23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Complaint is with Chase Bank and online payment page : Web page consistently does not work when additional amounts are entered when making payment. This has occurred over the past several years, resulting in calls to the company to pay by phone and requesting to fix the problem. It appears that Chase is trying to force consumers to ( 1 ) sign up for automatic payments, and/or ( 2 ) make it difficult to pay additional amounts to accumulate additional interest charges that benefit Chase. 
Recent occurrence : XXXX XX/XX/20XXXX XXXX XXXX. I tried several times to pay more than the required minimal amount, but the system would not process the request. The system did accept the entry when it was equal to the required minimal amount. This issue has occurred numerous times over the past several years. I have called Chase on several occasions about this issue and to make payment. In addition, because there were a number of times that the system did not accept any payment, I requested a monthly paper bill as back-up. 
Thank you for consideration on this matter.
Product: Debt collection

Midland funding file a lawsuit for a debt that was not mine. They failed to properly notify me of a court hearing. The Judge entered a judgment in their favor for default. The only paper I received was only a paper that read left on fence with the judgement entered. The server put 2012 as the year of declaration under penalty. When I received the default judgement via reg mail, I asked to speak with the Judge about this incident and the court clerk told me that there was nothing I could do because a decision was already made. Now this company entered a levy on my bank account for XXXX the judgement that I have reads XXXX. They also made harassing calls to my family members about going to jail if this was not paid. 
Date of court hearing was XXXX XXXX Date of Levy was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} Discover Bank {$1500.00}
Product: Credit reporting or other personal consumer reports

My Wayfair Mastercard account has been removed from XXXX report without any reason. 
I contacted both wayfair and XXXX to correct the inaccuracy and both blame it on each other and I am lost in the middle.
Product: Payday loan, title loan, personal loan, or advance loan

The company charges an absorbent amount of interest despite a perfect credit score. You will forever be in debt to this company with one late payment. On top of that they consistently call and text multiple times a day. The other night after midnight I received a text from one main in one day I will receive multiple calls and voicemails from one main phone number and employees personal number. This violates the telephone consumer protection act. It becomes harassment with the multiple calls a day.
Product: Debt collection

Arstrat is attempting to collect debt that has already been paid. They call me frequently late at night and use abusive language and threaten to damage my credit score if the debt is not paid immediately. Please ask them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Kia three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXXwe returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to  believe that the credit department at Kia can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
Product: Debt collection

On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested an investigation into lvnv funding being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. 
Thanks in advance.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX and as a results the company agreed to delete their credit reporting. I recently realized their reporting was not deleted from the XXXX credit bureau. On XX/XX/XXXX, I submitted a credit dispute and XXXX days later, CKS Prime has responded that their reporting is accurate when it is not. I am attaching the confirmation that the reporting would be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've ask XXXX to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.
Product: Credit reporting or other personal consumer reports

Today, I had found out that the accounts I want to correct previously on my dispute remains on my credit file and appeared as late with delayed payment also I want to seek an assistance from you in deleting these charge of or late closed that such an erroneous accounts. However, I want to correct the late open accounts and remove the late closed and charge off accounts immediately with your help. Please find the required documents to assist in the correction or deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of these accounts after this attempts is unacceptable and reflects gross negligence. For this unresolve issue. I am pleased to ask an immediate help from you to correct the late open and remove the late closed and charge off as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this bridge crest company reported me as late when a payment plan was established. Company now stating no matter if a satisfactory agreement was in place they still need to report late. Have tried to speak with them directly, wrote letters yet still they report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with XXXX is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
Product: Debt collection

Around XX/XX/2018 we received a letter from Linebarger regarding a delinquent toll in the state of Colorado. We live in Oklahoma.

The letter makes several false and deceptive claims.

1. By not paying they will put a hold on your vehicle registration.

This claim is false and only applies to Colorado citizens. Additionally, per toll authority, this action only applies if you are delinquent and continue toll avoidance.

2. The firm altered the document to state fees of {$2500.00} for not paying. The actual fee is {$25.00} per toll authority.

This is another scare tactic that is uncalled for, unnecessary, deceptive, false, and abusive.

3. The firm had our license plate number from a sold vehicle with someone elses mailing address and name attached to the bill.

When calling to find out information on the toll bill the firm refused to speak to anyone but the person on the toll bill who was using our vehicle tag registered in Georgia.

So the company was attempting to collect a debt from us by billing a random person in Georgia with a different name racking up fees for their company.

Unjust enrichment.

The firm had no interest of clearing up the matter. In fact, the employee said the only thing he could do was take full payment.

However, he was required to state we could dispute the debt by mail.

Even though I made it clear the name or address werent ours he continued to collect a debt illegally.

4. I called the toll authority and they instantly cleared up the issue. Why this law firm chose to do business this way is worth investigating.
Product: Mortgage

Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX  is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.
Product: Checking or savings account

XX/XX/XXXX I moved XXXX from my bank to my daughters Card account with Current. As of XX/XX/XXXX the funds have been taken from my bank by current  but Current  has not posted them. A Current  rep via chat advised me this am they had my funds and it should post any minute. The funds never posted. I contacted Current  again and was told it would hold for 5 days. They said they did not have the funds but the first agent said they did and the funds have indeed cleared my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/XXXX 4. XXXX/XXXX XXXX - {$4100.00} on XX/XX/XXXX
Product: Student loan

I've spoken to Aidvantage over the last several months advising I want to take advantage of the Parent Plus double dip option and given instructions on what to do. Feeling uneasy, I called several times and was told to do nothing and the DOE would give me instructions after XXXX. Still feeling uneasy I called a few more time and spoke with a rep who also engaged with a supervisor and advised I was " given incorrect information and she was glad the calls are recorded '' She told me I had to submit a paper consolidation and told me how to do it. She also said she had to put in a work order to have the Parent Plus loans separated. Thereafter the consolidation would put them ( Direct and Parent Plus ) back together and I would benefit from the double dip. This was last week. I called again Friday and was assured all was well. I called again today and they said my consolidation has been cancelled with error code 0. My question was what is the status of the work order to have the parent plus and Direct loan separated and she was not certain. I am now waiting for a supervisor to return my call within 48 hours. Time is not on my side and I am dealing with a company where the answer depends on who you speak with. They answer questions you never ask and frankly are not fully aware of how this Department of Education adjustment will work. Fortunately I am persistent however I feel for those that are not. Who is overseeing this? Their ignorance and incorrect guidance will be the reason I do not get my adjustment and that is not fair. Why are the allowed to service student loans if they are employing people that fully understand the process? Please I need some help before my time runs out.
Product: Student loan

I have tried to contact Fed Loan Servicing, a part of The XXXX XXXX XXXX XXXX  XXXX about my Public Service Loan Forgiveness status. I haven't been able to get in touch with any loan counselor. I have been on telephone hold for over 3 hours. They have counted 88 of my loan payments as ineligible payments. I want an explanation and want to know how i can get these payments considered eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Via LexisNexis portal site : https : XXXX I requested that LexisNexis Please forward an updated copy of my report to XXXX screening reports within 48 hours. After updated report has been forwarded, please place a freeze on my account, as well as an information suppression. 

Please send a copy of the updated report you sent to XXXX to me as well at the address above 2 days later i still have not heard a response
Product: Debt collection

These claims were being submitted to me as the individual, instead of my insurance carrier, who is the XXXX XXXX. I am a full XXXX veteran, who receives full medical benefits from the military Veteran Administration and have since XXXX. My inpatient stay was for XXXX and this claim along with 1 more were never submitted to the correct entity. I am not responsible for this amount or claim. 
The first claim is for XXXX for XXXX XXXX XXXX XXXX XXXX and the other is for XXXX for XXXXXXXX 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 15 USC 1681. 

XXXX Bank and XXXX with no account #, 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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: Mortgage

Requested forbearance XX/XX/XXXX. Requested loan remodification XX/XX/XXXX. Requested reevaluation of loan remodifcation XX/XX/XXXXXXXX  service provider failed to respond. XX/XX/XXXXXXXX  submitted HAF application service provider failed to respond to HAF by the deadline of XX/XX/XXXX.
Product: Vehicle loan or lease

Contacted Ally for a payment extension as we were unable to make the payment ; rep denied request, stating we would need to make payment I made payment on the last day promised it would count against as late payment as it was on the deadline date. Contacted Ally spike with multiple reps and supervisors was told we would be granted a one time good will forgiveness by a supervisor and it never was approved followed up multiple times and no return call. We havent missed a payment since and still they will not grant the request.
Product: Credit card or prepaid card

I called American Express on XX/XX/2018 because I was unable to make payments because of their system. 

When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.

I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent. 

I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.
Product: Credit reporting or other personal consumer reports

I've called in several times since XX/XX/year> with issues revolving my Equifax Credit Report. I have been unable to obtain my own credit report and every time I call customer service I'm instructed to verify my identity with a license and selfie scan. Then the customer service representative tells me that they are unsure why I am unable to see my report because they can see it just fine. I was told last week they were escalating the issue upward and I would be receiving an email with updates within 48 hours. I have yet to receive anything and I am in the middle of mortgage shopping. Why am I unable to log in and see a credit report? Why are mortgage companies attempting to pull my credit with no luck if I clearly have a credit report that is unfrozen?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  and XXXX  of XXXX I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Mortgage

I took a approved forbearance. My loan had been current upto the shutdowns. At the end they gave me 3 options. One of which was loan modification. The payments were {$1400.00} starting on XX/XX/2021. The immediately started charging me {$1800.00} per month from day 1. I asked why that was and they said it was new a escrow analysis. Well I would have went with one of the other options. They are also charging me {$2000.00} in late fees and property inspection fees during the agreed forbearance period. Now they are telling me they are going to take my home unless I agree to a short sale. I have {$1400.00} since XXXX to pay them. What they are doing is very wrong. Im hoping they can be held accountable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$3400.00}.