23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Product: Vehicle loan or lease

I leased in XXXX of XXXX this car and expressly asked if Ally Auto would allow a lease transfer. Yesterday, I attempted to initiate a lease transfer and they told me that they no longer allow it as of XXXX of XXXX, as they changed their policy. This has created a hardship for me, as I only entered this lease because I could transfer the vehicle to another party because I expected a car that I had ordered to become available during the lease term.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.
Product: Credit card

In XX/XX/XXXX, I was offered a line of credit by a Sephora employee, who stated that if I applied for the Sephora Community Credit Card, I would receive {$150.00} off my purchase. I decided to apply and provided accurate information, including my annual income of {$40000.00}. To my surprise, I was approved the same day and granted a {$5000.00} line of creditmuch higher than I expected, given my income level. I noticed that the interest rate was unusually high, but I assumed I would rarely use the card, so I did not think it would impact me significantly. 

Unfortunately, due to unexpected health issues and rising living expenses, I had no choice but to use the card. What I didnt realize at the time was that every purchase I made incurred additional interest immediately, compounding on top of the already existing balance. This caused my credit card to max out much faster than expected, even though I had not spent the full credit limit. The accumulating interest made it incredibly difficult to pay off the balance. 

In XX/XX/XXXX, I contacted the bank to request a lower interest rate, explaining my financial situation. However, the employee I spoke to laughed and dismissively told me that the bank does not offer such adjustments. Later, I discovered the bank offered a hardship program and successfully applied. I remained in the hardship program for over a year and was able to reduce my balance by {$1000.00} due to a temporarily reduced interest rate. 

However, now that I am no longer enrolled in the hardship program, the interest rate has skyrocketed again. Despite not using the card, the high interest rate is rapidly increasing my balance each month, creating a vicious cycle that makes it nearly impossible to pay down the debt. I called the bank again on XX/XX/XXXX, to discuss my options, but I was informed that because there is a pending dispute on the account ( regarding an unauthorized transaction that I only recently discovered ), they could not offer me any assistance, nor could they suspend the minimum payments. 

This policy of denying support to customers in financial distress solely due to a disputed charge is not only unreasonable but feels intentionally abusive. The bank is aware that I am struggling to manage this debt and has refused to offer any feasible solutions, effectively trapping me in a never-ending cycle of debt. I believe this lending practice is predatory and needs to be addressed.
Product: Credit card or prepaid card

I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke  to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the  worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been multiple ocassions were I make sure to keep all my balance low or just pay them off. Whenever I pay a balance in full the credit bureau Trans Union takes my score down. whenever I put a small balance on my report less than 3 % then Trans Union takes my credit score down. Also there is an old outdated tradeline on my report that the bureau will not fix and i also had multiple angencies try to fix it and Transunion will not fix it. they will not age this credit out of my report from 5 years ago. XXXX Department Store. Please help me. XXXX tells me that Transunion has never contacted them in regards to this tradeline being on my report. I also requested the information from Transunion that this deparment store has sent to them to verify this account, and they won't provide it.
Product: Payday loan, title loan, or personal loan

Wasn't told compounded interest 9 % daily!! Foundation finance company XXXX XXXX XXXX XXXX wi. XXXX under XXXX XXXX or XXXX XXXX account XXXX XXXX balance XXXX monthly payments XXXX, for XXXX XXXX XXXX XXXX XXXX there phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent faxes to Equifax ( Fax Number XXXX ) and XXXX ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both XXXX  and Equifax responded back stating the bankruptcy is accurately reporting based on third party data provider XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX  and Equifax have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I contacted XXXX XXXX they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable  evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia XXXX and XXXX response to my inquiry, I attempted to contact XXXX  and Equifax again. I sent XXXX  a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by Equifax. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. Equifax knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
Product: Vehicle loan or lease

I have already filed a complaint to the CFPB on this matter which Truist Bank declined my request to refund my money and the CFPB closed the complaint. Sadly, their response is inaccurate. They stated the dealership sent the payoff amount of {$9500.00} to the BB & T Dealer Financing  ACH, but not Truist. This is the problem, BB & T bank and Sun Trust bank merged in XX/XX/XXXX and became Truist bank. BB & T Dealer Financing is Truist. 

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX VA in XXXX of XXXX. I traded in a XXXX XXXX as part of the sale. The dealership asked who held the lien for the XXXX and I said Lightstream bank ( part of Suntrust bank ). The dealership contacted Lightstream to pay off the loan and Lightstream said they would do not accept payoffs from third parties. Despite that, the dealership was able to get the exact payoff amount as well as where to send the electronic funds transfer. There is no way the dealership would have been able to get that information unless Truist provided it to them. Money sent into the BB & T Dealer Financing ACH is going somewhere. If Truist were no longer using that ACH for loan payoffs, then it should be very easy for them to show where the EFT was declined. If not, Truist received the money. They may not know where it is, but they got it. I asked the dealership to prove they sent the XXXX payoff and they produced the attached EFT receipt.

Lightstream has continued to debt my checking account for $ XXXX after Truist received the payoff amount.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THERE IS AN INCORRECT LATE PAYMENT APPEARING ON MY ALLY FINANCIAL ACCOUNT FOR XX/XX/year>. I WAS NOT LATE IN MAKING ANY PAYMENTS ON MY ACCOUNT. THE BILL FOR XXXX WAS FOR THE XXXX PAYMENT ON MY ACCOUNT. 

I HAD CALLED ALLY FINANCIAL TO TELL THEM THEY HAD THE WRONG ADDRESS OF XXXX XXXX XXXX XXXX XXXX, CO XXXX, MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CO XXXX. I HAD TOLD ALLY FINANCIAL I WAS NOT GETTING STATEMENTS AND WHEN I CALLED TO MAKE A PAYMENT THEY COULD NOT VERIFY ZIP CODE BECAUSE ADDRESS WAS WRONG. 

MY ACCOUNT WAS THEN REPORTED TO THE CREDIT BUREAUS WHICH SHOULDN'T HAVE BEEN AS I DID NOT RECEIVE ANY STATEMENTS AS ALLY FINANCIAL HAD AN INCORRECT ADDRESS. I AM REQUESTING FOR YOU TO REMOVE THE INCORRECT LATE PAYMENT APPEARING ON MY ACCOUNT FOR XX/XX/year> AND REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?
Product: Mortgage

We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to this.
Product: Debt collection

XX/XX/2018 a debt collector Online Information Services reported to the credit bureaus that I am in debt to them for {$84.00}. I have never received services from this company nor do I owe the debt to them.
Product: Credit card

In XXXX my card was stolen and was used at 3 different stores totaling {$9900.00} and I called in like 10 times to get it resolved, but they kept rejecting my claim. I was told to send in police report and I did but still no information back from American Express. The letter they provided kept saying that I provided my information to the merchant but I've never shopped with them before. When I called them, at one point they were on a different account saying the wrong information and I got confused. American Express was not on my side and giving me invalid answers. I help resolving this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i contacted CoreLogic PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize CoreLogic or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.