23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I XXXX XXXX from XXXX auto finance XXXX Texas. After making a couple of payments, they informed me that they had sold my car loan to Mid Atlantic Finance company. 
After two months, XXXX auto finance came and repossessed the vehicle because i owed {$610.00}. When i called them ( XXXX ) together with Mid-Atlantic, XXXX auto acknowledged that they have taken over the car from Mid Atlantic and that i should make payments to them. On the same day i called Mid-Atlantic and they informed me that they had sold the car back to XXXX XXXX XXXX and that if i have any questions i should direct it to XXXX. Following these conversations, i went ahead and made payments and was given back the car. I am current to date. From then it has been a nightmare. Mid-Atlantic finance has been calling me telling me that am late on car payments yet i have been making payments to XXXX XXXX. Today XXXX/XXXX/16 Mid Atlantic reported that am 60 days late but per their statement, i should make payments to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Vehicle loan or lease

Credit Acceptance Corporation repossed my car and l paid the car off all l owe was the Finance Charge after looking at the paper work, credit acceptance repossed my car XX/XX/XXXX and never mail me any paper work so l believe l was done with the car, now XX/XX/XXXX the court is garnishing my paycheck and l can not afford a lawyer to  sue credit acceptance, l believe the lender broke the law, can you help me
Product: Mortgage

I applied for a reverse mortgage to refinance an existing reverse mortgage and draw more money out of the equity in the house, due to increased market value. 

The company, XXXX XXXX, ordered an appraisal through a company that does their appraisals. I was pleased with the appraised value of {$250000.00}. Then I find out, that when it went to underwriting, the underwriters rejected the appraisal, saying it was incomplete and had too few comps. 

I was told I would have to pay for an additional appraisal of {$560.00}, because they could n't use the one they had. At that point I cancelled the contract. Now they want me to pay for an appraisal they ordered from their company that has no value to them or me. I am refusing to pay at this point. 

Thank you,
Product: Checking or savings account

I am writing to formally express my frustration and dissatisfaction regarding my recent experiences attempting to access my Robinhood account. Despite my repeated requests to update the phone number linked to my account, I have faced continual barriers that have left me unable to access my investments. 

On XX/XX/2024, I submitted a request to change the phone number associated with my account. This change was necessary due to change in cellular service for a new phone and it was meant to ensure my continued access to my account. I followed all the required procedures, including verifying my identity as per your guidelines. However, despite my diligent efforts and compliance with your protocols, my requests have not been addressed. 

Since my initial request, I have attempted to contact customer support multiple times through various channels, including the in-app support feature, email, and even reaching out via social media platforms. Each time, I have been met with responses that are either generic or fail to resolve my issue. Moreover, I have yet to receive any information regarding the status of my request, which has left me feeling ignored and undervalued as a customer.
Product: Credit reporting or other personal consumer reports

Experian. I have a freeze on my personal credit. I need to lift the freeze so a utility company can put service in my name. My log in to my Experian account now shows as invalid user/password. I have tried calling numerous telephone numbers to Experian to resolve the login issue and unfreeze my report. All numbers lead to an automated attendant that starts with an automated verification system that ultimately results in a message that it can not verify me and, therefore ; will not connect me to an agent. I need help to both fix my log in issue and unfreeze my report.
Product: Credit reporting or other personal consumer reports

XXXX is disclosing my nonpublic personal information and did not provide required opt out disclosures prior to. The company is also reporting transactions and experience between me and the person making the report, to credit reporting agencies. In addition, the Company is reporting late payments on an open end consumer credit plan and has not honored my request submitted to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. I have notified XXXX several times of these violations and feel that at this point the company is willfully violating : My Federally protected consumer right to privacy as well as other CFR and USC violations under Privacy Act of 1974 and the XXXX XXXX, 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( XXXX ), 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out, 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments ( a ) see attachments. 
Credit reporting agencies are in violation as well.
Product: Debt collection

XXXX XXXX XXXX calls me XXXX times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
Product: Checking or savings account

Dear Sir : I've been trying all dat today to close my Capital One 360 account and still no progress. I'm writing you because the customer service staff are giving me the run-around, transferring me, then I stat on hold. I've also written an email today. When I tried to go to customer service links or to certain links within my profile account, I keep getting silly little messages stating that Capital One site is having problems then it was the browser, etc! It really seems to me as there is a game being played on me & trying to stall me for some reason.

