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

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with Preferred Lease. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I was approved by the salesman XXXX, I have this proof in texting he send meXXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted XXXX XXXX the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score XXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen XXXX inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into capital XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with capital XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our repeated attempts, numerous times daily, at all different business hours of the day and night, to reach Equifax, to comply with Equifax 's own instructions either online, by phone, or in writing, to place a Credit Freeze on our accounts have gone unanswered and ignored since XXXX XXXX 2017.
It took us only 5 minutes to complete this process on XXXX 's website and only 8 minutes on XXXX 
It is outrageous that this company continues to behave in such an unprofessional and cavalier fashion given the serious nature of this data breach.
Product: Vehicle loan or lease

We have a 20-year loan to purchase a recreational vehicle through XXXX XXXX . With the XX/XX/year>2024 payment, my husband sent an additional amount to be applied to principal. When he noticed that XXXX XXXX  had not applied the extra payment to principal but as an additional regular payment, he called the bank on XXXX XXXX, 2024 at XXXX and spoke with XXXX. 

XXXX s

tated that the type of loan we had did not allow for additional principal payments, and all overpayments were applied as future payments. There is nothing in our loan agreement that states we can not pay additional principal. Additionally, the individual in finance at the RV dealership who assisted us with obtaining the loan did not state we could not make extra principal payments even though my husband expressly told him it was our intent to make additional payments on principal. We would like to refinance, but the payoff amount seems to be the amount owed plus all interested that would be paid if we were to payoff the RV at the end of our 20-year loan and not the amount of interest currently owed.
Product: Credit card or prepaid card

On XX/XX/2023 I received an alert from my credit monitoring service stating I was 30dpd on a credit card. I knew this was an error as I have a 100 % payment history with all my accounts and a near perfect credit score. I logged into the service and saw it was Bank of America. I logged into my Bank of America account and saw I already had an autopay setup for the {$19.00} payment due ( total due in full ) for XX/XX/XXXX. As soon as I received the statement I logged in online and scheduled the payment. I have a $ XXXX line of credit with BofA and a {$19.00} balance. I immediately called Bank of America. My mind was baffled as a prime customer why I didnt receive a courtesy call and where was the statements?? I am enrolled in paperless statements and the one I received is the one I scheduled the payment for to be pulled on the due date. I did not get a paperless statement for the previous month nor a call. I was told a complaint would be submitted to upper management and the rep I spoke with had the authority to request the late reporting suppressed from my credit reporting. He told me it would take up to 30 days to update. Perfect, I thought this was resolved until I called the following weekend on XX/XX/23 to confirm the actions in which I was told took place was actually done. I was told by that rep that the conversation was notated but she doesnt see that the letters/dispute was entered. She consulted with a manager in which I was told she would process the request to remove the reporting and I would receive two letters via mail confirming so. I told them I was in the process of purchasing another home and how urgent this was. I was given credit bureau dispute number XXXX and SRA # XXXX. Now on XX/XX/23 to date I havent received the letter I was told would be sent stating theyve sent the request to remove the 30 day reporting from my credit reports. I called and spoke with a manager XXXX who proceeded to tell me the prior information I was told was incorrect that they cant send anything to me in writing and ultimately its up to the credit bureau if they update it and the decision was not in their hands. I educated him that Bank of America is the creditor reporting and theyll update to what theyre told and he told me this wasnt the case. This leads me to believe that all that was done was a standard dispute initiated and not a request to remove the reporting due to the negligence or system error on bank of Americas side. I asked for a higher level manager as I want it removed from my credit and for them to honor what was originally told to me on the first conversation on XX/XX/XXXX. Banks need to be held accountable to the information given and I shouldnt receive multiple different information from one rep to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit card

On XX/XX/year>XXXX Comenity CapitaI bank Alphaeon- charged my credit card an exuberant amount of interest {$1000.00} ( usury ) even though I had made payments way over to cover this deferred interest on : XX/XX/year> {$1200.00}, XX/XX/year> {$500.00}, XX/XX/year> {$1000.00}. 
What this company doesn't tell you when you take the credit out that took this credit card out " IS THAT YOU ARE SUPPOSED TO CALL AFTER THE PAYMENT AND ASK THEM TO APPLY THE PAYMENT TO A SPECIFIC CHARGE TO AVOID THE INETEREST '' I trust that if I made additional payments they would apply it to the charges that expiring... they do this to charge you exuberant amount of money. 

