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

I had a joint mortgage account with my ex-husband with CitiMortgage, and noticed that my most recent XXXX credit report contains a late payment reported on XX/XX/2012. I submitted a letter to CitiMortgage documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided CitiMortgage with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with CitiMortgage somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which CitiMortgage required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to CitiMortgage was sent from my current address, but CitiMortgage will only send a response to my ex-husband 's address. CitiMortage has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.
Product: Debt collection

I received a phone call from XXXX that my phone said scams likely a woman asked for me by my last name to which I responded this is she she then asked me to verify my first name and my social security number. When I told her that I did not feel comfortable with that and asked what the call was in regard to she told me that she had news for me but couldnt tell me unless I confirmed my information. I stated again that I do not feel comfortable giving out my information and that I do not have any business matters with her company she told me then to call speedy cash so they could tell me themselves. She got extremely irritated and began raising her voice during this time. When I called speedy cash I was forwarded to their customer relations, who searched under my name and phone number and told me that they do not see that any phone calls were placed to me and that I do not currently and have not previously had any business with them and that scammers frequently use their company name as a way to try and get peoples information. She then referred me to ftc.gov to report this as fraud.
Product: Credit card

I made a payment on the XXXX and they re refusing to release the payment. They wont release it till after my statement is due which is going to hurt my credit score.
Product: Student loan

Two days after the broad student loan forgiveness was announced, I called my current student loan provider, XXXX, to get a refund of the payments I made during the pandemic. They calculated the payments to be a little over {$10000.00} and confirmed they can refund the amount. 

A week later I called back as instructed to check on the status of my refund and the representative assured me that it is being processed. 

A couple weeks after that I get a refund in my account of {$100.00} rather than the $ XXXX that was initially confirmed by the representative I was speaking to, which prompts me to call back to inquire about the remaining refund amount. I was told for the first time that they are unable to refund loans that were paid to my previous servicer so I will need to contact them, which I promptly did. 

From there I was sent back and forth between loan servicers multiple times. Both promising they can refund and when I call back due to inaction, both pointing the finger at the other, with the representative having no real information. MyFedLoan kept telling me they don't have any record of the loans I paid off with them. 

I was finally escalated to a supervisor with MyFedLoan who told me that my previous loans are in the middle of being transferred to XXXX, she told me she thinks my refund request triggered that action. When I called XXXX with this information, I was promised a {$1000.00} refund and when I called back about that a week later I'm told there is no record of that refund on my account. 

I have called MyFedLoan numerous times to reinstate and refund the loans I paid off during the pandemic. MyFedLoan refuses to reinstate and refund the loans I paid during the pandemic, which I am entitled to do under the CARES Act. Their reasoning is that they do not have any record of the loans that I paid off, despite providing me with the records. 

My current loan provider says they are unable to refund any payments made to my previous servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is hurting my credit report, I have being denied credit because this error. XXXX was reporting late payment when I overpaid on purpose. I was told XXXX to XXXX it was lapse of payment, I overpaid and they didnt recognize. The payment is only {$2.00} and I paid {$6.00}, to cover 3 payments in the future of the payments. Below is a screenshot showing XXXX XXXX to XXXX XXXX. I was never late and its illegal to report this inaccurate information. I overpaid because I was was in the hospital after being diagnosed with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received the notifications and also I have been checking my credit report almost every day through credit karma and various other banks that I deal with. I saw a hard credit check on my report which I am not aware of and I didnt authorize to run the credit check. The hard credit was made on XXXX XXXX, 2022 by SYNCB/TJX CO DUAL CARD. I want to dispute this hard enquiry and hence request to remove it from my credit report. I placed a credit freeze after this incident so to avoid such cases.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$10000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Money transfer, virtual currency, or money service

Fraud/Scam. 

An amount of {$39.00} was applied to my account each month to assist in relieving my student loan debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 

2. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXX to purchase furniture in XX/XX/XXXX for approximately {$2400.00}. I had been making monthly payments of {$160.00} and the account was in good standing. I hadn't checked my balance and realized in XX/XX/XXXX that the loan was paid off in XX/XX/XXXX and had made 5 overpayments. This gave me a credit balance of {$930.00}. When I realized, I called them and asked for a refund check of the overpayment amount. I was told that a check would be issued and could take 7 to 45 days to issue. I thought that a bit strange but given my good standing with the account, assumed it would be closer to 7 days. I followed back up at the end of XX/XX/XXXX when I saw that my account still overpaid and had not received a check. I called again on XX/XX/XXXX and was told that a check was not set to be issued and that I would need to call back AGAIN on or after XX/XX/XXXX. I escalated to a supervisor. After being hung up on twice after being put on hold, I finally got to a supervisor. The supervisor told me that based on my account history/status and poor service experience, she'd make sure a check was sent out right away. Two weeks later ( today, XX/XX/XXXX ), I still have not received a check. I've called back to get a status and have been hung up on twice by the representatives after putting me on hold. When I called back a 3rd time, the representative ( XXXX ) put me on hold to get me to a supervisor only to come back on the line to say that their " system was having problems '' and she couldn't transfer the call and that the supervisor ( XXXX ) would call back immediately. He didn't call back. This is the worst experience I've ever had with a financial company and simply looking to get back my money. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Credit reporting or other personal consumer reports

My agent told me that they could not get my credit report from Equifax. I logged into my Equifax account and found that it said we are temporarily unable to provide your credit score. I tried to contact Equifax and the customer representative said that it was because I needed to update my driver 's license information. I submitted the new driver 's license information on XX/XX/XXXX. But I still can not get my credit report until now.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I tried to purchase a XXXX XXXX XXXX Premium from XXXX XXXX XXXX in XXXX. A few days to the start of the first monthly payment in XX/XX/XXXX, I discovered that the purchase contract and the warranty contain significant material misrepresentation. Knowing that the mileage largely determines the price and the value of the car, XXXX, the finance department staff, reduced the mileage of the car from XXXX, XXXX miles to XXXX. XXXX miles. Then he inflated the price from the listed price of {$13.00}, XXXX to {$17.00}, XXXX. I informed Ally Financial about it by phone and in writing. They advised me to contact the dealer and work with them to fix the errors. 