I only have XXXX in the account! Geez XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, EQUIFAX still refuse to remove the fraudulent accounts. I am now reaching out to the CFPB because I do not understand how Equifax still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Product: Credit card or prepaid card

XX/XX/2023 To Experian XXXX XXXX XXXX XXXX, TX XXXX To Experian on XXXX XXXX I sent letter request to have deleted JPMCB account number XXXX, from my credit file and also sent XXXX report letter, account delete and Experian report, see attached Please find enclose XXXX XXXX account number XXXX, delete letter Please delete XXXX account number XXXX from my credit file ASAP .and send me a confirmation letter and copy of my update file within 7 days Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.
Product: Credit card or prepaid card

There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I looked at my Equifax credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My data was breached all XXXX inquiries are not mine under the FCRA XXXX XXXX XXXX I demand that it be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because Equifax has refused to remove unauthorized hard inquiries from my report that been placed on my report by FRAUD. They removed 4 hard inquiries out of 8 ( eight ) that I disputed. I mailed letter to them as well with a copy of FTC report and all supportive documents. I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have violated my consumer rights by violating my right to privacy. Per 15 USC 1681b prior to the release of my personal information my written consent is needed, which I didn't not provide to them. Also, according to The Gramm-Leach-Bliley Act, any and all financial institutes are prohibited from disclosing personal information to third parties.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called Chase bank asking to reduce my credit card payments. After discussing some options Bank representative named XXXX told me that he will set everything up and if 3 months of smaller payments will help me. I was told that instead of {$520.00} I will have to pay {$340.00} on XX/XX/year>, then another {$340.00} on XX/XX/year> and XX/XX/year>. He made the payment arrangements and sent me an email confirmation with the new schedule ( copy of the email attached ). 
On XX/XX/year> first {$340.00} was automatically paid from my checking account. 
On XX/XX/XXXX I discovered that my credit score decreased by XXXX points because of a 30 day late payment. 
I called the bank, opened complaints, requested for the recording of the conversation and not sure if any of those is gon na help to fix the problem Chase bank created for me. 
I am a XXXX XXXX XXXX citizen with XXXX XXXX doing everything to make the ends meet and getting this kind of unfair XXXX. This negative change on my credit report is a life changing thing for me who had never ever had any missed payments in my life. 
This was 100 % misleading and misdirection from a Chase Bank employee and I am kindly asking you to help me fix my problem. 

Find attached the payment arrangement schedule, screenshot from my chase mobile account showing that the payment was made on the date it was scheduled and even the late fee reversal ( probably because it is not supposed to be a late payment ). 


XXXX XXXX
Product: Mortgage

Im filing a complaint against Freedom Mortgage for negligence.

The basis of my grievance is that Freedom Mortgage is responsible for a burden that prevents my family from purchasing a home and establishing ourselves in XXXX XXXX. My brother, his wife, and daughter moved to XXXX XXXX  from XXXX  a little over a year ago to be closer to family and more importantly contribute to the medical care ecosystem in XXXX XXXX. As a XXXX, he felt a sense of duty to work in this environment and help strengthen the quality of care available. Freedom Mortgage is servicing my current mortgage to which my brother is a co-borrower, and they have failed several times to record timely payments. The erroneous payment recording which is entirely their negligence has resulted in multiple negative items affecting my credit report and my brothers as well. It has been extremely stressful and quite costly for my brother to continue to rent while the real estate market and interest rates are on a gradual incline. Were only asking this mortgage service company to contact the credit bureau and withdraw the erroneous late payment reports as promised that they would and several representatives stated that they did. Weve attempted this for over 3 months now and every contact person from that company seems to have a different set of information. So far nothing is remotely leading to a solution, were just getting fragmented unclear responses and they insist that we take it up with the credit bureaux ourselves.
Product: Credit card or prepaid card

I noticed someone was withdrawaling cash from an ATM In XXXX XXXX from my account over a 3 month period. I called My bank Chase to let them know and they said they would investigate the matter. They also rembursted me for all 6 charges. Then soon after about XXXX to 4 days they took the money back leaving me without a penny and without a reason at all. I'm on disability so what I had in there was all I had. So I called and they informed me that I was denied because I lost my credit card and wrote the pin on the back of the card. All lies! I have the credit card it was never lost nor am I stupid enough to write the pin on the card. I tried and tried to tell them I didn't do it. I know they didn't investigate because it's an ATM with cameras!? It would show it wasn't me. And I have not been to XXXX XXXX in 8 yrs. I explained I'm a XXXX patient and on disability and that I needed my money. They could care less. It's so frustrating. Dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX total XXXX not including late charges, all from an ATM at XXXX XXXX XXXX XXXX CA. XXXX did not even try to help me, they basically called me a liar and lied to me why I was denied. Someone please help
Product: Student loan

I accidently made TWO {$200.00} payments in XXXX which nelnet happily accepted so I assume I owe NOTHING for XXXX since I'm ahead one month. I'd email nelnet myself and ask them but their customer service sucks and apparently only robots reply to emails.
Product: Mortgage

I am currently attempting to modify an existing XXXX mortgage ( HELOC ) that will be maturing around XXXX/XXXX/2016. The loan is currently serviced by Specialized Loan Servicing LLC or SLS. I 'm attempting to get an extension of the maturity date of the second mortgage since my home is currently underwater in order to avoid a foreclosure or short sale. In the 10 years I 've had this mortgage I 've never once been late, on this second or the first. I began the process of modifying/extending my second mortgage nearly 7 weeks ago with essentially no progress being made during that time, even though I have provided SLS with all the documentation they have requested thus far. I have sent them my pay stubs 5 times now, with each time SLS claiming they either did not receive them or claiming they were unreadable. I receive no feedback from my single point of contact when there is a problem with any of the paperwork, with the responsibility being on myself to constantly call them to status my paperwork. I do not necessarily have a problem calling them to stay on top of things, but the problem with SLS is that they do not answer in bound calls. When I call my single point of contact, XXXX ( Teller ID XXXX ), all I get is an option to arrange a call back. Call backs typically happen two days later, which results is big delays. The biggest issue I 'm facing is that as this process gets drawn out by SLS, paystubs and other documentation become stale and then needs to be resent. On Thursday XXXX XXXX I had my last conversation with XXXX, where she informed me once again that the paystubs I faxed in were hard to read. Prior to that, I had overnighted the paystubs at my own expense, with one time them being lost and the other them becoming tale due to the inaction of SLS in advancing my request. During this last conversation, I expressed my frustration with both her and SLS. She informed me that she is currently assigned over XXXX accounts/clients and does n't have the time to call me back or stay on top of my file. At that point, I requested a call back from a supervisor. As of today, XXXX XXXX I have still not received a call back from her supervisor. In addition, I have called numerous times requesting a call back from XXXX but have not received a call back from her or anyone else at SLS. I am growing frustrated and scared because my loan maturity is now only 4 weeks ago with no sign that SLS is capable of advancing my request. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my info and all the unpaid debts are on my credit. 

From XXXX XXXX. Not mine. Fraud
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681.And they violated my rights numerous times.

I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish this account. XXXX XXXX XXXXXXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.
Product: Vehicle loan or lease

Had a truck loan thru Ally Financial. Paid off my truck loan over a month ago, received my title two weeks ago. They refuse to update the credit bureaus. They update after each regular payment, but when you pay the loan off they say they are unable to update. I've already made several complaints, and have contacted them. They say it's broken, what could be broken. I'm not the only one going thru this problem
Product: Credit card or prepaid card

Macys stated that I called to close my account this is not True I never called to close my account. I only called Macys when I knew my card was not working and they informed me that my card was closed. Macys had No reason to close my card. Macy should have verified with me before closing my account. Macys and XXXX try to pull my credit when I have a security freeze They should have called me in my number and Verified if I did the Credit inquiries.but they did not. They violated my privacy act. The following are the Credit inquiry dates. 

XXXX XX/XX/2022 XXXX XX/XX/2022 2022