23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called AmEx on XX/XX/24. They had an outgoing message reporting high call volume and suggested to call back at another time. After waiting on hold for several minutes, they gave an option to call me back later in the day. I selected this option and never received a call back. I called again today. I waited on hold for XXXX minutes. The agent tried to avoid canceling my card multiple times. Ultimately, they told me I would lose all card benefits ( statement and miles ) if I closed the card today. They will not set up a cancellation for XX/XX/24 and will require me to call back. 

I believe Amex is taking intentional actions to make it hard to close an account so they can continue to collect annual fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Mortgage

I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online and paid the {$3.00} requested to have my credit information freeze. Have already completed this process with XXXX ; However, Experian has place many obstacles in my way and making it impossible to establish credit freeze online! Help. 
XXXX XXXX XXXX
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 ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened or seen the credit card come to me from XXXX XXXX XXXX Credit Card. At the time they claim I had gotten card I was living in XXXX CA. I been living with my parents in XXXX XXXX CA. One thing has stopped the calls from XXXX XXXX because they can not legally track me to my parents house when they never gad the number in the first placr and my father told them quit persueing otherwise talk to our lawyer that stopped the calls but I still getting mail into my parents post office box if I was in XXXX where they say I opened credit how are they sending to a box in XXXX XXXX I didn't give it to them. I had no existence of the card or anything from XXXX XXXX until I noticed it on my credit report. I am in the process to taking XXXX XXXX  to Court for harrassment and turning in complaint to Experian and who knows the other 2 credit bureaus and I guarntee I will win I have probably over half of the lawyers in XXXX XXXX County that are personal friends back me up and ready to fight XXXX XXXX when I say so and I will go against Experian and the other 2 credit  monitoring companies if its not erased from my report and Experian knows the others I'm disputing too I am just starting with XXXX XXXX and then others will follow. I can not fix my credit if my disputes dont get resolved and I can't fix everything because I been a victim of Identity theft already and I am taking revenge as of now and will probably become rich in the process because I will win.
Product: Mortgage

This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
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 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a.

I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

* ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. 

Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. 
* XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. 104 % credit utilization. 
I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. 

I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. 

If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. 

If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
Product: Credit card or prepaid card

My card had a {$10000.00} limit on it and I got an email yesterday telling me that because I was not using all of my credit they were reducing my limit to {$5000.00}. I was being penalized for using my credit responsibly! Additionally, by reducing my limit they caused my credit rating to take a hit.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: 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 DeptEDXXXX Acct Number : XXXX ( {$0.00} ), DeptEDXXXX  Acct Number : XXXX ( {$0.00} ), DeptEdXXXX Acct Number : XXXX ( {$420.00} ) DeptEdXXXX Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 convictions of crimes which antedates the report by more than seven ( 7 ) 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: Payday loan, title loan, or personal loan

I accidentally opened an account with affirm.com online. My purpose was to get a credit quote, not open an account. To my surprise, when accessing my email, I found theyd opened an account in my name. I logged in to their website to close the account. The chat system would not let me close the account. I then called the designated telephone number for a live operator to close the account. I was kept on hold for over 90 minutes with their recording advising of unusually high call volume. 

They intentionally give no way to close the account and in my opinion, discourage me from doing so with extraordinarily high wait times. I do not want the account open, have no outstanding balance with them
Product: Bank account or service

I transferred money into the wrong account, I called Navy Federal Credit Union as soon as it happened ( XXXX EST ) and was told that I could not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting telephone numbers that do not belong to me. Experian refuses to remove these numbers. The last time i tried to get these unknown numbers removed was on XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Product: Student loan

I have been dealing with EdFinancial in trying to find out the specific forgiveness date of my student loan. I have been paying consistently on my loan throughout the pandemic and was granted loan forgiveness. The loan forgiveness date was granted at a time pre-pandemic. As I had been continuing to pay on the loan, I would like to confirm the amount that I overpaid and that is owed back to me. I would also like to be notified when that amount will be refunded to me. I have documentation from my bank on every payment that has been made to EdFinancial during the pandemic period. The EdFinancial site also states that my credit report will reflect that my student loans have a {$0.00} balance, yet they have also not received this information.
Product: Checking or savings account

Based on BMO Harris Bank 's promotion, I opened the checking account on XXXX and funded {$300.00} on XX/XX/XXXX. Then, in three consecutive months, my account was electronically deposited {$2600.00} every month as my payment, in total {$7500.00} the promotion required. I have completed everything they asked for, but I never receive the credit of {$350.00} as BMO Harris Bank promoted. 

XXXX, XXXX of XXXX I call them and my banked told me that I was supposed to see the credit soon. 

Weeks later, On XX/XX/XXXX, I had to call them again about my credit. The Lady answered my call checked My checking account again, said to me : I did see you have Direct deposit of {$2600.00} every month, and I will get this to promotion department and push this through the credit in your account. 

So far, I haven't received it. Obviously, they don't want to honor their promotion.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my XXXX XXXX : XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation with Experian and they didn't conduct the investigation and sent no results so after sixty ( XXXX ) days i submitted another since they had XXXX ( XXXX ) days to validate the debt this was what was sent through the CFPB " The most recent result summaries were sent to you for review on XX/XX/2023, and XX/XX/2023. '' I still have yet to receive these results at this point it has been XXXX days still no results
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with Experian already. Experian has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for Experian stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!
Product: Mortgage

I as I am sure other dont appreciate not being notified by mail, that the loan servicer has changed names or rebranded. In addition no instructions were sent to me to create a new online account at the new servicer company site. Its unprofessional and can cause confusion as to if in fact the new statement is legit or fraud.
Product: Debt collection

I previously filed a complaint about Regional Finsnce harassing me. I was sent a cease & desist form which I filled out & sent to Regional Finance. I put my number on the do not call list. This company continues to harass me with repeated phone calls, letters, voice mails. I received a letter from them today, & today I was contacted again by an XXXX number. I continue to block their number but they continue to call me from different numbers. This type of harassment should be illegal and it probably is. I want this harassment from Regional Finance to stop,
Product: Mortgage

Hello, On XX/XX/2021 my fiance, XXXX XXXX, and I bought our first house through Amerifirst Bank with a lender named XXXX XXXX XXXX. If due diligence was done the house would have never passed the safety standards of a FHA loan. One-third of the house was illegally built. That section of the house is so fragile that a structural engineer informed us that the master bedroom, bathroom, and closet could collapse during a storm. We have had to replace every major system in the house, including the entire drainage lines leading to the city, the the supply lines, the electrical, and we had to repair the HVAC. Parts of the roof are unstable as well. It also had mold. I later on got XXXX XXXX. This house is more then a money pit, it is a safety liability. As a seasoned lender he should have reviewed the documents and denied the loan on the house. He also didn't review county images which show that the addition does not exist in any official record and was built without permits or due diligence. I attached a document with the time line of events and the list of repairs that have to be made.
Product: Credit reporting or other personal consumer reports

Discover Card had reported me as being deceased and then corrected it to not deceased but now my credit history is only 5 months long and it should be 7 years. As a result, I'm unable to get a new credit card or obtain a FICO score.