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

I am Filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my credit report as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Because of this issue, I kindly request a thorough review of the documents I have submitted to ensure I won't have to face this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appleid for a credit card. It was approved. Then came the letter stating a high interest would be charged do to a XXXX score from Transuion. I have a XXXX XXXX account and have acess to my score and credit information about my past. I believe this to be accurate. My score was in the low 800 's at the time of this credit card application filing according to XXXX XXXX. Now it is in the high 700 's. I tried to call and emailed Transuion. There is no option to leave a number for return call. No one aswered the two calls I made one durring east coast buiness hours. 
I have not heard back from the email. I dont expect to. I asked for them to fix my report or send me the docs to fix my report and contact info of the most senior customer service employee so I could contact them. 
As a side note I am sending XXXX XXXX  a certified letter asking them to explain why they used that socre. Why they use Transuion at all and why they ran my credit score twice. I had applied for this card once before a coupla months ago they sent a letter said there was a problem. I called them and they refused to discuss it over the phone and said they could send me some paperwork. I said no ; and dont run my app if there is a problem. They ran it anyway. The second time ( this time ) they ran it and approved on the spot. Then a week later sent me a letter stating the interest will be extra high becuse of my Transuion score. Good news my card is on its way. I dont want a maxed out interest rate card. That does me no good and I wont use it. If I cancell it ; it will damage my score on the service I keep track of ; the one that updates correctly. Between a shady card company and transunion I will probably end up with a XXXX score instead of the XXXX I have earned. XXXX XXXX with transusion ... seriousl XXXX points diff form a far more accurate score?
Product: Checking or savings account

Hello this is my forth complain about this company! The response they provide my is not helping me because they are saying they are awaiting clawback from my back because I dont have any account with XXXX  XXXX XXXX anymore so there wont be any clawback from the bank because my account is closed so how will there be a clawback. So because there will be no clawback because this account is mine and it is closed and because they dont want to give me back my money so they said they suspect me of fraud and they know that my account is closed for real and there will be no clawback from my back because my account is closed so they can get to keep the money. There will be no clawback from my back so what are they gon na do I wan na know if they gon na keep my money forever??? Because there will be no clawback! My account is closed I cant even call the bank to tell them to make a disputed or clawback because I no longer have account with them. And another thing they are still investing my money I have proof on my email as well every minute I get a email saying my money is being invested so thats what they want they want to keep my money!!! So what will they do keep my money forever????? I want an answer to that.. because I cant give them my money like that!! Thats XXXX for XXXX sake!!! I need my money.
Product: Mortgage

HI, my name is XXXX XXXX and I had my mortgage moved from Rushmore Loan Services to XXXX XXXX  XXXX  in XXXX of this year. Rushmore owed me {$1100.00} for the balance of my escrow. They sent me a check a month later, and it bounced. I have called the company 5 times, send 5 messages on the secure message center ( marked as received and read by the company ) and the issue is not being resolved at all. 
The first two times I called in XXXX the associates told me " check is in the mail '' and the other 3 they tell me they will look into it then no-one gets back to me. Another associate told me they " read '' problem resolved. I finally called again on XXXX and the associate told me she saw nothing on the site and would get back to me in one day ( never did ). This has really been a terrible company to deal with over the last 4 years and I believe they have no intention to pay me what they owe after the check bounced. I don't know what to do. Thank you for your help. XXXX.
Product: Credit card or prepaid card

I have spent numerous hours Thankon the phone with XXXX credit card department and still have no resolution. My problem started in XXXX when I made an order for {$140.00} in merchandise. I promptly returned all the merchandise and made the payment for {$14000.00} because I was aware that my merchandise credit would not be applied in time. They denied that they ever got the payment. After about 5 hours on the phone, they connected me to their bank so we could trace the payment, Commity bank realized that they had applied the paymnet to the wrong account. I requested that they transfer the payment to the correct account but told they were unable to do this. I had to make a second payment to XXXX while I waited for a refund from commenity bank. 
The second payment was also applied to the wrong account and I was charged late payments and interest. Commity Bank reversed all the late charges and interest as a FAVOR to me. I have made a final payment to the XXXX account in the amount of {$59.00} They continue to re-add the late charges with interest. Communication with XXXX credit has proved to be futile, therefore I am hoping you can settle this matter for me. My credit is in the excellent range and I do not want any repercussions due to this matter. 
Thank you, XXXX XXXX
Product: Debt collection

XXXX  XXXX {$170.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX XXXX /XXXX  account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. 
I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MN XXXX TEL. 
XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX and XXXX is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False credit pulls on my credit report. 

1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card

Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.
Product: Vehicle loan or lease

XX/XX/XXXX vehicle was repossessed and redeemed. When I redeemed vehicle from towing company capital one hired the brakes were damaged. I almost got into a car accident because brakes were not performing. Notified finance company and they initially advised it was not their problem and that I needed to discuss issue with tow company. I escalated call demanding compensation for undue financial hardship after repossession. They offered to refinance the loan and promised to adjust towing fees on the principle once refinanced and that the adjustment would be made at end of new loan along with old extensions prior to XX/XX/XXXX refinance. 
No adjustments were made as promised at end of loan causing balance to be higher to payback and old extensions fees and were not included into new refinance balance making payback loan terms increase unreasonably. 

