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

I opened a netcredit revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted Netcredit to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and Netcredit was that no payments would be reported late once the contract was formed and executed. Netcredit breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid Netcredit each month on time yet Netcredit still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted Netcredit on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to Netcredit deleted from all of my consumer reporting agency reports ( XXXX, XXXX, and XXXX ). Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.
Product: Credit card

When checking the statement dated XX/XX/year> I noted I was charged a fee of XXXX The fee was listed as " MINIMUM INTEREST CHARGE '' I am still within the 18 month 0 % APR period for balance transfers and have never used the card for any purchases.

I had a chat with customer service who initially told me it was charged on my purchases which were a " very low balance '' when I asked they could not tell me what the balance was so I escalated to a supervisor. 

The supervisor initially told me it was my purchases, but then changed and said I have no purchases and " The minimum interest gets charged if the card is not used for purchases for a long time. I understand you only have balance transfer in your account. the card has no purchase balance '' They are admitting to charging me interest on a card I have not used. 

I asked about the initial balance transfer period : " so there is no possible way of transferring a balance for an 18 month promotional 0 % APR and not getting charged interest during that 18 months. NO POSSIBLE WAY. Again, just want to be clear for the complaint '' and received response " The minimum interest will get charged if there is no purchase balance for a long time. So, yes. That is a fee and we can surely take care of it for you '' This is not in my agreement. I obtained this card to pay off a balance interest free. I implore you to please look at the attached snips of the conversation I had with customer service. 

The supervisor then tried to tell me the interest was charged off a fee that was waived, and offered to waive this fee, but admitted it would create another fee next month automatically making it impossible not to have a fee on this card every month. 

This is a hidden fee on a card that my agreement states has no annual fee. 

( Note. The after my last message I was dropped from the chat )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my free annual credit report mutliple times and Transunion is the only one of the 3 that has a lame reason that they will not send my report to me and it is in violation of the law. It basically results in " there is a problem with accessing your report '', some XXXX  like that... thanks in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked at the XXXX  XXXX XXXX for almost two years with more than 20 years of customer service experience. I can not believe that Equifax, giving the nature of its entity, has a huge amount of inconsistencies of information ( based on the slim you are able to even get any ) and you are in a forever loop of frustration as no one can help and no one can confirm anything even if you have numerous confirmation numbers, names/dates/pin numbers relevant to such, but one thing that is assured, every employee has the same robotic comment to my problem " they are so sorry, and would love to help me ... but. '' I'm a newly XXXX, single mother of XXXX and I'm about to loose the purchase of my first home for myself and my children due to Equifax and their sheer disregard for my dire need to address the issue as to why my score/credits, only for Equifax mind you, will not reflect on my report for my lender to access, only my debts are visible, yet after 3 weeks of battling who will help me, I finally was able to confirm a freeze had been lifted ( confirmation number in hand, and yes it still took 3 weeks before someone would verbally confirm it was actually removed ) but yet my score is still not visible, that being said I'm assuming only XXXX Equifax will only ever know as to why ( being a lender gets you no where either unless your paying for their services ) my information is not reporting. Now I have the painstaking task of telling my kids were not getting the house, as of yesterday its back on the market ( signed my first ammendment ) all because my information won't show up and no one will tell anyone why. Now I'm pretty sure even a fifteen year old can use common sense to question as to how ignorant that sounds. And yes, this will be the second house that has fallen through for us in the last year, first was negligence on my previous lenders intelligence. Thank you Equifax. Bravo. Happy New Year to you and yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Equifax is blocking me from accessing my account ; when I try to go through their verification process, they ask me questions that don't apply to me. I think there is a problem in their file that has me mixed up with someone else. 

Long version : I have a credit freeze through Equifax. Today ( XX/XX/2021 ), I attempted to temporarily lift the freeze. I am unable to access my online account ; when I try to log in, I get a message asking to call their Customer Care team. When I call the listed number, I go through a long, automated phone tree process that includes identity verification. When I get to the end ( after a full 10 minutes of answering questions ), they tell me that they're unable to help me but I can fax or mail them some documents. No clear instructions on what documents or how to give context. 

