23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage through XXXX Loancare. I called XX/XX/XXXX to schedule a late payment of the full amount of my loan ( {$5300.00} ) to be taken out of my account on XX/XX/XXXX. The representative scheduled the payment for XX/XX/XXXX. I called again on XX/XX/XXXX to see why my mortgage payment had not been processed and also to schedule to pay the late fee. The rep on the phone said that it can take 5-10 business days for the payment to process. He then also offered to schedule my late payment of {$190.00} dollars. I said yes and he scheduled my late payment. I checked my bank today XXXX and noticed that my loan payment had still not been taken out of my bank account but my late fee had. I called Loancare to ask why. The rep explained that their system can only process one payment a day. I told her the rep never explained that to me. If I knew that they I would have not scheduled my late fee payment of {$190.00} because it is much more important that the {$5300.00} be taken out of my account on XX/XX/XXXX. Her explanation was that " Sometimes this happens. '' I would have not known that this " sometimes happens '' if I didn't call back in and diligently check my bank account. They also stated that my payment that I scheduled on XX/XX/XXXX of {$5300.00} could not be posted for XX/XX/XXXX as I orginally scheduled it, only for today XXXX. I told them that this is not my error, this is your system error and it should be posted for XX/XX/XXXX and I should get any interest this caused back. They continued to not acknowledge this. Customers should be told that this can occur. I would have done my payments through the online portal if I knew that scheduling two pays can kick one payment out of the system.
Product: Debt collection

When I moved out of my apartment before my lease ended on XX/XX/XXXX, I did so with the understanding that the leasing company would handle the situation professionally. I communicated my situation, mentioning that I was in the process of finding someone to take over my lease. I paid the entire month of XXXX and vacated the apartment a week early, with someone else assuming my lease, trusting that the leasing company would handle the transition smoothly. 

Initially, I was told I would receive my {$300.00} deposit back. However, that has yet to happen. Instead, I was informed that I owed rent for 9 days because the leasing company wouldn't allow the new tenant to move in immediately. I received misinformation throughout this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XX/XX/XXXX 2 XX/XX/XXXX 3.XX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXX XX/XX/XXXX1.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Consumer Loan

Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!
Product: Credit reporting, credit repair services, or other personal consumer reports

After p

urchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2021 ) I've tried contacting Equifax, the first person hung up on me on accident. The second tried to be helpful but their joke of a system wouldn't verify my identity. They sent a link to take photos of myself and ID, no big deal. Other than even with crystal clear photos it still denied the photos of my id until it denied me anymore. They haven't updated any of my credit report in 3 months and when I've done so much to get it up to be able to expand my company this is unacceptable. To not be able to get the help you need or even just keep denying the photos without any error or explanation is just sloppy. I'm not just disappointed, I'm angry, this is holding my income back exponentially and there is no excuse for any of this. Their agents aren't even able to give callbacks to the people their supposed to be helping. I really hope that something is done about this system since it is so important for people 's lives.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX IN I traded my XXXX XXXX XXXX in which thry gave me XXXX and told me i need to inculde all accessories such as a XXXX suspension kit, XXXX dollar sub and radio, foot pegs, lights and etc. The vechile i receveied was a XXXX  XXXX XXXX  XXXX tradesman, as is warrenty, upon signing the paperwork, i was told about a warranty that was included and is XXXX dollars extra a month. I was told they would fix the suspension water pump leak and transmission oil cooler lines as the guy yold me he just bought this at an auction and his friemd told.me it was a good condition truck, the auto lot paid for a partial suspension fix XXXX dollars and i had to purchase new struts and shock coild spring package and still habe to get the water pump and cooler lines fix. the warranty states that it applies after a XXXX miles and covers anything that has occured after that. I asked for them to stop the warranty at credit acceptance and said it cant be done
Product: Credit card

American Express extended an offer for a new Gold card with a XXXX membership rewards points promotion, but then told me on the phone I was n't eligible since I had previously had a gold card. They should n't send me such an offer if they do n't intend to offer it to me. There was no disclaimer on the terms and conditions, noting the condition that I must never have possessed a gold card in the past. This is a case of bait and switch. They should be prohibited from sending such offers. Surely, the company has a record of my previous business with American Express. They said their marketing department does n't have this information. I say get it to them and do n't make me an offer you do n't intend to stand by. 
Thank you.
Product: Credit reporting or other personal consumer reports

Toyota Motor Credit will not correct the late payment reporting for XX/XX/XXXX and XX/XX/XXXX. Due to a checking account error with XXXX 's financial app, the monthly payment, to XXXX, was not received by the monthly due date. I contacted XXXX to make a one-time payment and requested that no late payments be reported. XXXX stated that the account was in " good status ''. The same problem occurred in XX/XX/XXXX. I contacted XXXX to make a one-time payment and to resolve technical issues with their financial app. 

