23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX dated XX/XX/23 indicates XXXX, XXXX received your XXXX XXXX XXXX ( XXXX ) plan application from XXXX. 

I see the account is past dues. How can it take more than XXXX business days to process a application so my account would not be past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX I have been promised XXXX XXXX  would remove this since XX/XX/XXXX and it is yet to be removed
Product: Mortgage

While reviewing my checking account online XX/XX/19, I discovered I had incorrectly mailed my mortgage payment to my utility company and my utility payment to US Bank Home Mortgage. Despite my check being made out to XXXX and noting my utility account number on the memo line, and the check amount of {$250.00} not matching the payment amount noted on the returned tear-off, US Bank submitted the check to XXXX XXXX XXXX for payment. However, because the deposit wasn't enough to cover my monthly payment, the funds were not applied to my account. Well, US Bank asserted the funds were in my account, it was just 'suspended. ' Upon discovering the problem, I contacted my bank and was told the funds had already been distributed to US Bank and could not be recalled according to their policy. Most of that day I was making phone calls to my utility company and the various entities who I believed had jurisdiction over them. At the end of the business day, I received a collection call from US Bank collections department. I explained the mistake I had made and asked how could US Bank fraudulently present a check for payment that was not written to them and then hold those funds without applying them to my account. I was told payments are processed through an auto processing center and besides, I mailed the check to them. I asked why they had not called me on XX/XX/XXXX. I believe the response was they didn't have a department to handle such scenarios, that there was no way they could call customers every time a partial/incorrect check is received. Despite explaining my struggle with the utility company 's delay in refunding the stolen monet, I received another collection call Friday! After securing a short-term loan from my bank today, I asked the collections department to waive the {$15.00} late fee. However, they refused stating they had already waived the {$11.00} fee for processing a payment with a representative over the phone. I asserted had they given me the courtesy of a phone call on XX/XX/XXXX, I could have resolved the issue before the XXXX of XXXX late fee deadline.
Product: Debt collection

MY CAR XXXX XXXX XXXX XXXX XXXX WAS PICKED UP AT MY HOME AT XXXX XXXX XXXX XXXX  XXXX MARYLAND ON XX/XX/XXXX. I NEVER RECEIVED ANY LETTER INFORMING ME ABOUT A REPOSSESSION. I WAS TOTALLY SURPRISED! WHY? BECAUSE, I HAD COMPLAINED TO MR XXXX XXXX THE DIRECTOR AND OTHER STAFF MEMBERS SEVERAL TIMES ABOUT MY PAYMENTS MISSING IN THEIR SYSTEM. FURTHER TO THAT I HAD SUBMITTED A COMPLAIN TO CHRYSLER CAPITAL SEVERAL TIMES ABOUT THE UNPROFESSIONAL MANNER IN WHICH THEY HANDLE MY PAYMENTS. CURRENTLY I WORK IN WASHINGTON DC AND LIVE IN XXXX MARYLAND WHICH IS OVER AN HOUR AWAY. AS A RESULT OF THE REPOSSESSION OF MY CAR I WILL BE UNABLE TO GO TO WORK RIGHT NOW. THEY HAVE ALSO SET A DATE TO SELL MY CAR AS XX/XX/XXXX. KINDLY INTERVENE SO I CAN MAKE PART PAYMENTS TO COLLECT MY CAR, CONTINUE MY JOB AND TRY TO UPDATE MY PAYMENTS. I HAVE ALSO RECENTLY GOT A WEEKEND JOB WITH XXXX XXXX ALL IN A BID TO PAY OFF MY BILLS. I FEEL THAT I HAVE BEEN TREATED UNFAIRLY.
Product: Bank account or service

I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a FTC report notifying you all that I have been a victim of identity theft and the accounts in question need to be blocked or removed immediately. Since then you all denied my claim. According to 15 US code 1681c-2 these accounts in question shall be blocked or removed no later than 4 business days upon receipt. I filed a FTC report on XX/XX/23 and you all received it XX/XX/23 via certified mail.
Product: Vehicle loan or lease

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX about four months ago at a dealership called XXXX XXXX in XXXX. I got financed by a company called XXXX  XXXX XXXX XXXX. The day I purchase the car the manager at the dealership didn't let me test drive the vehicle before purchasing it. The the car had problems with the transmission or the engine I'm not sure what the problem was. I told the dealership to fix my car and they denied to fix it. I contacted the finance company and they told me the loan went through without me giving authorization that the car was in good running conditions. I told the finance company to tell the dealership to fix my car. The finance company told the manager at the dealership about my situation and I got a call back from the manager. He was angry at me telling me that the finance company was going to back off from the loan if I didn't tell them that the car was running good. They told me they would fix the car if I told the finance company that the car was in good running conditions. But they never ever tried to fix my car. The finance company knew about this problem from the start ever since I got the loan. Now my car got repossessed because I haven't given the first payment. I don't think it's fair that I didn't even get to enjoy or drive my car in the time that I had it. Now I don't know what to do since the loan went through and it's already on my credit and my car is repossessed. This looks like the finance company and the dealership worked together to sell me a lemon car that I didn't even get to drive. And now I owe them {$8000.00} because the loan went through without me approving of it. I need help getting rid of the situation I have XXXX kids and they're the reason I bought the car in the first place. Only to have a car that I couldn't even drive for 4 months until now that it's gotten repoed.
Product: Credit card

I apply American Express XXXX XXXX XXXX XXXX everyday in the end of XXXX via using XXXX XXXX website.Card offer was Welcome bonus/15 month zero APR.American express now saying that because i have this card before in past so we can not offer you Zero % Apr for XXXX  month.They charge me interest on my balance XXXX XXXX {$98.00} and XX/XX/XXXX {$130.00} which not make any sense i call and request to add my XXXX % XXXX in card but still charging me and trying to make money.I want my Balance back in card that American express charge me as interest and want that company add my XXXX % XXXX for XXXX  Month.
Product: Mortgage

