23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Called Lending Club to set up a hardship plan. Loan payment, which was automatic ( ACH ) at the time, was due on the XXXX but they had already requested the money from my bank. Operator set up a payment plan for me -- reduced payment for XXXX, XXXX, and XXXX -- and said that since the payment was already taken out that I should do a stop payment with my bank, which I did. I made the reduced payment for XXXX. 
XX/XX/XXXX Got call from Lending Club saying that I owed the entire XXXX payment. Operator got me to agree to pay the full amount. 
XX/XX/XXXX I called Lending club to say that I couldn't pay the full amount and that original agreement should be honored. Operator reinstated agreement for reduced payment for XXXX, XXXX, & XXXX. 
XX/XX/XXXX Lending Club called me and said that I owed the past due for XXXX and failure to do so negated the payment plan for XXXX & XXXX. I explained that we had an agreement, which the operator reviewed with a manager who said that the agreement was invalid unless I paid full amount for XXXX. 
XX/XX/XXXX Called Lending club and explained to operator that I had an agreement, they aren't honoring it, and that they should be able to reinstate the original agreement. She said that it's already been reviewed by a manager and that there is nothing they will do about it. She told me to go to XXXX and look for work, which is when I hung up.
Product: Credit card or prepaid card

XXXX was XXXX income household they dropped credit line, I paid it down and haven't charged anything in over 1 year yet the balance is still high. Recent fraud from my bank detected, unable to get late fees waved. 2 payments have been made recently. and it's in the negative balance. 
Incorrect account holders Name. unexpected medical expenses, Fraud, ID theft,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had an account with TD Card Services that went into default and I was working with XXXX XXXX XXXX XXXX to clear the debit. 
On XX/XX/2018 I received the letter in the mail from XXXX XXXX XXXX XXXX that my TD Account ending in XXXX had been settled and my debt was satisfied. I was told by XXXX XXXX that it may take a couple of weeks for TD Bank to report the change to the credit bureaus. Today, XX/XX/2018 I checked my credit report with XXXX   and saw that TD Bank is still reporting Charged off on my account, it is still open and still showing that I have made 0 payments. I called TD bank at XXXX and spoke with XXXX operator ID XXXX who refused to let me speak with supervisor and hung up on me. 
I then spoke with XXXX XXXX at XXXX XXXX who told me there is nothing he can do about it because they do not do the reporting to the credit bureaus, that I needed to call TD Bank back and speak with a supervisor. I called back and got Supervisor XXXX on the phone, ID XXXX who told me I needed to call Admin Recovery because it had been more than 181 days since the account went into default. 
I tried to explain that back on XX/XX/2018 when the account was settled it was not XXXX and this issue, if dealt with in a timely manner, would not now be 181 days out. She said she would have to escalate it to another department but offered me no info on call back but told me I could try and call her back. She stated there probably is not anything I can do. When I brought up the Fair Credit Reporting Act, she became defensive and told me I needed to go and start a dispute with the credit bureaus, which I have already done. This system is broken and it is impossible for an individual to be treated fairly. These agencies talk to you like you are losers because you had some financial trouble and they don't want to help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax XXXX  XXXX  have all my information wrong attached a copy of the wrong information please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I EMAILED PHH MORTGAGE THAT THE REMARK KEY ( PPA ) PARTIAL PAYMENT AGREEMENT THEY PUT ON MY WIFE 'S CREDIT REPORT AND MY CREDIT REPORT IS ADVERSE. ACCORDING TO THE FEDERAL CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ( CARES ) ACT, IF YOU MAKE AN AGREEMENT WITH A CREDITOR TO DEFER ONE OR MORE PAYMENTS, MAKE A PARTIAL PAYMENT, FORBEAR, AND DELINQUENT AMOUNTS, MODIFY A LOAN OR CONTRACT, ORGET ANY OTHER ASSISTANCEOR RELIEF BECAUSE COVID 19 AFFECTED YOU, THE CREDITOR MUST REPORT THE ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIESIF YOU WERE NOT ALREADY DELINQUENT. MY WIFE AND I WERE NOT DELINQUENT AT THE TIME OF FORBEARANCE. YET, PHH MORTGAGE PUT THE ADVERSE REMARKS ( PPA ) WHICH CAUSED A 73 POINT DROP IN MY CREDIT SCORE. PHH MORTGAGE RESPONDED SAYING THEY DID NOTHING WRONG. I WANT PHH MORTGAGE TO REMOVE THAT ADVERSE REMARK ON ALL OF THE CREDIT BUREAUS. WE HAVE NEVER MADE ANY PARTIAL PAYMENTS.
Product: Student loan

My loan 's interest rate constantly changed from 0 % to 5.3 %. We called multiple times and were told the interest would be credited back to our account at regular intervals. It accumulated to {$2900.00}. Now we are being told this interest will not be credited back to our account under the SAVE program. We would have gladly made payments to avoid the interest from capitalizing if we were told when we called as it was our understanding from them that this interest WILL be reimbursed.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Equifax is keeping items on my account even though I have disputed these and also these are older than 7 years. Information and disputed items are not correct about me and affecting my credit score.
Product: Student loan

I have late payments from my student loans and I really need to get those off my credit because Im trying to better my life and credit score the late payment is really making my credit report bad.
Product: Student loan

Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.
Product: Debt collection

I have contacted Equifax a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Equifax it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX  XXXX. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has information on my credit report wrong. Transunion has a mark that says I owe XXXX XXXX  XXXX money for an account previously owned by XXXX XXXX. This is not true, how can XXXXXXXX XXXX XXXX own the debt, and I have paperwork proving that I paid XXXX  directly already. My credit score dropped and that is just unethical this bill has been paid for a while now. Why is it on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX  complaint against Kohls in XXXX  for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the Kohls app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a Cap one account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX  complaints this was resolved since XXXX  is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). XXXX  is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX  is showing the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXXXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the status of an account multiple times with Equifax. I've also submitted bankruptcy information proving the account was included in bankruptcy. The account is an installment account for XXXX XXXX. 
XXXX - Blank Status XXXX - Changed to " Collection ''.. The account was never in Collection XXXX- Added a comment " 180days or more past due '' The comments and status updates have hurt my credit score. Both the status and comments are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing sentry credit agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding
Product: Mortgage

I was approached by a Chase Mortgage Broker in XXXX XXXX regarding lowering my mortgage interest rate. This was under the XXXX Program and my mortgage was then refinanced under XXXX at 5.375 %, as we know interest rates significantly have fallen since then. On XXXX XXXX, XXXX I contacted XXXX XXXX, the Chase Mortgage XXXX regarding the possibility of having my interest rate lowered. He responded with.. 
" All we know is that it made sense then - and rates were still historically low - unfortunately, we do not have a crystal ball, so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline, and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment, my home is still " under water '' so I am unable to refinance in the traditional manner, Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers, not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.
Product: Checking or savings account

Chase Bank has breached my Privacy. On XX/XX/XXXX, I authorized XXXX  XXXX to withdraw {$200000.00} from my account to fund a Certificate of Deposit that I opened. On XX/XX/XXXX I received an alert from Chase Fraud at XXXX XXXX  asking if I authorized the transaction. I responded YES at XXXX XXXX. Later that morning, both my daughters that are payable on death on my accounts, received this Chase Fraud alert. Why would my XXXX, XXXX XXXX and XXXX XXXX receive these alerts? Chase breached my privacy. I did not want my daughters knowing that they were payable on death on my accounts. They had no right to receive these fraud alerts. I want to know why Chase contacted my daughters who are not account owners with me on any of my accounts. Chase breached my privacy and I would like to know why they think that is ok and what are they going to do about it. I called Chase on XX/XX/XXXX and was told that I would get a response in XXXX hours, ticket # XXXX. I never got a call back. I called a few days later, and filed a complaint, # XXXX. Again I did not receive any follow-up. I called a third time and spoke to a XXXX at XXXX who was rude and unhelpful, ticket # XXXX was given to me. Again, I have yet to receive any follow-up. It is absolutely unacceptable to breach privacy and Chase Bank is not taking this seriously. I want to know what Chase is going to do and what their Privacy practices entail. Thank you for your time in getting me resolution on this privacy breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having HUGE issues cancelling Experian Credit report service. I have tried numerous times between XXXX XX/XX/2018 to XXXX XX/XX/2018 to call the numbers provided as well as send emails to XXXX to get my recurring billing canceled. Each phone call they say I have over an hour and a half wait time, sometimes even 2 hours. They have not responded to my emails and there is no other way to cancel online. I DO NOT want this service to continue to charge my credit card XXXX dollars a month for something I get for free through my credit card service. They are IMPOSSIBLE to get a hold of and from the XXXX reviews and other reviews online I'm not the only person having this issue by a long shot. I have since called my credit card to have them put a block on this service but would really like to cancel it though Experian.
Product: Credit reporting or other personal consumer reports

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX  and XX/XX/XXXX  I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/1982 please update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.
Product: Mortgage

On XX/XX/year>, I successfully completed the refinance of my mortgage. On XX/XX/year>, a wire transfer of {$270000.00} ( confirmation number XXXX ) was sent to Selene Finance, thereby fulfilling my financial obligation. The wire was inexplicably returned to XXXX XXXX XXXX without any explanation or prior notification. 

Despite the wire transfer 's return, I proactively engaged with XXXX to resolve the issue, spending over 50 hours on calls over the course of two months. My efforts were met with persistent delays, resistance, and an outright refusal to take meaningful action. I repeatedly emphasized my concerns that the delay would negatively impact my credit. Despite my warnings, XXXX failed to act appropriately, and as a direct consequence, Selene Finance inaccurately reported my fully paid mortgage as delinquent for XXXX and XXXX. 

When I urged XXXX to escalate the matter to their claims department, I was informed that assistance would be denied due to my lack of an " owners policy. '' This rationale is entirely unfounded, as an owners policy is irrelevant to this matter. XXXX and Selene Finance must rectify the erroneous delinquency reporting to prevent further damage to my credit standing. XXXX and Selene Finance must collaborate to ensure that my refinance is properly finalized without additional hindrances and I require assurance that appropriate corrective actions will be taken to prevent similar violations of consumer protections in the future. 

This situation constitutes a clear violation of my rights, and I have exhausted all available options in attempting to resolve this matter independently. I now require immediate engagement to ensure a prompt and satisfactory resolution.