On XX/XX/year> I contacted the bank and they told me I never told them where to apply it..really I don't know or work for them. Here is the case # XXXX they created on this case. As of today I haven't received an answer.
Product: Checking or savings account

i opened a chase account and put XXXX down for a deposit. directly after i did that they locked my account and will not let me get my funds until i go down to the bank and show them 2 forms of id. the problem is i am XXXX and can not drive much less get to a bank. i have to do everything online. as a result of them holding my money inacurately i have also recieved NSF fees on my other bank account where i get my XXXX check. i have actually lost quite a bit of money because of their actions. thank you for listening XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, while on the trip to XXXX, the country was about to close its border due to the quarantine. Our return flights ere cancelled and i had to purchase another tickets from XXXX XXXX through the travel agency XXXX. 
I never received confirmation email from XXXX. Only two hours later, i received cancellation email from XXXX. I was then forced to buy another tickets from another company. 

But on XX/XX/XXXX i saw the 2x {$370.00} from XXXX on my Citi Card. XXXX was able to find my booking number, but told me to contact the XXXX to received either credit or refund. 
I called XXXX and they said they can not find any information about my purchase and there is nothing i can do. 

I then contacted Citi Cars to assist me to get refund, because i paid for services i never received. 
Citi Cards never asked me to provide any evidence and two weeks later sided with the merchant. 
My further attempt to contact the Citicard were fruitless, the number i was told to call by customer services is automated system that keeps kicking me out.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous of times and reporting discrepancies and my financial situation, Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collections that I did not make nor did I approve anyone to pull my credit report.
Product: Credit reporting or other personal consumer reports

JPMCB CARD reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. 

Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, High Credit, and Date Opened.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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: Consumer Loan

Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card or loan with a financial institution named XXXX XXXX  on XX/XX/year> using my SSN and other details without my consent or knowledge. i request this unauthorized hard enquiry to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XX/XX/XXXX ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXXXX/XX/XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.
Product: Student loan

I had my student loans through Great Lakes Student Loan Servicing. Starting in XXXX I began making loan payments. I am a XXXX and I contacted them about options. They told me about the Public Service Loan Forgiveness program and how I needed to get into the Income Based Repayment plan. I applied and started in XXXX in the program. For XXXX it gave me a payment of {$0.00} which would count toward the 120 payments needed. XXXX it was {$56.00} per month. XXXX it was {$250.00} per month. XXXX it was {$220.00} per month. And in XXXX it was {$130.00} per month. In XXXX I submitted paperwork to verify my employment which is needed to eventually qualify for Public Service Loan Forgiveness. At that point I received notification from Great Lakes that my payments would not count because my student loans needed to be consolidated through XXXX. I have since switched my loans over but I have to restart the 120 payments. This is going to delay my finishing my loans by 5 years due to XXXX not counting. Great Lakes never informed me that the loans needed to be converted to XXXX and this will continue to cost me substantial money.
Product: Credit reporting