My loan transferred from XXXX XXXX to LoanCare on XX/XX/21. I have been calling everyday from XXXX until this morning XX/XX/21 to order a payoff statement. I have been told I would receive it on the XXXX, then when that didn't happen I reached out many times and was told by at least 3 representatives that I would have it on XX/XX/21. I was on the hold to speak to a supervisor for 3 HOURS. Then was disconnected. This happened twice where I was put on hold and then was disconnected. They can see the order in the system but keep telling me it is still in the boarding process. Now they are telling me that they don't have any idea of when they will provide me with the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to get both accounts opened back up. Capital one told me my account was subject to fraud even though Ive been a customer with them for XXXX years. They closed my account and a month later they report my credit being XXXX days delinquent. XXXX. This is preventing me from getting a home loan at this time. Im willing to take this matter to court. I want to settle this matter with simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX  XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.
Product: Credit card or prepaid card

When trying to pay my bill using the B.O.A. app ... They removed the " pay card balance '' option from thier menu. Therefore, they only provide 2 convenient options that accrue charges!!! 

Starting this month I had to call them to pay my full balance!!! 

Sneaky little XXXX!!!
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( XX/XX/XXXX ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Student loan

For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issues is that I could have applied for PSLF in XXXX of XXXX, but the payment number was not corrected until late XXXX of XXXX. I received a payment count update in XXXX of XXXX which was missing around 17 months of payments. I then received another updated payment count in XXXX of XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere.
Product: Debt collection

The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of obtaining a mortgage. I signed a contract and put XXXX XXXX down on the house. I have a deadline and I am endangered of losing our deposit. When the mortgage ran the three credit reports they received reports back from XXXX  and XXXX  but not Equifax. The report was not completed because it had a " Beacon Hold ''. I called Equifax and they made me provide them with ID Verification which I faxed to them. I called them back two days later and they stated that I should be able to run the credit report with no problem.They stated that there were no blocks or holds on my account. So I paid to run the report again and the mortgage company got the same message. I called Equifax again and they stated that I needed to sent them another ID Verification after the agent refused to give me access to my account. I asked to speak with the supervisor who then provided access. The supervisor stated that there were no problems and to have our mortgage company contact them directly. The mortgage company contacted them the next day but was not allowed access because Equifax did not have my correct birthday. I called Equifax again and had to speak with a supervisor again because the agents would not give me access to my account. They resolved the situation and the mortgage company ran my credit again and the " Beacon Hold '' came up again. I called Equifax again and I had to be transferred to a supervisor for access to my account. The supervisor stated that it was the third party company XXXX XXXX XXXX that was holding the process up. I called XXXX XXXX XXXX with my mortgage counselor and they instructed that I call XXXX because they are the ones responsible for credit scores. XXXX informed me that Equifax probably does not have any credit history and instructed that I call them and make sure that was not the problem or ask to have my credit reports merged. When I called Equifax I had to speak with a supervisor again because the agent could not verify my identification. The supervisor stated that I had no credit history and to call my creditors. 

I called XXXX XXXX with whom I have my credit cards and an auto loan. XXXX XXXX stated that they have been sending my credit history to Equifax since 2014. I called Equifax back and they stated that they have no record of XXXX XXXX and to call them back and make sure they are sending it to the correct person because my dad and I have the same name. I called XXXX XXXX back and they stated they have the correct information and have been sending it to all three credit agencies. We have been going back and forth with Equifax for the last 10 days and may lose our down payment and home because of their negligence. 
I need Equifax to allow my mortgage company to pull my credit report with my credit history and provide my credit score as soon as possible so I do not lose my deposit on the home I want to purchase before the deadline.
Product: Student loan

My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix the names and addresses on my credit. XXXX  and XXXX  and Experian won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies and unauthorized entries that must be addressed immediately. These issues include : Inaccurate Late Payment Reports : Accounts like XXXX XXXX XXXX, XXXX XXXX, and XXXX are incorrectly reporting late payments. This violates provisions under 15 USC 1666 and 12 CFR 1026.13, which govern the correction of billing errors. I demand these entries be updated to reflect " paid as agreed/never late. '' Unverified Debts : Multiple entries, such as those reported by XXXX, XXXX, and others, require validation under 15 USC 1692g. Ive requested documentation including signed contracts and proof of the debts legitimacy. Failure to provide this information violates the Fair Debt Collection Practices Act ( FDCPA ) and warrants immediate removal of the false entries. 

Deceptive Practices : Entities like XXXX XXXX XXXX and XXXX XXXX XXXX appear to be furnishing deceptive forms, as prohibited under 15 USC 1692j. This raises concerns about compliance with federal laws, and I insist these entries be deleted unless they can be substantiated. 

Unauthorized Hard Inquiries : Inquiries from XXXX XXXX XXXXXXXX XXXX, and others are unauthorized and violate 15 USC 1681n ( A ), which outlines civil liability for willful noncompliance. These inquiries must be removed immediately. 

Incorrect Personal Information : My report lists incorrect addresses, such as XXXX XXXX XXXX, which I never resided at. This misinformation must be deleted promptly to ensure the accuracy of my personal data. 

These inaccuracies reflect willful noncompliance with federal regulations, including the Fair Credit Reporting Act ( FCRA ). If these issues are not resolved within the legally mandated timeframe, I am prepared to escalate the matter through legal channels to ensure compliance and safeguard my rights.