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

They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/XXXX i need help.
Product: Credit card or prepaid card

XXXX keep lying and refusing to give the sign-up bonus I deserve. 

XX/XX/XXXX - I opened a XXXX XXXX card and met the spending requirement for the sign-up bonus. American Express sent XXXX points to XXXX as the sign-up bonus, and they confirmed this several times in few inquiries I have made. 

XX/XX/XXXX - I contacted XXXX to ask about this, and they opened a case and asked me to wait 2 weeks. 

XX/XX/XXXX - They sent an email that I didn't meet the spending requirement. I called Amex who said that is not true and they already sent the points. I chatted XXXX and they opened a case for this and asked me to wait 2 weeks. 

XX/XX/XXXX - I contacted XXXX again and they updated the case and told me wait 2 more weeks and there was no follow-up for this. 

XX/XX/XXXX - I finally conference called with both XXXX and Amex together because XXXX is refusing to give points for no reason, and they agree that I deserve the points. They said wait for 7-10 days to get it resolved, and offered some points for compensation. 

XX/XX/XXXX - I still didn't get any points ( even the compensation they offered ) so  contacted XXXX again. They said they updated the system and the case should be updated. Also told me wait more. 

They are refusing to give the sign-up bonus advertised and keep lying that the issue will be resolved soon. I patiently waited more than 4 months but it seems like they are mishandling this issue.
Product: Student loan

I have tried many, many times to get in touch with Mohela to ask questions about how they have my XXXX loans documented on their website. 

I can never get through to them. Their hold times are impossibly long, and they do not reply to messages, despite saying any message will be replied to in XXXX business days. 

If Mohela can't handle the volume of phone calls or messages, they should not be in this business! 

I need information about my loans. I pay on time, and I need to know everything is being accounted for correctly. It is impossible getting in touch with Mohela!
Product: Credit reporting or other personal consumer reports

I am writing to report a serious issue with Nelnet, my student loan provider. Nelnet has incorrectly reported to the credit reporting agencies that I am 180 days late on my payments for XXXX. However, my student loans were forgiven in XXXX, so this report is inaccurate and misleading. This erroneous reporting has resulted in a XXXX drop in my credit score, significantly affecting my financial stability and overall livelihood. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under Title VI of the Consumer Credit Protection Act ( 15 U.S.C. 1681 et seq. ), which mandates that all information reported to credit agencies must be accurate and complete. The incorrect status of my loan payments is not only damaging but also a clear breach of these legal requirements.
Product: Debt collection

I have a contract with Conns Furniture which I was past due because my finances didnt permit me to pay. I called called them yesterday, XX/XX/2023 because I saw online an option to make 2 payments of half my regular monthly payment of {$97.00} to bring my account current. I was told I could do that, but a manager gets in the phone and says if I can pay {$290.00}, they would match the payment and not only would my account be made current, but my next payment wouldnt be due until XX/XX/2023. I borrowed money to take that optio. I was not sent a receipt or copy of agreement as promised. I checked my account today and saw Im still past due. I called back and was told I am still past due. It wouldnt make sense for me to pay almost {$300.00} vs paying {$97.00} to become current. They flat out lied. I asked they contact the manager and representative who made the deal since everything is noted and they said no. I asked to pull the recorded call and they said no.This company committed fraud to get me to pay more than necessary to bring my account current and never honored their end. I need help resolving this matter ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to Experian is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. Equifax also is reporting this account open when this account has been closed since XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

it is not legal for someone to place a hard inquiry on your credit file without specific permission to do so,... I am seeking Punitive damages must be both reasonable and proportionate to the amount of actual damages to the consumer. The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims.. They are unauthorized hard inquiries on my credit 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 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 XXXX XXXX XXXX  I have wrote to the credit bureaus and send in my driver license Proof of identity so at this point this needs to be investigated.
Product: Debt collection

In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from XXXX XXXX about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.
Product: Mortgage

Guild Mortgage has reinserted an inaccurate XXXX day late payment on my credit report after removing it in XX/XX/year>. It was removed after a direct dispute sent to Guild via certified mail. Recently, I received notification they have reinserted the inaccuracy on my credit report. The issue at hand is that Guild billed me twice for homeowner 's insurance. This caused my monthly payment to ballon. I contacted Guild to get everything sorted out and also made them aware that payments will continue to be made while things are sorted out. 

