23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To Whom It May Concern In summary : Leased the car XXXX XXXX with the promotion of one month free ' I noticed that I did not receive my my Free promotion month and contact XXXX financial center on XX/XX/XXXX. 
After several phone conversation with the customer service /manager I was told that we will look into it and I should not be worry and any over payment will be refunded I asked instead of sending check please just transferred the money to my new account since I was in process of purchasing the new car from the same company When I returned the car and lease the XXXX XXXX XXXX I was under impression that that i have credit to my contact On XX/XX/XXXX I received notice of late payment Immediately called, after 1.5 hours being on phone finally spoke lady on Resolution center ( I have name Not have name with me now ) explained the situation She apologized about wrong information and suggested to pay all balance now ( and they will look into over payment on XXXX car since two account are completely separate ) and assured me several times that It wont affect my credit. ( Hope there is record of our conversation ) She also kindly removed late fee. 

I paid total amount same day Without exagerbation for last 9 months I was on phone more than 20 hours. ( I had to take day off two days to stay home ) Everyone giving me same info and no one returns the call at all. 
few days ago I was told they would honer promise of lady about XXXX payment but somehow It took several days for my payment to actually get into my account ( Dont know How could I Know that or being responsible ) on same day I spoke with XXXX XXXX ID XXXX and faxed info ( he was supposed to call back? ) So far problem was only money but After 23 years I found my dream home .In processing of getting loan I was told My credit score of XXXX dropped to XXXX XXXX I got panic thinking of fraud or ID thief but actually it was for REPORT OF 2 LATE PAYMENT FROM XXXX. 
One from XX/XX/XXXX ( as was explained above ) and second One for XX/XX/XXXX -For XX/XX/XXXX I paid on time ( actually earlier ) but there was XXXX Miscellaneous ( tax ) so by error they took my payment for that XXXX $ and the report me for late fee ( this one they admitted was error but it will take 30 days for processing ) None of them was communicated to me. 
In my whole life never being late for any payment As a XXXX I am not familiar to law but I trust the law to protect people from wrong doing of big company The owner of my dream home accepted my offer but can not wait months to resolve my credit issue Please help me they are not even return my calls I will be more than happy to answer any question or providing info If needed it Thank you for your consideration Sincerely XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
Product: Credit card

I purchased an XXXX XXXX on XXXX XXXX, XXXX with my American Express Blue Card ( No. XXXX XXXX XXXX ). It proved almost immediately defective. I shipped it back to be repaired. The company billed me {$83.00}. I disputed this claim as the product was clearly defective. American Express agreed and reversed THAT charge. However, after an airplane flight early in XXXX the product proved defective yet again. I gave up on it as XXXX XXXX refused to fix it. I filed a dispute with American Express to get my money back ( I bought another XXXX from XXXX which has worked fine for over a year now ). 

The defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Original Creditor XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XXXX XXXX 2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Student loan

National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXXXXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting

EXPERIAN Investigation Results XXXX XXXX : XXXX Student Loans Credit Reporting CFPB Complaint Number XXXX Dear CFPB and Federal Reserve : Per results of the investigation initiated via CFPB web portal. The results of EXPERIAN investigation concluded nothing and response was not provided with CFPB complaint number. 
EXPERIAN continues ongoing disrespect and disregard for the Fair Credit Reporting Act, consumer protection, CFPB regulation of consumer reports, examination and compliance. 