This complaint is about the temporary lifting of a Security Freeze at TransUnion. In XX/XX/XXXX I established a security freeze at all XXXX bureaus. They have never been lifted. I have been very physically XXXX for over 3 years and require XXXX care. I especially need help to deal with matters such as this. In XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX CO destroyed 100 % of my home and belongings. Now my husband and I are trying to start rebuilding and as such need to obtain a construction loan. Using XXXX and XXXX web sites my husband was easily able to temporarily lift using my PINs for a date range starting now their freezes. The same attempt at TransUnion failed with a " system error ''. My husband has spent over XXXX hours on the phone over 2 days with more than XXXX different TransUnion people trying to get this fixed. Agents he reached were in XXXX and told him they ca n't fix the problem. They repeatedly attempted to transfer him to a " Special Handling Supervisor in the USA '' and it only sends him to a dial tone. He has gone thru this at least 5 times today. Each time he has to start all over with each agent with a litany of authentication and problem description. Finally he reached XXXX ( she said she was a USA Special Handling Supervisor ). She too could not solve the problem but could send some kind of paper document ( she said she had to print it ) to a " Maintenance Dept '' and that they will take 7 to 10 business days to figure out what is wrong and " hopefully '' fix the problem. This is no assurance that the problem will even be fixed nor will they tell us so in a timely manner. In the mean time we are stuck. When congress allowed the credit bureaus to create the Security Freeze process it was in response in part to the bureau abuses. Taxpayers and congress were promised that this would solve problems and be processed timely. Well, we needed to temporarily lift the Security Freeze NOW and TransUnion and their broken system that allowed a problem to get into my FROZEN credit file in the first place CAN NOT in a timely fashion make this happen. TransUnion has made it impossible for taxpayers to reach them in effective ways and also people who can timely fix problems with their system. They advertise and have sold a bill of goods to everyone that managing Security Freezes and Thaws could be done instantly on the web. This is clearly not so with TransUnion. This is causing delays at a critical time while we are already overwhelmed with problems. I repeat, TransUnion 's system will not allow us to temporarily lift a Security Freeze even though I have my proper PIN. You regulators need to take a closer look at TransUnion and why all of this is happening. Consumers are helpless to fix this and TU thwarts consumer 's efforts at every step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 Wells Fargo Health Advantage has failed to update my  credit report for my account ending in XXXX. They show I owe over XXXX. The account has been paid on time since XX/XX/XXXXand should show a balance of {$2400.00} of the initial loan amount.

They have been contacted and given authorization to discuss this with my spouse, and they refuse to.

They are in violation of the FCRA and negatively affecting my creditworthiness for years.

The reference # they gave me Ref # XXXX. 

I am trying to refinance and their bad reporting is make it difficult for me to complete this.
Product: Mortgage

Newrez, acting as a mortgage service company, erroneously placed Lender Placed Insurance ( LPI ) on my home mortgage loan, and in so doing attempted to force me to pay an additional {$340.00} monthly fee to cover the cost of the escrow they established to pay for the LPI. 

During my previous complaint against this company regarding this issue, they made numerous false statements, specifically producing letters they alleged were written and mailed to my XXXX XXXX insurance agent and myself, forewarning us of their intent to implement LPI. However none of these letters were ever received by my agent or myself. 

They continued their response to my CFPB complaint by saying they did not receive proof of insurance until XX/XX/year>, which was the excuse that was used to establish the LPI to begin with. After reading their response, I contacted the Newrez Insurance Compliance Department on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and spoke with an insurance representative on a recorded line ( see document attached ) that stated that Newrez received proof of insurance for this loan on ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. He also confirmed that the earlier proof of insurance that was mailed to the Newrez Texas address instead of the Michigan location, had also been received. So with this information, it became clear that Newrez had no reason to ever place LPI. 

Now as I continue to make my regular monthly payment in full and on time, Newrez shifted from charging me a monthly LPI escrow fee, to now applying late fees every single month. This is a result of my not paying their inflated monthly payment to cover the LPI escrow, which again should never have been created. So they are basically attempting to penalize me for not paying their inaccurate statement amounts. 

To compound the damages they have already caused by making me expend dozens of hours writing letters and filing complaints, they are now reporting false information to all three Credit Reporting Agencies by showing an inflated Past Due making it appear as if I am over 30 days delinquent even though they continue to cash my checks every month. This has caused my XXXX XXXX XXXX to plummet XXXX XXXX XXXX in one month, from a perfect previous score in XXXX XXXX XXXX. There is only one derogatory item on any of my three of my credit reports, and it is Newrezs false reporting in gross violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I want my loan and all my info because the ones I got have nothing