It is sad that they have reinsterted this accuracy that had been correctly removed in XXXX, to further adversely affect my wife and I 's credit.
Product: Mortgage

Please see letter attached that my Attorney sent to you and PennyMac Loan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Product: Payday loan, title loan, or personal loan

I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest.

Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}
Product: Credit reporting

I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being taken advantage of by transunion, XXXX and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

yes, I have reported the fraud transaction over the phone and I have also called over the phone the second time to get an update. the person just told me just to ignore the transaction and just wait until it's reviewed. Im getting no updates about my fraud case and i still see it posted on my account XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$990.00} XX/XX/2021 XXXX XXXXXXXX IN DISPUTE {$370.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$1500.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I'm starting to feel worry because i don't want to be response for them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from JPMCP CARD SERVICES on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.
Product: Credit card or prepaid card

On XX/XX/2018, two fraudulent charges were made on my JP Morgan Chase Reserve Card, through XXXX XXXX, each one for {$400.00} USD totaling {$810.00}. Chase refused to acknowledge these charges as fraudulent. I've since filed complaints with the XXXX XXXX XXXX, XXXX XXXX   of the State of New York, CFPB, XXXX XXXX Police, XXXX XXXX XXXX XXXX in the XXXX, NJ Department of Justice, Local Police in XXXX, NJ ( where I lived at the time ), XXXX, The US XXXX in the XXXX, XXXX Internet Crime, and The XXXX XXXX  of XXXX, and my local XXXX. 

I have investigated this case with the assistance of some of the aforementioned entities for the past 4 months since JP Morgan Chase refused to do so. Chase, by law, is required to cover everything over {$50.00} for a fraudulent transaction. Before I file a lawsuit in small claims court, I would like to give JP Morgan Chase the opportunity to obey the law and give me back my stolen money. 

Incidentally, at approximately the same time, my XXXX account and Chase Private Client Checking account were also hacked, along with two of my emails and other accounts. Both XXXX and Chase recognized these as fraudulent transactions and put the stolen money back in my accounts, yet Chase refuses to acknowledge the two credit card transactions as fraudulent?
Product: Mortgage

I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

" I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ''
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I saw that you were being sued by the CFPB for {$15.00} XXXX due to violating my rights per the FCRA! I am writing AGAIN to dispute inaccurate information on my credit report. I noticed an account that is reporting incorrect details, and I believe this is harming my credit and unfairly affecting my financial future. 
I feel like my concerns havent been taken seriously, and I need this fixed immediately. 
Please investigate this thoroughly and update my credit report to remove the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  Previous XXXX  complaint id # XXXX has been solved. On XX/XX/2023 after I uploaded my court orders into the XXXX system Equifax corrected the problem on that issue. 

However, XXXX, there is a new issue that Equifax refuses to correct. I am unable to create an My.Equifax.com account. 

My account come up as a no hit meaning my file can not be located or seen. 

The reason I am approaching this issue with the XXXX, is because Equifax has refused to fix the issue. 

I called into equifax 2 days ago ; and the Equifax agent XXXX XXXX asked me to resend my court orders again. XXXX XXXX XXXX said he will call me back inside if 24 hours. XXXX XXXX never called back. 

XXXX, I will be loading documents on this platform for Equifax to view. 

I ask the Equifax remove the blue tag from my file and allow me to see my file using My.Equifax.com Everytime I call into Equifax, they ask me for the same exact documents everytime. It appears their departments are not communicating with one another properly. 

As my file is coming up as no hit across all platforms It is impairing my ability to be validated on other platforms such as SSA.GOV and has impacted me severely in many aspects. 

XXXX, I would like to have access to my file on My.Equifax.com enclosed are documents necessary to validate me. please see attachments and ask Equifax to lift all restrictions on my account. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, equifax and XXXX I would like for my late payments that you put on my credit report to be reversed to on time payments. As soon as possible.