Due to EXPERIAN willful non compliance. The CFPB dispute resolution process was not fulfilled. 
EXPERIAN may lose XXXX dollars as a result of continued non compliance and boycott of this agency by consumer creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services LLC incorrectly reported my credit card as being 30+ days late in the month of XX/XX/2021. Their own records reflect that I made 2 payments in XX/XX/2021 ( One of which was the XXXX payment ), a payment on XX/XX/XXXX, and another payment on XX/XX/XXXX. I have repeatedly notified Discover Financial Services LLC who admits the information is incorrect, but repeatedly reports that they will not willingly remove the information from my credit report. They have been given over 60 days to correct the issue but willfully refuse to remove their fraudulent reporting, despite several communications from their agents admitting this was done in error. I have requested multiple times that I be contacted by a manager or supervisor and they again refuse to do so. They are well aware of the problem, but refuse to rectify it. I have attached a copy of a communication from Discover 's agent admitting my account was never late. I have also attached a copy of a screen shot of Discover 's website proving my payments were made frequently and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX APPEARS ON CREDIT REPORT, and should not be there. I tried to dispute online and system kept reading error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Equifax, and XXXX credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.
Product: Mortgage

This loan complaint is with Broker, XXXX XXXX and XXXX XXXX not XXXX XXXX  XXXX due to not getting the denial letter that XXXX XXXX XXXX  stated I should have received from broker.This complaint is for Nexa Mortgage and not XXXX XXXX XXXX. XXXX XXXX XXXX. or XXXX XXXX did not provide a denial letter from that I just received from XXXX since XXXX. XXXX stated XXXX should have mailed me the denial letter on XX/XX/XXXX. I did not get from Broker or Lender during processing of the loan. Nexa Mortgage was the company that caused the delay of loan process with results of not providing a denial letter from XXXX XXXX. 
I received a memo from XXXX XXXX ( Director of Consumer Complaints in reference to CFBP-Complaint No. XXXX on XX/XX/XXXX of my first notice of being denied in XX/XX/XXXX. I did not receive a letter also from Nexa Mortgage company dated XX/XX/XXXX and XX/XX/XXXX stating my loan was denied due to excessive obligations in relation to income. 
This is the first memo I have received to confirm that I was denied effective XX/XX/XXXX. The broker informed me that I was not denied and did not have it in writing. I filed a CFPB due the communication of the loan process that caused me to try another Loan Officer and spent more money trying to get loan approved. XXXX XXXX XXXX and XXXX could have notified me before the dual deligience deadline that did not have all that was needed and waited until the end of signing of the contract to ask for more money for the loan. I was informed I only needed {$6000.00} gift money and my husband had sent them {$6000.00} gift that was asked and all I needed. XXXX XXXX also asked me to opt out of school loans to have no more debt which she also received that left no other debt. My husband was not on the loan and was requested at closing contract and he did not want to be on the loan. It was the most unsuccessful experience of last minute communication during the loan in process that caused me to lose my earnest money. I will report and follow up with XXXX that this was the first loan denial letter from XXXX XXXX Mortgage and nothing from Broker or Loan Processor that I received in writing effective XX/XX/XXXX. Today I have no more debt and will not use a mortgage company due to the circumstances of losing my money with no will of my own.
Product: Student loan

I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquiries reporting. 

Here are a list of the unauthorized inquiries that are being shown on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We signed up for a solar panel system. The system was installed but has never worked. We paid several months worth of payments while waiting for the system to be functional. We owe {$100000.00} on a system that does not work, no company- either XXXX or XXXX XXXX will provide techs for warranty work, we are receiving no electrical credit from the power company, and the company we bought the system through withheld the promised rebates, lied about several aspects of the system, and went bankrupt leaving thousands owing money on junk that is worthless. Goodleap is aware of the systems not working and have been contacted by attorney generals in other states but continue to harass us by phone and showed up at our house today. They are threatening legal action but no one cares that it is for a system that doesnt work.
Product: Mortgage

On XX/XX/2023, I spoke with 3 different reps at Loan Depot asking why my mortgage increased from {$1800.00} to {$2300.00}. They all told me my taxes and insurance increased. When I asked for proof of my tax increase, they said it was an estimate. My insurance did double, but it still does not constitute increasing my payments {$490.00} per month. 

The rep said an analysis was mailed to meet, but I never received anything. 