original term was XXXX  months paid XXXX  months into terms at time of refinance new terms XXXX as of XX/XX/XXXX amount to be adjusted at time of refinance to come off of balance due to brake issues from tow company {$430.00} at end of loan ( proof of damage attached ) New total loan terms with XXXX  months paid : XXXX XXXX XXXX XXXX XXXX  month extension in XXXX making loan maturity date XX/XX/XXXX no adjustments have been made as promised loan maturity date changed without consumer knowledge new terms online show XXXX  months maturity date XX/XX/XXXX ( company added extensions prior to refinance to new agreement without explaining terms )
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account 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 : SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/XXXX Someone issued a check amounting {$9500.00} to a certain receipient, not my own personal checking but it was the same account number. I didnt have enough balance in my account then so the bank transferred {$8900.00} from my checking plus ( overdraft protection ) to my checking account. When I found out on XX/XX/XXXX they asked me to close the old account and open a new account. They locked my old checkin account and so as my checking plus. Now I dont have access to pay the checking plus balance. I complained to them on how. An I pay the checking plus if they dont let me have an access to it. Their answer was dont worry it will be assessed after the investigation of the fraudulent check. I was still worried because I know for sure that it will also have compounded interest on it. 
Since I used this checking account for my taxes I went to the bank again on XX/XX/XXXX, I asked them again to allow me to withdraw at least my refund from IRS which they let me. At that time there was {$8800.00} left in my checking account after withdrawal. Again I asked them to give me access to the checking plus so I can pay what ever balance theyre at. But I got the same response nothing to worry it will be assessed after the investigation of the fraudulent check and what ever the interest will be it will be deducted. So I cant do anything but to obey. 
I kept following up the development of the investigation by going to another branch yet nothing happened. They advised me to call customer service which I spent hours before talking to a real person then as I started the conversation and told them everything and reason of the call they passed me to another person then to another person then to another. I was dribbled like a Basketball but never get to the ring. The last person I talked to from the customer service told me to go to the nearest branch and they need to re inverse all the interest and all the payment that was made since XX/XX/XXXX. ( In fact it should be from the time that they locked the account and I dont have access to pay ). She told me ( customer service ) that she will put an instruction note to my account so they can re inverse the payment. 
I went to the branch yesterday XX/XX/XXXX but all I got was stress. They told me they cant do anything because the checking plus is not a part of the bank but a different institution.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax Upon reviewing my Consumer Reports, I discovered some inaccurate late payments on an account for which I have always made auto timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], account numbers [ XXXX ]. [ XXXX ] [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide proof, I demand that these late payments be promptly updated to reflect as on-time. Please see attached proof of the inaccurate late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.
Product: Credit card or prepaid card

I was told by two representatives that the late fees would be fixed but then today I spoke to a manager and she told me the first late fee will not be fixed. I was charged a late fee for the month of XX/XX/XXXX. I paid the fee early in XX/XX/XXXX on XX/XX/XXXX. They took the payment as an additional payment and did not apply it to the next month because I paid the payment ahead. I was not aware of this when I made the payment. 
When I spoke to the manager they may have also been confused because I had also been told by representatives other reasons for the late fees. She did tell me they would only fix one. I will never pay Citibank early on my account now.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customers service and unfair practices, which violate the consumers financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulations. these actions have caused significant inconvenience and extreme financial loss that i wasnt able to recover, and i seek appropriate redress for these violations.
Product: Student loan

I am XXXX  XXXX. Navient cancelled my private student loans. Yet one private loan sits in repayment. I keep getting emails directing me to call Navient. I do not have a telephone, I can not " telephone '' Navient. It seems like Navient is just placing me in a XXXX. I have sent whatever documents have been requested, for a XXXX XXXX XXXX ( XXXX ) discharge. Yet I keep getting, emails requesting me to visit their website, to view bills. Zero updated response to my re-submittance of XXXX   documents. Why is Navient not responding, by acknowledging that they received my XXXX paperwork, more than once. That paperwork was mailed with the following tracking number ( XXXX ). Its status is delivered : XX/XX/XXXX at XXXX XXXX Delivered, Left with Individual XXXX XXXX, PA XXXX How many times must I submit XXXX   papers. I re-sent those documents on XX/XX/XXXX. I have that second tracking number buried somewhere, that reported its delivery. As mentioned, repeatedly, Navient has received and approved my private student loan total XXXX  XXXX cancellation. But still has one loan as past due within its system.

Navient knew one year ago that I had been approved for XXXX at the federal level, but, had me resubmit XXXX paperwork for my 2 private student loans, as if Navient did not have both Federal and private loans under the same account number. Of course Navient sent a Litigation Review Pending letter, which made Navient look extra-special. My account was placed on a XXXX  XXXX hold on XX/XX/XXXX. The day it received my certified mailing of its latest XXXX paperwork request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage has been paid off, I have a balance of XXXX this amount was sent to the end of my loan during the time of hardship years back I do not have the money to pay in full. The company has not answer me at all i am still making monthly payment but i do not see it being applied. I do not want to get charged any fees on thinks MORTGAGE LOAN STATEMENT STATEMENT DATE XX/XX/2024 PAYMENT DUE DATE XX/XX/2024 LOAN NUMBER XXXX AMOUNT DUE {$4200.00} PROPERTY ADDRESS XXXX XXXX XXXX XXXX, NY XXXX If payment is received on or after XX/XX/2024, a {$39.00} late fee will be charged. 
QUESTIONS? WERE HERE TO HELP. 
CUSTOMER SERVICE : XXXX Mon-Thu XXXX XXXX. to XXXX XXXX. ( CT ) Fri XXXX XXXX. to XXXX XXXX ( CT ) Sat XXXX XXXX. to XXXX XXXX ( CT ) www.mrcooper.com YOUR Dedicated Loan Specialist is : XXXX XXXX AND CAN BE REACHED AT : ( XXXX ) XXXX or via mail at : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX