23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I got a notification from XXXX XXXX about a change in my Synchrony Bank Account for Sleep number, the note stated the account had been closed. I called the bank and they informed me that my co-signer had filed for bankruptcy and the account was affected. I tried to fix the issue and offered to pay the account, but they said that because the account was a joint account it had to be closed due to one of us filing for bankruptcy. After my cousins case was closed and his accounts charged off, I got a new credit alert saying my credit score dropped due to negative remarks, once again I tried calling the bank on XX/XX/XXXX, with no resolution. The bank said that I could pay off the balance, but the account would still have a negative remark. I did not file for bankruptcy and the account was closed even when I tried to negotiate with the bank, and now my score is negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
Product: Credit card or prepaid card

XXXX XXXX refused to refund a refundable reservation for a flight in XXXX. I submitted a Visa billing dispute requesting Chase to investigate. On XX/XX/XXXX I received a response from Chase saying that the transaction was valid. 

In their response to Visa XXXX stated that while the tickets were refundable, request for refund must be submitted through XXXX, the agency I used for the reservation. They claimed the reason they didn't refund was because I didn't submit the request through XXXX. 

On XX/XX/XXXX I provided documentation from XXXX confirming that they received my request to cancel in XXXX and had being trying to contact XXXX on my behalf since XXXX, yet XXXX didn't respond to their emails. 

Despite proving to the bank that merchant 's response was invalid, Chase didn't reopen the dispute claiming they had until XX/XX/XXXX to do so. Apparently my fax from XX/XX/XXXX was processed in XXXX. I've also provided a confirmation from XXXX dated that the XXXX cancelled my flight, and offered to rebook me on a different connected flight number with overnight stay in XXXX, which I declined. Still Chase wouldn't reopen the dispute. 

I'd like to stress that Chase never provided a deadline to respond with rebuttal of merchant 's claims. Also contradicting themselves, Chase 's representative told me to wait until XXXX and resubmit the dispute they just closed if the flight is cancelled, seemingly unaware of XX/XX/XXXX deadline. 

Since I can only respond to merchant 's second presentment after receiving it, Chase effectively made the whole dispute process meaningless as they don't allow me to refute merchant 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My fianc and I applied for a refinance with NewRez and were conditionally preapproved. Our Mortgage Consultant established communication with us and the Mortgage Loan Processor on XX/XX/2021. The Processor had questions in her XX/XX/2021 email, which were answered the same day. 

After getting no information, I reached out to the Consultant and Processor on XX/XX/2021. The Consultant responded on XX/XX/2021, with a question about student loan consolidation. The Consultant also emailed on XX/XX/2021 with a question. I responded to both the XX/XX/XXXX and XX/XX/XXXX questions in a XX/XX/2021 email. 

We did not receive any other communication from NewRez. I emailed the Processor and Consultant on XX/XX/2021, asking about the status of our refinance. On XX/XX/2021, the Processor emailed us and said the loan was declined, and we should reach out to the Consultant directly.

We did not receive any communication from New Rez for over three weeks, and did not receive an adverse action letter. The lack of communication from NewRez is inexcusable. The actions we've been taking impact our credit and our rate options and refinancing timeline elsewhere, and NewRez hasn't even given us the courtesy of basic communication. I'm disgusted that even after this declined refinance, NewRez is still our loan servicer.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan through Wells Fargo, it has been a horrible experience I have been charged late fees every single month and they have even called the co-signer and told them the loan was late when it was not and she made a payment, then turned around and got another payment from me. A late fee is added to the account every month and everytime I schedule a payment to come out, they do not take out, then charge me a late fee. I want a payoff offer on this loan, and all fees removed. This has been a nightmare.
Product: Checking or savings account

I had an account with BofA, during this time I had several claims that mounted up to the XXXX  of XXXX  of dollars that were paid eventually. I filed the claims in XXXX and finally got them all paid ending in XXXX. This has caused my vehicle to be repossessed, credit cards closed and late fees, along with the mental distress this caused me. Ive tried to no avail to stay in contact with BofA because I had to pay my rent late on a numerous occasions resulting in over {$1400.00} in late fees and unnecessary court papers sent to me. This all has been embarrassing because BofA took their time and allowed the claims to sit dormant on their lazy employees desk. I spent hours mounting to days calling them for resolution. I need CFPB to help me immediately to get restitution from BOFa
Product: Mortgage

I paid my   XXXX   2017   payme nt on  X/XX/17 .  I paid my   XXXX  2017    payment with  XXXX  on     X/XX/17  and   XXXX  on  X/XX/17   . Ocwen put both payments in a suspense account and did not apply them as a payment. I sent  XXXX  on  XX/XX/XXXX  and  XXXX  on   XX/XX/XXXX  a nd Ocwen returned both of them stating that I was 3 months behind on my mortgage and had to pay the entire balance at  one  time. They still show I have  XXXX  in a suspense account but give me no credit towards the balance needed to be paid. They have assessed fees over  1000 because  I am  three  months behind.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

A representative from Jefferson Capitol LLC ( I do not know his name ) called me on Friday, XX/XX/scrub> 2024. He told me there was a debt that he was collecting for, which was news to me. He insisted that I provide my home address to send me mail and I asked for more information before providing him with any PII or confirming personal details. Then he started raising is voice and yelling at me, insisting I needed to give him my address. I hung up at that point in time, given how inappropriate and harassing his behavior was becoming and his refusal to answer my questions surrounding this " debt '' I've never heard of. 

When I checked a credit report, I noticed the debt had been reported so I assume this wasn't a scam and it was in fact someone associated with XXXX XXXX. This debt is not mine, I have never opened an account with the Bank for the credit card listed. 

I'm reporting the organization for the agent 's bullying tactic, but also because he had refused to verify any additional information about my supposed debt. He called after XXXX during the day and did not continue any other contact attempts.
Product: Debt collection

At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX
Product: Mortgage

My home ended up in foreclosure I filed XXXX XXXX  three times and have three different case numbers to us bank 's one foreclosure number also a US bank rep appeared in bankruptcy court agree to work with me and give me a loan modification I took the home out pay the reinstatement fee and was waiting on updated documentation it was never received because my home was sold while I was still in it then I was later on evicted and left homeless at that time it was XXXX in escrow that was never applied to the loan is that in a suspense account prior.. I have requested all of the documentation two times and have not received anything other than the runaround from US Bank home mortgage I was on XXXX social security I have been cut off because I was told I sold my home I never sold my home. My home was took out my name illegally and US Banks representatives were involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Re : XXXX To Whom This May Concern, While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Financing Companies XX/XX/XXXX XXXX Companies - non specific XX/XX/XXXX XXXXXXXX XXXX ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of XXXX XXXX XXXX Acts XXXX XXXX ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from my credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Unauthorized Crdit Inquiry To Whom This May Concern, I recently recieved a copy of my credit report. The Credit report showed a inquiry by your company that i do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit files unless i have authorized it. Please have this iquiry removed from my credit file immediately because it is making it very difficult for me to aquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue within 30 days. 
Please be so kind to foward me documentation that you've had the unauthorized inquiry removed. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please sed me proof of my signed signature of this, otherwise, please note that I am reserving the right to take civil action if neccessary. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with Experian on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Dispute Good Evening, I recently reviewed my credit report and discovered several unauthorized inquiries from the following companies that I did not authorize. These inquiries are fraudulent, and I am requesting their immediate removal. The details are listed below : XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry dates XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX Please let me know if you have any questions or need further clarification. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding inaccurate late payments on my Experian credit report on XX/XX/XXXX2024. Despite this, the inaccuracies remain. These late payments are false, as I have never been late on these accounts : XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX BANK NA XXXX ( XX/XX/XXXX ). XXXX and XXXX have already corrected these errors, but Experian continues to report them inaccurately. This violates the Fair Credit Reporting Act ( FCRA ), and I demand a detailed explanation of the verification process used to confirm these late payments. Experians willful noncompliance subjects them to liability of up to {$1000.00}. I demand the immediate correction of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Debt collection

AD ASTRA RECOVERY SERVICES INC at XXXX XXXX XXXX XXXX, XXXX Ks XXXX Has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

Cascade has done tons of collection with me and knew my new address but sent me to ability ( whom I paying ) with no notice to me. I called them asking about debt XXXX question and was told they didnt see it. Now its at ability and on my credit.