I've run into this several times in the past ( at least twice in previous years ) when attempting to verify my identity. I'm able to successfully provide correct information about my current and past addresses, etc, but eventually get to a series of questions about loans. They ask me questions about auto loans, student loans, and mortgage loans that they believe I've held. None of the questions apply to me ; Ive never held any auto, student, or mortgage loans. I answer " none of the above, '' but at the end of the questions, get directed to this mail/fax situation. 

At first, I thought that maybe someone had stolen my identity and opened fraudulent loans. However, my credit score and credit reports don't include any incorrect information that I can find. In addition, I've never run into this problem with XXXX or XXXX. As best I can tell, Equifax has some kind of internal database issue where they mix up my file during the identity verification process, but not during normal credit checks. 

I can provide copies of my documents to verify my identity, but don't want to send this information out into the void without speaking to someone first to make sure I'm doing it correctly. I have never been able to talk to an actual human who works at Equifax on the phone, no matter what numbers I call or what options I select on their phone tree. This problem crops up every time I try to use Equifax, either online or via the phone, and has continued over the course of several years. 

Please help me resolve this issue! I have no idea what steps to take next.
Product: Credit card or prepaid card

Capital One walked me through an application and assured me I was getting an intro rate card with better terms. They had the same card on the website and it was confusing which venture one card I was applying for. Called customer service when I applied, they ensured I would get promotional no apr and more XXXX mileage on venture one.
Product: Debt or credit management

I signed up with a debt relief company called Americor to fix my credit, my debt, and they didnt tell me that my credit score was going to go down XXXX points now I cant even get a home equity loan because my credit is so low
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a accounXXXX XXXX account number XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX. I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.
Product: Mortgage

I contacted XXXX requesting refinancing for lower payments * XXXX instructed me to miss 3 payments for enrollment in a program called HAMP * I complied. In month three I was instructed my loan was sold and to await instructions as to on a ) who to make payments to b ) how much payments would be * After approximately 2 months I phoned XXXX, concerned about timely payments, and was told theyd phone and email me once they determined who my new lender was * I continued to save the payments and finally after approximately 3 months they notified me I would receive written notification via mail from Gregory Funding regarding : a ) who to make payments to b ) How much payments would be * Gregory Funding mailed notice to render a single payment which was equal to previous payments ( no refinance ) * I asked about refinance status and was advised I would have to render payments without an interest rate reduction until they reviewed my file * No amortization chart, notice of interest paid etc was received, in spite of my inquiry for over a year. 
* Note : I asked why my On Time mortgage payments were not sent to the credit bureau. They advised they were not required to, which negatively impacted my credit. 
( 1 ) Complaint # 1- Gregory Fundings accounting continues to increase the principal balance on the loan, although payments were made timely. To date, they have added in excess of {$30000.00} to my loan. 

( 2 ) Complaint # 2 Escrow Account Failure to Pay Taxes Gregory Funding has not paid my property taxes for XXXX as of XX/XX/XXXX, which has accrued delinquent fees, although they have funds within the account. 

( 3 ) Complaint # 3 - Gregory Funding renewed my Flood Insurance policy by replacing my name with theirs. I filed a claim for damages and Gregory Funding received payment intended to pay me for damages. I still do not have payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Product: Credit reporting

An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.
Product: Mortgage

I am currently in a processing with the California Mortgage Relief Program and I am a qualify candidate that they can help me with my delinquencies but my mortgage servicer is refuse to assist with this program. Please help me connect with them to resolve this issue to save my only home.
Product: Mortgage

My mortgage is currently serviced by XXXX mortgage. It is zoned a commercial property but has a residential loan attached to it. I have approached XXXX to correct this matter on may occasions. XXXX has advised that I have to complete an online form to proceed, however they have failed allow me into the portal. XXXX is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. The rules listed below clarify the obligations of XXXX. 

XXXX Loss mitigation procedures. 

CFPB Rule 41 ( b ) ( 1 ) A servicer has flexibility to establish its own application requirements and to decide the type and amount of information it will require from borrowers applying for loss mitigation options. In the course of gathering documents and information from a borrower to complete a loss mitigation application, a servicer may stop collecting documents and information for a particular loss mitigation option after receiving information confirming that, pursuant to any requirements established by the owner or assignee of the borrower & # XXXX ; XXXX mortgage loan, the borrower is ineligible for that option. A servicer may not stop collecting documents and information for any loss mitigation option based solely upon the borrower & # XXXX ; XXXX stated preference but may stop collecting documents and information for any loss mitigation option based on the borrower 's stated preference in conjunction with other information, as prescribed by any requirements established by the owner or assignee. A servicer must continue to exercise reasonable diligence to obtain documents and information from the borrower that the servicer requires to evaluate the borrower as to all other loss mitigation options available to the borrower.
Product: Credit reporting or other personal consumer reports

Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account. 

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting XXXX be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt. 

Actions Requested : XXXX. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off.

I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required.

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

How can Equifax say this " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number '' I have a credit score for Equifax! There are fraudulent inquiries reporting on Equifax. They should remove them immediately!
Product: Debt collection

XXXX sent an amt of XXXX to collections. Was removed by XXXX. Have been contacting XXXX ( who changed the amt to XXXX ) and the collection agency to Allied Collections.in XX/XX/XXXX.Have disputed the amt. With XXXX, Allied Collections and XXXX with no results. Allied hung up on me 2 times, XXXX gave me 3 different stories what the claim was for and I disputed 5 times with no result from XXXX  Sent to Better BusinessBureau. The dispute nos are XXXX XXXX XXXX in XXXX and the last conf no is XXXX which says pending since XXXX. When called re : XXXX told me to dispute again. System would not allow. This if rediculous. Was XXXX cust. for 14 yrs. ans switched because of poor quality in my home. There was no ETF was not in contract. What is the problem with Allied????? They are not doing anything to fix nor XXXX Will be contacting my Lawyer if not resolved shortly.
Product: Debt collection

Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them.
Product: Checking or savings account

I have a business account with the Bank of America. 

On or about XX/XX/2021 - XX/XX/2021, XXXX XXXX  XXXX ( Client ) residing at XXXX XXXX XXXX, XXXX, VA XXXX I filed a fraudulent claim a transaction was initiated in my account resulting in the following transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} to a Recipients Bank in XXXX : XXXX XXXXXXXX XXXX XXXXXXXX and the recipient is XXXX XXXX  XXXX Details XXXX Transaction Type : Wire Amount of Transaction : {$2500.00}, {$5000.00} and {$1400.00} Clients Account Number ending in ( last 4 digits ) Recipients Account Number ending in ( last 4 digits ) Recipients Bank : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX Bank Of America still have not resolved my claim.
Product: Credit reporting

( 1 ) A landlord requested my credit report and criminal background check through TransUnion SmartMove ( 2 ) TransUnion SmartMove instantaneously provided the prospective landlord with my credit report and criminal history through their online portal, based on the information I provided ( 3 ) On TransUnion 's website, the company will disclose the contents of the report to individuals who requests a copy of a report by calling customer service. ( See attached screenshot. ) ( 4 ) After calling customer service, providing extensive verifying information, I was told that I was required to email/fax a document with a photo ID and lots of personally-identifiable information to their processing center, and wait for a report to be /mailed/ within 30 days. 
( 5 ) I asked whether or not I could be provided with the report electronically, since I had already verified my identity. I explained that a ) I had no opportunity to review the report to ensure the validity of the data and b ) mailing the report seems peculiar for a service designed for individuals who are moving into new residences -- the address is likely to change soon. 
( 6 ) Customer service elevated me to the supervisor, who explained that this process was /mandated/ by the FCRA. This may be true, I am not a legal expert, but seems counterintuitive. 
( 7 ) No resolution.
Product: Credit reporting or other personal consumer reports

I am requesting the method of verification used by Experian for disputed information on my credit report, which was previously deleted due to an identity theft report but has since been re-added. Under FCRA Sections 605B and 611 ( a ), I am entitled to detailed information on the verification process and documentation used. Despite submitting an identity theft report filed with Federal Trade Commision on XX/XX/2024, the disputed item remains on my report. I request the name, address, and telephone number of the entity contacted, a description of the verification process, documents used, and an explanation for re-adding the item. I expect compliance with FCRA laws and the removal of the disputed item if verification can not be provided.
Product: Debt collection

i just received a notification on lending tree stating my credit score decreased due to Jefferson Capital System reported inaccurate information on my credit report XX/XX/XXXX that i owe an outstanding balance of {$2100.00} and the account was opened on XX/XX/XXXX. i was just released out of XXXX XXXX XX/XX/XXXX i have no employment as of yet theres no way this is me and i never did any business with this company nor had any acknowledge that company existed.