23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Credence Resource Management with a balance of {$180.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Product: Student loan

I took out a student loan under XXXX XXXX in XXXX of XXXX with an original principal of {$17000.00}. In XXXX of XXXX, I was encouraged to go into forbearance rather than using income-driven payment plans and ended up consolidating my Federal student loans with Navient at an exorbitant interest rate of 9 %. Navient did not encourage the option/benefit of an IBP in XXXX of XXXX. Since XXXX, I have been under an IBR Plan, but my principal is now {$71000.00}. I believe I would be in a better financial situation at this time had I initially signed up for an IBR. Please help in rectifying this situation or advise of other avenues to take to reduce the interest I have accrued over the years.
Product: Checking or savings account

Capitol One has not deposited my paycheck in my account. It should have been in yesterday XX/XX/XXXX. They only said that they were having tech issues all day yesterday. They finally sent out an email that they were working on getting deposits at XXXX yesterday, and the email said that they hoped to have it fixed this morning. I still have not received my deposit as of XXXX XXXX on XX/XX/XXXX. There has been XXXX communication from Capitol One aside from the email, and no indication that they are planning on doing anything to help with all of the problems it has caused.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I used Thank You Points to purchase XXXX {$100.00} Sears gift cards from my CitiBank Sears Credit Card account. I received a confirmation email but the gift cards were never emailed to me. On XXXX XXXX, XXXX, I called company and after numerous attempts, I finally received XXXX emailed gift cards. 
On XXXX XXXX, XXXX, I made a {$7300.00} purchase at Sears and I attempted to use the gift cards, but only XXXX gift cards were valid and XXXX {$100.00} gift cards showed XXXX balance and I was unable to use those XXXX gift cards. 
On XXXX XXXX, XXXX, I again called Citibank Thank You Points ( XXXX ) XXXX and spoke with operator who said that I would be notified regarding this issue. 
As of XXXX XXXX, XXXX I have still not heard back from Citibank, so I called again and after being hung up on the phone XXXX times, I finally reached a supervisor who advised me to call Sears. I told the supervisor that I have searched the Sears website and there is no phone number listed. The supervisor told me to hang on the line while he called Sears, but he was also unable to find a phone number to call Sears. Sears does not list any contact phone number on their website.

I specifically used the Sears Citibank credit card to earn the " Thank You Points '' and I wanted to use the points to pay for a large purchase, but they emailed me gift cards that were not valid. 
I had been saving up the points earned because I intended to use for major appliance purchase and was unable to use them at the time of purchase. 
Attempting to contact Citibank Thank You Points is extremely XXXX especially when they continually hang up on me and I have to initiate another phone call, and repeatedly go through their cumbersome menu system in order to reach a live person.
Product: Credit card or prepaid card

This complaint involves Sychrony Bank and the credit card obtained from them through membership at Sam 's Club. My card payment is due on the XXXX of each month. I was over my limit and decided to take money out of savings and pay almost all of what was owed as I no longer want to pay large interest payments. 
I submitted a payment of {$7500.00} for XX/XX/XXXX. I received notification that payment was processed on XX/XX/XXXX. My personal bank account showed the money was paid out on XX/XX/XXXX. On XX/XX/XXXX, my card was declined for payment of a service on that date. My account showed that I owed {$710.00} dollars to Synchrony but that I had - {$740.00} available to spend. I have a {$7500.00} limit. I tried an online chat with customer service and expressed my concern. I was informed that larger payments can take as long as 3-4 days to process. I continued to check the account over the weekend and there was no change. I also continued to express my concern in the online chat with customer service. Yesterday, XX/XX/XXXX, I once again checked and again the figures had not changed. Today, XX/XX/21, I went to use the card to pay for less than {$25.00} worth of groceries and again the card was declined. The figures in Synchrony Bank '' s summary of my account have remained the same. Once again, I explained and complained to customer service. I also insisted that any and all interest fees accrued since XX/XX/XXXX when payment was processed, be dismissed. 
I appreciate any assistance you can offer with this matter.
Product: Debt collection

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I have been trying to refinance my car for almost two years because the note is so high. After this last time, the company that I was trying to refinance with informed me that I am " upside down '' in my car. I didn't understand why. He informed me further that the company whom I lease through, Nissan, added a car to my leasing agreement that was not in my name which causes me to have negative equity. This is making me unable to refinance the car. The car that was added to my leasing agreement was in my father 's name. I was unaware of this being done. I believe that my father and the shady salesman did this so that my father would not have a voluntary repossession on his credit report. I called Nissan and ask that this be rectified. They told me that there is nothing that they can do. I have paid for my car. I am still currently repaying for a car that was never mine to begin with. I want to have this negative equity removed and applied to the proper party, my father.
Product: Debt collection

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Product: Mortgage

I closed on a house one month ago, on XX/XX/XXXX, and wanted to inquire about a situation I experienced with the mortgage company. Really just looking for advise on what I can do but I'm not sure there is anything. I was put in touch with one of the representatives of Greentree Mortgage by my realtor during the pre-approval process. They were able to get me a pre-approval for an FHA loan. This was in XXXX of 2020. We finally found a house that took our offer in XXXX and at this point we find out how much we would pay each month and that even with putting 20 % downpayment we would have to pay the {$200.00} each month for 10 years for mortgage insurance. At this time I went through lending tree just to see what other mortgage companies would offer and the majority stated I wouldn't have to pay the insurance if I was putting 20 % down. But it would take 30 days to process everything and I couldn't push back the closing date, I was worried the sellers were going to back out of the offer.

So, the week after I closed I was looking to refinance. The representative with Greentree mortgage got word of the refinance and sent me an email stating that if I paid off my mortgage that quickly though another loan they would be audited and there would be severe penalties. He said that after all the work they did to secure me this loan let them look into refinancing and it would be cheaper since I wouldn't have to pay all of the closing costs. So, literally about a week after I closed all of a sudden they're about to get me a conventional loan and it will save me about {$130.00} a month but I'd still have to pay {$8000.00} in closing. Again after I just paid {$12000.00} to close with the same company the week before. 
He says that the closing will almost wipe out the savings I would have in monthly costs but if I wait 7 months it will build up my equity enough that I wouldn't have to pay the closing costs. He said it's up to me. Since I just closed on the house I didn't really have the money to close twice so I agreed and said I'll wait until XXXX. He stated he will reach out to me then. 
Well now it is XX/XX/XXXX, which is about XXXX weeks after we last spoke and a month after I closed on the house and they sold my mortgage to XXXX Mortgage. So I guess now I have a different representative? I don't know, nobody has reached out to me. 
My inexperience in the loan process and going with Greentree Mortgage has definitely cost me alot of money that I'm going to have to pay over the life of the mortgage. I'm not sure if this is how mortgage companies operate nowadays but I purchased a condo about 15 years ago through XXXX XXXX and the experience was definitely alot different. I just find it odd that he gave me the best loan possible ( according to him ) in XXXX and then a week after I closed and he heard I was refinancing he was able to find me a much better loan. I'm not sure what all I can do now but hopefully this can help someone else avoid this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE QUITE A FEW FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT. I NEED THESE REMOVED WITHIN 4 BUSINESS DAYS. THESE INQUIRES AREN'T ATTACHED TO ME AT ALL. XXXX : XXXX XXXX, XXXX XXXX - Inquiry date XX/XX/2022 XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2022 TRANSUNION XXXX XXXX : Inquiry date XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved issues on my credit report. Despite my multiple attempts to dispute inaccurate and unverified negative items, these issues have been left unaddressed, causing me undue stress and negatively impacting my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act ( XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Oportun acquired XXXX and I have an account with XXXX and have for several years. In the past you could manage the funds in the XXXX account via text commends. But since Oportun has acquired that functionality has ended. My contact info on the account has recently changed ( email and mailing address ), but Oportun has provided no means to change account info. on the XXXX accounts. I have called Oportun several times to change my information over the phone, but Oportun has NO servicing center for the XXXX accounts. I have spoken to several CSR 's and they claim someone will call me back, but they never do. I have over $ XXXX in this account that I effectively can not access. The account continues to pull money from my checking account because it is a passive savings account, but I can not turn that off either because the functionality is not built at Oportun. They are essentially holding my money hostage and will not help me access it.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with Equifax Experian and transition but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within XXXX  days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 have violatated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX - Account XXXX, XXXX XXXX Account Number XXXX XXXX XXXX= Account Number= XXXXXXXX XXXX= Account Number XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 items of information, other than recorrds of convictions of crimes which anteddates 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " Pennsylvania Bankruptcy XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the PA Bankruptcy " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I came in from work with a molded apartment. I lost everything. Furniture, clothes, shoes. Mold was in the bathtub & walls. On XXXX XXXX  I asked to be let out of the lease because it was a health hazard to live there with mold. On XX/XX/XXXX I moved out and return the keys back to them.They agree to let me out the lease, I was given an early move out date & termination document with the manager at the time, XXXX  whos signature is the document stating that they agree to let me out with a valence if XXXX. I asked for a ledger but it was all messed up with incorrect numbers. I was not behind in rent and never was late. 
Ive reached out to them about 6 times about the matter its been 3 years Ive been trying to get this misinformation off. The palms of XXXX XXXX proceeded to update the balance with a new ledger stating I owed {$120.00} back in XX/XX/XXXX with a new ledger, but I have all documents stating that XXXX XXXX let me out of the lease owing XXXX XXXX. Its miss information & the amount owed XXXX  is false