I was told that they had to " loan '' me money to pay for insurance, but that I have a positive balance in my escrow account, approximately {$2300.00} after they paid my insurance for the year. I could not understand why my taxes and insurance increased almost {$500.00}, I have a positive escrow balance and they have no idea what my 2nd installment tax bill will be. 

Loan Depot said the {$490.00} will stay in place for 12 months. That's {$5900.00} in addition to what I'm already paying into escrow for taxes and insurance. 

I requested to have my escrow removed and that I would pay in myself. I was instructed to email a wet signature request. I confirmed that I would be receiving a check for the {$2300.00} plus the escrow paid on XX/XX/2023. The rep said it would take 30 days. I emailed the request on XX/XX/2023 and loan depot acknowledged receipt. Approximately 2 weeks later, I received a letter denying my request because my XXXX must be at 65 % in order to remove escrow. Bottom line is that I'm a first time homeowner, I've been in my house for a little over a year, 14 months and my mortgage went up an additional {$490.00} based on a guessed 2nd installment tax bill. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grants me the right to request the removal of fraudulent or unauthorized information as a result of a data breach. 
The following accounts and inquiries have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : 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 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
Product: Debt collection

Kohl 's Credit Card makes it difficult to pay your bills without your actual card. I misplaced my card in 2019 due to taking care of my XXXX XXXX. I always called to make payments, but numerous times I was put on hold by XXXX for longer than 15 minutes. When I tried to call corporate, I was not able to get through since I did not have my card number. By the time I ordered my replacement card, my bill was reported late 30 days. This happened again the following year. 

They also make it difficult to log into your portal online as they have a Credit Rewards program and a Kohls XXXX XXXX which look eerily similar but do not link each other 's information. On top of this, I never received any bills notifying me of the payment nearing a late charge.
Product: Debt collection

I hired safe lite to replace my driver side window. They did. Poorly. As I had to go back. 

I had to pay in full. You cant receive the service without paying. 

I have a bill from XXXX roadside. On XX/XX/31 for XXXX Never used that service nor have I heard of it. 

Some weeks ago I receive one single letter on Friday that I have by Monday to pay safelite a second time. 

It feels like a scam. Why bc I paid.

I disputed the debt. Ive been trying to call safelite but. Alas you can not get a person using their phone system. 

At the least. I would very much appreciate someone looking into this matter. 
much appreciated thank you
Product: Credit reporting or other personal consumer reports

After disputing the following fraudulent inquiries directly with Equifax. 

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 These inquiries are fraudulent. And after making Equifax aware of this with a copy of my police report. They replied stating the inquiries are factual, which is a lie. These inquiries are completely fraudulent!
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Checking or savings account

I received an incoming from call from ( XXXX ) XXXX that showed up on my caller ID as Bank of America. The caller identified himself as XXXX XXXX from Bank of America and the call was being recorded. He was inquiring about a {$12000.00} Wire Transfer that was being done on my checking account and was wondering if I approved it. I Said absolutely not. He then proceeded to say no problem that he would cancel the transaction but need the code that was sent to me to cancel it. 
The call came in on XX/XX/year>, at XXXX and the wire transaction happened at XXXX on XX/XX/year>, the same time I was on the phone for XXXX minutes with Bank of America XXXX I provided XXXX 's phone records stating that I was on the phone with Bank of America for XXXX minutes when the Wire transaction was being done. And Bank of America is still denying giving me back my {$12000.00}. I've canceled the account, froze my social security number, called the XXXXraud department numerous times asked for the investigator that was handling my account and was denied also, went to 2 different Bank of America locations, filed a police report to try to resolve this and still nothing. The detective actually went to the XXXX, XXXX  branch today with me and was told I needed to go to XXXX XXXX Bank where the {$12000.00} went to. And I was told there today that they couldn't provide me with any information that Bank of America and XXXX XXXX 's fraud departments needed to resolve this.
Product: Vehicle loan or lease

I paid my normal monthly payment of {$650.00}. plus {$50.00}. plus a fee of {$7.00} on about XX/XX/2021 but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad.