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

This morning, I was stunned to find incorrect accounts on my credit report, and I have no clue how they appeared. I check my report regularly, but these errors came out of nowhere. I refreshed the page, thinking it might just be a browser issue, but the inaccuracies didnt disappear. Because of this, I am asking that my submitted documents be carefully reviewed, so I dont have to deal with this again.
Product: Student loan

I have my loans through Great Lakes, and for the 2nd year in a row, they have taken too long to update my Income Driven Repayment ( specifically, PAYE ) after receiving my application. My student loans are for XXXX ( located in XXXX ). Last year, they had my application approximately 1 month before my current PAYE plan would expire, and they failed to update my status so I had to go into forbearance for 1 month until they updated my account. This year, they 'll have had my application for more than 3 months before my next payment is due in XXXX, and again they did not update my account so my XX/XX/XXXX payment is set to increase by more than 10x, which I can not afford. I feel their delays at this point are intentional in order to get more money out of me, which is dishonest at best and more likely criminal. I called them today and was told I 'll be getting an updated payment schedule after XX/XX/XXXX or XX/XX/XXXX, and my payment will only more than triple due to my wife and I filing together and the associated increased income, and yet I had NO information for the last 2.5 months from Great Lakes that my payment would be increasing by that much. Right now, I 'm stuck waiting until after XX/XX/XXXX or XX/XX/XXXX to see if I receive my updated pay schedule like I 'm supposed to, and if I do n't, I guess I 'll conveniently ( for them ) have to go into forbearance again while they fix it ... again. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Product: Debt collection

I opted for no-contract XXXX XXXX and XXXX service in XX/XX/year>. Since my current mobile service expires in XX/XX/year>, I thought I would wait to activate the service until then and only activate the internet for now. 

I am aware that companies can surprise charge you. To avoid this, I called an XXXX XXXX rep. I explained my situation, and the rep mentioned that a delay option was unavailable. However, they could close my account and reopen it in XXXX or whenever I need it without any issues or costs. 

I asked what if I get charged in the future, if not now, for doing this, and the rep mentioned that they could not see any fees linked to my account and that since I had never activated or used the mobile service, they could close it and assured me that I will not be charged now or in future. I asked them again to check with their colleagues to avoid any complications in the future, and they assured me that I would not be charged with any hidden/junk/surprise/activation fee. 

I cross-checked my account, and there was no fee or outstanding balance since I never used/activated the service. But I asked XXXX times in total that if there is a charge, I would rather not close it because I liked the plan. I am still using their Internet service. 

I approved closing my account since there was no charge. They closed my account and removed my credit card details. Later, on XXXX XXXX, I received an XXXX email that wrongfully said that my account was disconnected on XXXX XXXX due to non-payment of an outstanding bill of {$XXXX} for my mobile account. I immediately called the XXXX XXXX dept and asked them for an explanation ; they mentioned that since I did not close my account within 14 days of opting for the service, I am being charged a fee. I told them that an XXXX  rep assured me I would not be charged, so I approved closing my account ; otherwise, I would have used the service and avoided the charge. I also asked them to investigate the earlier rep conversation and escalate it because of the false info they provided and misguided a customer willing to opt for their services. They said they would escalate it, and I should get a notification via email/call, but I never received anything from them again. 

Later, it was sent to XXXX XXXX XXXX XXXX for collection, and they, in turn, reported this Credit Bureau, which I learned when I was planning to buy a car after someone hit my car. This action dropped my XXXX XXXX by over XXXX points, blocking me from buying a car. Now, my family is without a car, opting for XXXX daily for a cost. 

I request that CFPB investigate this case, which is based on providing false information to existing customers and misguiding them to incur unwanted hidden/junk charges that have also affected customer 's XXXX XXXX, intent to finance anything and life overall.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

In XXXX of XXXX I refinanced my existing Mortgage with Roundpoint Mortgage. Roundpoint was my initial mortgage holder. The bill that was sent to Roundpoint for my homeowners policy was returned to my agent with a letter saying my loan had been paid in full. No new policy was created for the refinance since nothing was changing but my interest rate. I immediately contacted Roundpoint on XX/XX/XXXX to rectify the issue. They contacted my insurance agent for a declaration page and received it the same day, but never made the payment. 
I contacted Roundpoint on XX/XX/XXXX, and the same thing happened. My agent provided them with the same declaration page and billing info, but still no payment was made. I called them again on XX/XX/XXXX, and they were provided the declaration page again along with the billing. Because the premium was due XX/XX/XXXX, I asked for a callback and was promised one Monday XX/XX/XXXX. After no callback, I called in again on the XXXX, and provided the declaration page and billing info once again! XXXX from customer care called me today- XXXX to confirm they finally received the billing and was mailing the payment regular mail. When I asked them to overnight the check, he refused- saying hopefully the payment will make it to XXXX XXXX in time for my 30 day grace. When I asked to speak to his manager, he said none was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against XXXX. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XXXX XXXX, 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that XXXX  provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. XXXX  has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. XXXX  continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX  to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to an adequate customer service and unfair practices, which violate the consumer, financial protection act ( CFPA ). Specifically, cash app fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with XXXX resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have calls, significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I have a chime account in which I was using the app within the account allows you to pay anyone you are supposed to put in the phone number or an email and the money is supposed to be sent to a text message or an email whichever one you choose well when I sent the money to a phone number the person I sent it to does not have a chime account and the money went to somebody else 's chime account and which has nothing to do with me nor the person that was supposed to receive the money via text by pay anyone app within the chime account well I called the bank and told them that that money was not supposed to go there it was XX/XX/year> and they keep denying me to get my money back I called them immediately told chime that it was not supposed to be in that account it was supposed to go as a text message to the phone number I sent it to and according to their pay anyone text account process they fail to give me my money they keep denying my complaint they keep telling me I am not getting my money back it is XXXX XXXX dollars and I need my money back and they're not giving it to me they sent it to an unknown account which I have nothing to do with the phone number is correct that I sent the money to with the app that they have within the account my account to do so by phone number only as a text message so the person I'm paying can receive the {$600.00} and they can download it on any card they choose to but chime is refusing to give my money back and have told me several times that they never will. I told him immediately that it went into the an account instead of text form as I intended it to go via text so that they could correct it and they refuse to correct it immediately after it was handled I told them that they promised in their app that it would go in as a text message not as a chime account I would have done chime to chime if I wanted to go into somebody's chime account well I did not know the man at the time who received my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and notice inquiries that I did not authorize.
Product: Debt collection

We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 

1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. 

I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, am writing to you because I got rob at being of XXXX year XXXX, and they got a hold of my credit card, at the time where this happened I was in XXXX doing a project for a business, I try to cancel my credit card through the app ( XXXX  XXXX XXXX ) or report it stolen and it would only give me the option to call the bank which I was not able to do, because in XXXX you cant do international calls, I just got back to the states the XXXX of XX/XX/XXXX, I went directly to my bank ( XXXX  XXXX XXXX ) and reported my stolen credit card, they were able to resolve on their part of the end, they got me a new credit card and return the money that was stolen, the last 3 months I have not payed my mouthy fee because as I said my credit card was not in my possession and every time I would pay it, they would use it again. As of the resulted my credit score has decreased, I would like to know what I can do in this case, I have always been on top of my credit score but in this case, I didnt really have an option. 
In XX/XX/XXXX my XXXX score was a XXXX and XXXX XXXX is XXXX, how can I fix this.
Product: Mortgage