When I contacted the dealer, they first apologized for it and promised to fix the errors and send me a new contract for me to sign. I waited for the new contract but it never came. I, visited the dealership 3 times to get the new contract but they did not commit themselves to doing it. So, I returned the car to the dealership. I updated Ally every step of the way and they told me they had made a note on my account. Ally later closed my account and I filed a dispute with my bank for my {$2000.00} down payment from the dealership, which was later refunded. 
However, for some reason, Ally reopened the account to make it look like I had financed a car with them and I am not making payments. I filed a dispute with XXXX and the account was closed. Again, Ally opened the account. This time around, claiming I owe {$16.00}, XXXX trying to make it look like a case of repossession but it is not because I was the one who returned the car and the keys to the dealership and requested my down payment, which was paid and the account was closed. 
This bad-faith behavior by Ally Financial has significantly jeopardized my XXXX XXXX and overall credit health. In fact, the last time they reopened the account, my score dropped by XXXX points. Clearly, this is not doing good business. I believe I deserve a compensation from this dishonest behavior by Ally Financial. I need your help with stopping Ally from continuing to use my information to report negative information on my credit report when they know very well that I do not owe them. Thank you.
Product: Credit reporting

Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I dont live at 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. Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681s-2 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 am submitting this complaint against Experian Information Solutions Inc. and there is no third part involved. I did not consent nor authorize you, Experian Information Solutions , Inc to report or furnish these inaccurate and misleading items. You are infringing on my right to privacy which you are not privy to do so therefore this is a violation of the privacy act of XXXX. I do not have a contractual obligation with your company therefore you must delete and update these alleged late payments. I do not give you permissible purpose to furnish these late payments and I prohibit you from doing it in the future. The first complaint was ignored, and this is the second attempt. 

Experian Information Solutions , Inc has been sent two notices over 60 days regarding late payments, yet they still remain on the report. I have attached and provided two letters that have been sent along with the two Certified Mail Receipts that are STAMPED for proof that you have received both letters and still have not updated the account. The first letter is stamped and received for XX/XX/XXXX and the second for XX/XX/XXXX. All proof of identification has been provided to you along with a utility bill also showing proper information. Experian Information Solutions Inc. has not provided me with verification method to " verify '' said accounts with exhibits provided or a copy of written consent and written instructions to furnish these fraudulent and inaccurate said accounts. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 USC 1681 ( a ) ( 4 ) and is a violation of 18 USC 1028A. Several laws have been violated which are listed below : 15 USC 1681b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681 SECTION A states I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681i ( a ) : You must complete this reinvestigation within 30 days of the receipt of this letter. 

All proof is attached documenting everything!
Product: Mortgage

In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater.
Product: Debt or credit management

The Consumer Financial Protection Bureau ( CFPB ) announced on XX/XX/XXXX that {$1.00} XXXX is being issued to XXXX XXXX consumers who were charged unlawful upfront fees or deceived by bait-and-switch advertising by major credit repair companies XXXXexington Law and XXXX XXXX
Product: Payday loan

Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to request a correction to my personal information on my credit report, as the inaccuracies are causing issues with my credit applications. This has been extremely frustrating and is creating unnecessary obstacles for me.
Product: Checking or savings account

I want to find out if my husband and I were impacted by Wells Fargo 's illegal practice of opening unauthorized accounts. All the resources say to check our Wells Fargo bank account for unusual activity. But the problem is we are no longer a Wells Fargo customer, because of their unusual and seemingly illegal activities on our bank account, we changed banks several years ago. I contacted Wells Fargo to complain about their practice of taking funds out of our checking account several days prior to the authorized date, causing our account at times to be overdrawn. Especially when they took our mortgage payment out 3-5 days prior to sending it to the mortgage company. I asked repeatedly what were they doing with our money during that period, were they investing it to make money off of it? They gave me all kinds of vague answers saying it was perfectly legal and they wanted to ensure I would have the funds available and this was their way of ensuring that. After months of frustration and unable to stop them from taking our money out of our account unauthorized, first we stopped using their online banking to authorize certain large payments, then we just changed banks. But I believe strongly that the money they were deducting from our account may have been used to set up unauthorized accounts. Can someone assist me with how to research this since I no longer even have an account with them, and we did not have paper statements from them from that time period? Thank you!
Product: Vehicle loan or lease

Wells Fargo repossessed my XXXX after I had made payment arrangements with them.
Product: Credit reporting or other personal consumer reports

Just got credit report cleared. Company has filed another delinquent in XX/XX/23. Car has been paid off for over a year. They just cleared the last delinquent and they have filed another. Fixing to seek legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my complaint is against Trans Union and XXXX. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

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

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX  to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed accounts. 

XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX 4. Amazon 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 IL XXXX
Product: Credit reporting or other personal consumer reports

I called the credit reports, and I was asked to fill this out in order to remove hard inquire
Product: Credit reporting or other personal consumer reports

Experian Credit reporting agency is now only showing one credit card company, XXXX XXXX. The last update shows only XXXX card. Company paying down my debt. In the past 60 days there has been no new charges and all payments were made early and well over the min amout due. 
I not only have had points taken away for hard inquiries but also usage the over 30 % rule. 
How can I ever get back points taken if the cards nolonger are showing up on my report?