Prior to XXXX and XXXX XXXX 100 % of payments were paid on-time. XXXX stated that's best to make payments thru their web portal. From XX/XX/XXXX to XXXX XXXX 100 % of payments were paid on-time and the car loan was paid off. The technical issues with XXXX 's financial app had created a situation that was quickly resolved by the customer. 

I'm requesting at the 30 day delinquency be removed from my credit reports.
Product: Prepaid card

I have tried using this at multiple stores, both for the full amount and for less money and either the store would not accept it or the payment was declined. I noticed many people are having the same issue. This card is supposed to be accepted everywhere Amex is but i have yet to be able to use it.
Product: Mortgage

I am a Widow who has asked for assistance and denied, never receiving assistance. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from TD Bank but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and I was denied again even though I gave them concrete proof. I needed my loan modified to a smaller payment so that I could keep up the payments, I do n't have far to go to finish paying off the balance. Because TD denied me help, in order to keep up the payments current and on time, I used my savings to supplement my income. Now my savings is gone and there is nothing left to supplement. I am behind, a car repair problem caused a setback in my ability to make payments to them. I only owe them approximately {$27000.00}, my monthly payments are {$450.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from TD Bank where I have a home equity loan. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. Under the current administration, there are mortgage programs that would assist me but TD Bank would rather harass me for payments that I 'm unable to make rather than offer a solution where we can all benefit. Each week they send me threating letters of foreclosure, I know from past experiences, if I continue to send them requests for assistance, they have no intentions of helping me with anything but out of my co-op if I ca n't pay. TD Bank holds the home equity loan and I am currently unable to pay and I am being harassed rather than given any assistance. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
Product: Debt collection

I emailed XXXX XXXX to receive my transcript on XXXX/XXXX/XXXX. I was emailed back stating there is a financial aid hold on my account and asked to contact XXXX XXXX XXXX. I talked to XXXX XXXX and told her I did not understand why I could not receive my transcript because of a hold that she claimed I had on an account. XXXX XXXX stated that the account was sent to XXXX XXXX XXXX. I called XXXX XXXX XXXX and talked to several people at XXXX XXXX XXXX, the first conversation I was told I had a XXXX balance. The next person I talked to XXXX XXXX she told me the account was in dormant status and the account was returned back to Argosy University. I called XXXX XXXX XXXX for the final time, and I talked to XXXX XXXX XXXX and she also told me that the account was returned back to Argosy University on XXXX/XXXX/XXXX and the amount was XXXX. I checked my credit report and I have no charges on any of my credit reports regarding Argosy University.
Product: Checking or savings account

Ive been trying too access my money since it was deposited into my account from the irs from a tax return I did through XXXX XXXX the bank then asked for all the documents an details after they said they verified the deposit I still provided all the proper documentation. Ive been calling and calling they will not let me know when I can access my money or do anything but deposit in the account its going on 3 months. My deposit was made XXXX too me on XXXX 2023. Its no reason my money should be held this long specially if its my money.
Product: Student loan

I started with XXXX, but my loans were then purchased by MyFedloan. I am on an Income-Driven Repayment Plan. I am a  XXXX and wanted to update how many qualifying payments I've made toward the 120 needed for loan forgiveness. My income was so low one year that my payment calculated to {$0.00} per month. For 12 months the balance due was {$0.00}. The companies servicing my loans won't count these 12 months of payments as qualifying payments even though I was enrolled in an Income-Driven Repayment Plan and XXXX at a qualifying government institution. It is my understanding that even {$0.00} monthly payments are supposed to qualify as payments toward the 120 required for forgiveness.
Product: Debt collection

There is a collection that just report on my credit file which is NOT mine. Please help Diversified Consultants an ATT account which I have never had this needs to be removed ASAP
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Received paper mail ( dated XX/XX/XXXX ) from Synchrony reminding me that I have a PayPal credit Account. I do not recall ever opening this credit account and it was never used. I called Synchrony to cancel said credit account. The Synchrony rep was very helpful and closed the account. He confirmed that there was XXXX balance and zero charges. He indicated that the credit account was opened on XX/XX/XXXX. My PayPal account shows that I joined PayPal in XXXX. I closed my PayPal account due to this discrepancy. 

