23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX : Date opened is inconsistent. High balance is XXXX with equifax and XXXX with XXXX and XXXX. Payment status with Equifax is current. XXXX is " Paid, was past due XXXX  days. '' XXXX is paid as agreeed. Date of last activity is XX/XX/XXXX with equifax, XX/XX/XXXX with experian, and XX/XX/XXXX with transunion. This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. XXXX reports " XXXX '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. XXXX reports " XXXX '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Equifax lists account as collection while XXXX reports account as open. Last activity is inconsistent. Equifax reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. Equifax and XXXX report XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. Equifax and XXXX reports pays as agreed, but XXXX reports XXXX  days late. Date of last activity is wrong. Equifax reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please update my payment history to XXXX  status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to XXXX  status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte immediately.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1200.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$20000.00}
Product: Mortgage

I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX
Product: Credit card or prepaid card

Steps taken in an attempt to make a payment to Apple GS Bank Card. 

- Over 6 hours on the phone with customer service, customer service supervisors. 

- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. 

- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction - Inquired about possible auto-pay directly to GS Bank via home bank auto-pay - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to collections - Inquired about any other possible payment methods OUTSIDE OF creating another bank account - Spoke with manager as Goldman Sachs corporate office, said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, I was informed this will not be removed - Discussed options with a licensed attorney - Opened a dispute with XXXX  credit bureau
Product: Credit card or prepaid card

I am XXXX XXXX  - I am unable to access telephone customer service. Credit card companies ( and other companies ) email me regularly from no-reply addresses and often their accessible options only include phone contact. Please consider XXXX people and have banking services have alternate access ( apparently accessibility is only meant to help with blindness according the customer service representatives I have connected with )
Product: Credit card or prepaid card

I have been making payments into my account for years, and have never had a problem with payments posting to the account until now. I made three payments into this account last month and then again at the billing cycle and these payments come out of my checking account, but they do not count toward my minimum payment due. Despite paying over {$3.00} this month alone, they demand another payment of {$230.00}. They refguse to acknowledge the payments that I made already.
Product: Vehicle loan or lease

I called on several occasions to toyota support to remove the XXXX XXXX XXXX, the XXXX XXXX, which I have not requested to put me and they tell me that they do not remove that XXXX from my bill, they have given me the number of a company I called and they say that they do not see that is toyota, I called the dealer and they tell me the dealer that is toyota who sees that in the end toyotacial does not want to take responsibility nor the dealer either and I continue charging the XXXX  every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ).

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

The company failed to ensure money was being sent and received by the correct person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XX/XX/XXXX GM Financial ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by BP VISA . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

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

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : United Auto & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We had a car loan through BBVA Compass bank that was paid off in XXXX. The lien release was not received by either our state XXXX or ourselves and therefore the vehicle title still has Compass Bank as the lien holder. 
Recently the vehicle was totaled in an accident and the insurance company only released a portion of the funds until they had information that the lien has been paid off. When contacting PNC several times, they say there is no record of us ever having a loan. 
They have also refused to give a loan release letter or statement that we do not have a loan through them when requested by our insurance company or ourselves, and they continue to reroute us back to our state or their title websiteXX/XX/XXXXwhich also has no record of the vehicle. During one call they gave us a number that is " fax only '' to contact that " could '' help, but we have had no response to that request either. 
Both we and our insurance contact have spoken with them numerous times, we have also connected twice with our XX/XX/XXXXafter being told it was under their jurisdiction, but the funds are still being withheld, and our state XXXX directed us here. 
We have been trying to resolve this since early XXXX XXXX. The Accident happened XX/XX/XXXX and the amount that has not been released is roughly {$13000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I used to reside in XXXX XXXX North Dakota as I was struggling with my job I have this loan of {$850.00} from explore credit, I was paying back but unfortunately I loose my employment and was not able to keep up with my payment. and they keep charging my bank account until my bank stop paying them since there was no direct deposit from my employer. So struggle looking for another employment and explore credit stop billing me. I find a job in Maryland and relocate there where I reside now. when i get this job some of my creditor settle my debt with a reasonable amount that I honor and not receiving bill from Credit I understood that it was settle the same way my other creditor did. I was Suprise XXXX week ago when i received a text message stating that I have to pay them {$3900.00} in addition off the payments I made before being unemployed. I think it's unethical for me to pay this much for just a {$850.00} loan and I found that the interest is about 750 % which think is just too much. I need help stop them destroyed me financially and settle this account in a reasonable manner. 
Thanks for your assistance.
Product: Debt collection

For the last 3 months or so, I have been receiving calls on my home phone ( never leaving a message ). In XX/XX/XXXX, I received and answered XXXX of the calls. I was spoken to by a female who repeatedly asked my name, while not replying to my questions of why they were calling. After I heard XXXX of the questions was for an address that my adult son had lived at, I explained that I was not the person that they were looking for, and had never lived at that address. She then asked if I lived at the address of my house, to which I replied " Of course I live at the house that I own '', and asked her how she got my number. She stated that her collection company represents someone that is owned debt. I informed her that someone there needs to learn some simple investigative skills, and realize that they are calling the wrong person! The calls stopped for about 5 days or so, then started again. They call XXXX to XXXX times a day at varying times. Today on XX/XX/XXXX, I received a third call for the day ( once in a.m., XXXX, XXXX ), and I answered. I did n't hear anyone, so I stated " Welcome to XX/XX/XXXX, how may I help you? ". After no answer, I advised that I would be seeking legal action against them if the continue to call me, knowing that I am not the person that they are looking for! At XXXX, I called the number listed on the caller id ( XXXX ), and spoke with a man, too whom I gave my name and phone number to. I also informed him, that the companies undue harassment will not be tolerated, and that if it does not stop, I will seek to sue them. I explained that, I have lived at my address since XXXX, and obviously I could n't be the person that they are looking for as previously explained in a prior phone call ( since each time speaking, both repeated that the call was being recorded )! I also informed them that, as a retired XXXX XXXX XXXX, I have nothing but time, so they need to stop their unlawful action now! He just said that he understood. Somehow I doubt that they do understand, if all calls are recorded and not once does someone listen to them, or use any investigative, or deductive thought!
Product: Credit card

I made a payment to my credit card account today following the proper channels described to me from my prior incident back in XXXX. Yet again my funds are suspended and inaccessible to me for reasons unknown. Now I face penalties with other creditors for the 2nd time within a 3 month period. They take your money and lock it up for days without cause or without a reason and do nothing to help you resolve the issue. This card and this company are a liability to the everyday user and they need to be stopped. I don't understand how it's legal to suspend a customers funds for 3-10 days without cause, reason or explanation.
Product: Debt collection

This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to XXXX XXXX XXXX. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints XXXX XXXX XXXX then transferred the debt to Valentine Kebartas who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or XXXX XXXX XXXX. In response XXXX XXXX XXXX in complaint XXXX I specifically stated my opposition to XXXX XXXX XXXX that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from XXXX XXXX XXXX records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to XXXX XXXX XXXX or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which XXXX XXXX XXXX is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with XXXX XXXX XXXX. Valentine Kebartas and the aforementioned companies have violated 15 U.S.C.1692 et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, 15 U.S.C. 1692e ( 5 ) ; and Section 807 ( 4 ), 15 U.S.C. 1692e ( 4 ) ; Valentine Kebartas are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( quoting XXXX XXXX. XXXX ( XXXX ) ) ; see XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX. XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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