On XX/XX/2021, I called my mortgage servicer, Loancare, to pay my monthly mortgage payment. I was advised that the payment increased from {$740.00}, that was paid post-forbearance and loan modification in XX/XX/2021 and XX/XX/2021, to a current payment amount of {$1000.00}. I was given no written or verbal notification of this increase in payment. Between XX/XX/2021 and XX/XX/2021, I made 10 calls to Loancare in attempt to get an explanation for the payment increase. I was told by three different representatives that I owe three different monthly amounts. The rationale varied from an escrow shortage, HUD tax lien, being on a trial payment amount and finally a large increase in my local school taxes. Any attempt to speak with a Manager resulted in either a disconnected call or two hour wait with no one answering or no return call.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE : WAITED UNTIL 87 % of the loan was paid to repossess the vehicle the loan was for due to delinquency, the same day I had made a payment, without a phone call or even an email to ask for more first. They just sent the truck over, causing much more to be paid and not towards the loan. This is a scam. 
This company reported increased annually in profits. I can see why with this kind business practice. 
Credit Acceptance annual revenue for XXXX was $ XXXX, a 11.18 % increase from XXXX Credit Acceptance annual revenue for XXXX was $ XXXX, a 12.11 % increase from XXXX. 

I was delinquent with a loan via Credit Acceptance due the covid-19 related issues. I made a {$70.00} payment today XX/XX/XXXX to start getting things moving in the right direction for the month. Approx. 2 hours later a tow truck came and loaded up the car, I talked to them and they said they can wait while I call the loaners since there was a payment just a few hours ago.

The Credit Acceptance representative advised with a payment for an ADDITIONAL {$330.00} he could stop but it had to be now, over the phone. I wasn't able to immediately and the removed the vehicle. I got off the phone and called the bank to move money over and called back to make the payment. This time another representative advised a new total of {$650.00} was due today or they would sell the car for the remaining loan balance of approx. {$2000.00} ( after paying them for several years on a {$16000.00} loan ) After explaining to Credit Acceptance rep that I just made a partial payment for XXXX and when my next pay date was they told me they would wait until Friday XX/XX/XXXX to sell the property for balance unless the {$650.00} was paid in full. I ended the call and was advised by another party this is probably not correct from them and called back and got another representative that advised that given the {$400.00} already paid today that WILL be against the {$650.00} leaving {$250.00} remaining, I paid this amount to process the release to the local tow company. 

Now the XXXX XXXX XXXX hasn't sent to release in 1 hour and 5 minutes and after speaking with them twice, being advised it takes 5 minutes twice, and they assured me they sent it, twice. I am doubting I can get my car back today for work tomorrow at this rate since the local tow company will likely close at some point.
Product: Payday loan, title loan, or personal loan

I submitted a loan application through USAA 's website. USAA pulled my credit, then asked for supporting financial documents. IS it a standard practice to pull credit BEFORE having identifying documents and financial documents on file? 

Now my credit score has taken a hit. 

Can't get them on the phone since their automated system keeps transferring me to the wrong department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date. 

2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XXXX/XXXX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2019 I submitted disputes with XXXX  and XXXX for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. Equifax is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. Equifax is reporting a fraudulent XXXX account that is in violation also.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be 1 mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from XXXX XXXX XXXX, I have seen several other auto loan inquiries being reported that are not recognized.
Product: Mortgage

On XX/XX/XXXX, I contacted Wells Fargo via email about the amount of my mortgage payment which increased from {$1500.00} to {$1600.00}. I received a call from XXXX who said she would research what happen. I received a letter from Wells Fargo detailing my XXXX property taxes will be {$6000.00}. I also received letter directly from XXXX stating she would call me on XX/XX/XXXX to provide me with a response. I wrote a follow up email on XX/XX/XXXX stating my XXXX property taxes is actually {$4700.00} and not {$6000.00}. On XX/XX/XXXX, I called since I haven't received an update. The rep stated XXXX called me twice on XX/XX/XXXX. I answered my phone all day XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly spam calls since I did not know her number. So the rep said XXXX had sent me out a letter on XX/XX/XXXX with the resolution. As she read the letter it was the same information stating my property taxes is {$6000.00}. I asked the rep could this get escalated and she said she would contact XXXX and copy her manager. After thinking about last week and receiving no call back, I decided to file this complaint.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CDPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These experiences align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer