it over as requested by Chase. Chase advised me and the branch VP that a credit would be issued to my account for {$400.00}. The credit appeared in my frozen checking account on XX/XX/XXXX. I proceeded to check my account onXX/XX/XXXX to see the credit removed. After spending multiple hours on the phone with Chase, they advised me it was an emergency credit. I dont understand how you can issue a credit and remove it. This is my money. No one has called me back and everyone gives me different stories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry not authorize or signed THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not mines - caused inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that you all help me make TransUnion stop victimizing me. As a resolution can you assist me so that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies " XXXX XXXX and Experian '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit report.
Product: Debt collection

I paid a debt with XXXX XXXX XXXX XXXX in 2018 in the amount of {$220.00}. XXXX XXXX XXXX XXXX verified and sent verification of payment to all 3 bureau 's. XXXX and XXXX honored my dispute. When I went to XXXX to dispute the report, XXXX denied my request on more then 4 different disputes. In fact they replied that the report was in fact my debt. They did not verify or investigate my payment which is paid in full. I also was denied other credit opportunities because of a wrongful accusation. Please reach out to XXXX XXXX XXXX or contact me for any more details I would really appreciate your help. Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live
Product: Credit reporting, credit repair services, or other personal consumer reports

The identified transactions are not information related to any transaction by me as the consumer :
Product: Mortgage

I know I was behind on my mortgage in XXXX I decleard bankruptcy from XX/XX/XXXX to XXXX of XXXX I have paid over {$70000.00} on this loan And Rushmore can not account for the money, Im not trying to lose my home, every time on their recommendation after I made a payment what ever they recommend it waste more time and always get multiple answers or things arent done to get this resolved. 
Some payments are like {$13000.00} some are {$6000.00}. 
I need some resolution.
Product: Vehicle loan or lease

XX/XX/2021 Kia Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX, Account number XXXX Vehicle Title Dear Sir, Consider this a complaint letter. Here is the story : On or about XX/XX/2021, I mailed a check for {$10000.00}, payable to XXXX XXXX, to your lease end office ( see USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). There is evidence the payment was received and processed. This payment was a payoff of the remaining balance for my lease. My expectation was that I would receive a lien released title within a reasonable timeframe. 

However, as of today, XX/XX/2021, my lien released title has not been received. 

I have called your Customer Service multiple times asking about the status of my title ( please review my account records for the applicable dates ). Each time, they have requested information that has already been submitted on multiple occasions ( Odometer reading, North Carolina Bill of Sale ). Your online portal indicates these items have been received. However, as of today, no one in your customer service group can provide a status regarding my title, and/or when my title will be delivered to me. 

Ultimately, I would rate your customer service as a 2 ( on a 10 point scale, with 10 being the best ). Although your staff was reasonable courteous, they were useless in resolving the issue. This is very poor customer service. 

Anyway, please provide any information related to locating and delivering my vehicle title. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX Cc : XXXX CFPB XXXX XXXX, President and CEO, Hyundai Motor America, XXXX XXXX XXXX, Vice President, Customer Satisfaction, XXXX XXXX XXXX, Director of Quality and Service Engineering, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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
Product: Payday loan, title loan, or personal loan

I received a loan from this company on XX/XX/17, outlined in the agreement a payment schedule of XXXX was to be paid on XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 and XX/XX/17 by automatic withdrawal. I have sent proof showing that at the end of my loan all payments were done. However at the end of my payments I received a notice stating that I still owed XXXX. I contacted the company and was told that there was a payment that was missed and unable to be withdrawn. Even though I disagree with this information that would be a single payment of XXXX. The payment of XXXX is compounded interest beyond what is stated in my signed contract and what is legal under Missouri state law. I have contacted my Attorney General in regards to this matter and the company several times to no avail. The customer service refuses to connect me with someone directly or give me contact information for the corporate office. I would like to have this settled immediately.
Product: Credit reporting or other personal consumer reports

Per the IRS, a lender ( Bridgecrest ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a XXXX to the borrower. As such, the borrower must report the XXXX as taxable income and this taxable income can no longer be disputed, collected or reported by the lender. Not only has Bridgecrest failed to issue me the required XXXX, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balanced owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy.
Product: Credit reporting or other personal consumer reports

Portfolios Recovery is selling deceptive information to XXXX and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. Portfolio Recovery did not receive any authorization from any court to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A judgement was filed against me in the XXXX XXXX XXXX in XXXX of XXXX. The relative case number is XXXX. The debt collection Attorney retained by the lender is Harris Loftus PLLC from XXXX, XXXX Harris Loftus issued a garnishment order XX/XX/XXXX. The total debt including interest and legal fees was {$4100.00}. 
In early XXXX I contacted Harris Loftus PLLC and spoke with XXXX and reached a settlement amount of {$3800.00} to cure the debt. 

On XX/XX/XXXX, of XXXX I contacted Harris Loftus PLLC and issued a payment of {$3800.00}. I was told that I would be sent a settlement letter, that the garnishment would be released and that if my pay was garnished beyond the settlement amount, that I would be issued a check to reimburse me for the overage. 

It is now XX/XX/XXXX, of XXXX and I have not received a settlement letter, however I do have bank records to prove that payment was issued to Harris Loftus PLLC. My employer has not received the garnishment release and I have not received reimbursement for the amount garnished beyond the final settlement amount. 

In addition to the {$3800.00} that I paid to cure the debt, {$1000.00} was garnished from my pay. The settlement payment and the garnishment amount combined exceed the total debt amount of {$4100.00}. 

The overpayment and the continuing garnishment are all a result of delays by Harris Loftus PLLC. These delays have created a financial hardship for me that has made it very difficult for me to cover my living expenses.
Product: Credit reporting or other personal consumer reports

Inaccurate debt not showing on credit report but inaccurately verified by experian to unauthorized 3rd party screening company XXXX  on report furnished XX/XX/XXXX Experian previously removed debt from credit file as unable to verify accuracy, however, inaccurately verified same debt for 3rd party vendor as accurate per report number XXXX. Debt with XXXX XXXX is invalid, and inaccurate. 

FCRA XXXX U.S.C Sections XXXX imposes responsibilities on all persons who furnish information to consumer reporting agencies. 
Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) also prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit card

I am attempting to increase my credit line on a credit card from Citi. Citi representatives tell me that XXXX is telling them I have a security freeze. In order to get control of this, I actually placed a security freeze so that XXXX would mail me a PIN. I got the PIN, then paid Experian to remove the freeze ( {$5.00} ). Several hours later, I attempted to remove the freeze again, but XXXX told me no freeze was in place. ( See screenshot document, attached. ) On calling Citi again, they again told me there is a freeze in place. This time, however, they said the freeze is in place due to " state legislation ''. I can find no reference to any security freeze that would be in place due to any legislation. I have no outstanding debt or litigation against me. So apparently there is a security freeze on my report, which is NOT requested by me, and which I can not remove, due to some unknown legislation. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

credence resource mana
XXXX date XX/XX/2019 account XXXX  
XXXX XXXX XXXX
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XXXX/XXXX XXXX  
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XXXX/XXXX XXXX XXXX
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