My complaint is associated with the discrepancy between the XXXX and XXXX dates and the appearance that credit accounts are opened without the consumer 's awareness. I do not know whether this is an issue with PayPal, Synchrony or the previous service provider prior to Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -NCA # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Credit card or prepaid card

i disputed two accounts one for {$1000.00} and the other {$4600.00} from the same company that was reporting on my credit report which i send by certified mail usps on XX/XX/XXXX which the company received both letters on XX/XX/XXXX. 
under the fair credit reporting act they have 30 days to investigate and furnish the credit bureaus with the required disclosure within the period required by law. i pulled my report to find that they did not do so. they fail to mark both accounts disputed with all credit bureaus not only that the last date of active shows 3 different months and showing the year of the last active as XXXX and on both accounts, are showing different account numbers. and knowing that they failed to furnish the accounts with the bureaus within 30 by law it needs to be removed.
Product: Debt collection

1 ). Yesterday, XX/XX/XXXX, I received a letter from Suburban Credit Corporation, XXXX XXXX, XXXX, VA XXXX, stating that I owe XXXX XXXX - XXXX, the sum of {$850.00} for services on XX/XX/XXXX. 

2 ). I called XXXX XXXX - XXXX at ( XXXX ) XXXX, a number I found on their website, and the rep asked for my birthday, which I refused to give. I asked him details about my said service, and he said my said membership has been suspended and I should contact the debt collector. 

3 ). Today, XX/XX/XXXX, I contacted debt collector at ( XXXX ) XXXX. ( The other number on their letter is ( XXXX ) -XXXX-XXXX. The female rep asked for my birthday and I refused and asked to speak with the supervisor. The supervisor wanted my birth date and I informed him I could not give him such a private and confidential information as I did not trust him at all. I told him I do not live in VA and so can not have a fitness membership in VA since XX/XX/XXXX. He then backed down and asked if my birthday was -- -- -- -- XXXX. I said No. he then said in that case I should not worry as it must be an error in the fitness company 's records. 

4 ). I believe this whole thing is a scam and so will like to inform you.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX, XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And these inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I pulled my credit report and saw that Opportunity Financial , LLC is showing a loan charged off with a past due amount for loan # XXXX. 

I wrote a letter and enclosed a check stating that if they cashed this check they would, show account paid in full, and remove account from ALL credit reporting agencies, cease all collection attempts and agree not to sell or transfer loan to an outside agency. 

I have attached my credit report dated XX/XX/2020, a copy of my check that stated the above information dated XX/XX/2020, a copy of the cancelled check dated XX/XX/2020 and a copy of my credit report dated XX/XX/2020 showing they have dishonored this contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed errors on my credit report and would like for them to be updated and removed
Product: Credit card or prepaid card

Capital One sends solicitations multiple times per day, even when I opted out of receiving ANY notifications on their website. I have opted out using every mode I can find. As soon as I decline advertisements from them in my gmail account - another one is sent within a matter of hours. They are hammering my inbox with advertisements. They are relentless.
Product: Debt collection

According to law 1681 ( e ) ( b ) the collection agency must follow procedures to provide maximum possible accuracy of report. The credit company provided a bill which does not verify my ownership of the debt, nor does it verify Transworld System 's legal ownership of the debt and legal right to collect. It was requested that in accordance with law 1681 and Law 15 USC 1692, Transworld Systems provides a signed payment agreement between myself and the creditor. Transworld Systems has not provided that. Collection agency is in violation of law 15 USC 1692 DC : The collection agency failed to report that the collection was in dispute. The collection agency refused to provide me with written communication of their failure to provide an official payment contract with the original creditor AND the collection agency with my signature in order to verify the debt belongs to me. Law states that the collection agency must cease any attempt to collect the debt until this is provided, and should not be reporting a balance owed until this verification. Law states the following is in violation : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Since Transworld Systems has failed to provide both proof of a contract with my signature with the original creditor and a purchase agreement for the debt proving their ownership of debt and right to collect, please delete this account. Failure to follow the above mentioned laws puts Transworld Systems in violation of the FRCPA and the FDCPA, which will lead to a request for statutory damages under 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 
As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about this unverified account as of today.
Product: Credit reporting or other personal consumer reports

This is a XXXX year old account. I have never taken out a loan with this company. I have never received any correspondence from this creditor regarding this debt. This company went on my credit file one month from the removal day and added derogatory information causing my score to drop an additional XXXX points. I have not been provided any proof that I have requested regarding this account. This account has been listed as a charge off for XXXX years looking at this report and suddenly changed to a collections but no one has attempted to collect and no collection agency has this debt.