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

Sallie Mae continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to Sallie Mae in that month as well. Moreover, a Sallie MaXXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call Sallie Mae and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a few disputes in various ways about this already, but didn’t realize the scope of the problem. At first I thought this only was on my Equifax report. Now I realize it’s also my XXXX and XXXX as well!There is an account from a Collections Agency being incorrectly reported an my credit files.The account is from the collection agency, “XXXX  XXXX XXXX”, account #XXXXThis account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. Equifax simply responded that the Collections Agency is “not reporting at this time”.I should have no accounts in collections, and further, XXXX is displaying this item as a “Charge Off”, meaning that they say I still owe money for it.XXXX XXXX  XXXX needs to be held responsible for correctly reporting this item as “Closed with a Paid in Full status, as of XXXX), and being sure the credit agencies receive that information.I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from Equifax. This account still shows as active in collection on XXXX too. All of this needs to be corrected and properly reported by XXXX XXXX XXXX.
Product: Debt collection

i Was any debt that i owed so i kept recieving letters and phones calls that woul not stop after i told them to stop calling ill call back when i have time. the lady i spoke with told me i had to pay XXXX today in order to not have my credit impacted. then stated " this is lgoing to go on your credit report and there is nothing you can do '' o just have to pay. I do not even owe this company so it is now relecting on my credit and damaging my report and good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed. 

1. XXXX XXXX XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. Syncb /XXXX XX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. Syncb /XXXX I did not apply for this, I don't even fly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my usaa XXXX XXXX card off a month ago. They show and say my balance is XXXX, however usaa has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today - XX/XX/2018 - I had a very strange conversation with someone called " XXXX " at Chase Executive Offices. 

XXXX told me that they were not going to fix the problems! XXXX said to start a new complaint! 
- So - that is what I am doing now! 
- That was strange. Because when I submitted complaints - I got replies telling me to call the phone numbers & the extensions & all that. 
- So today - when I call the number & the extension & all that - then I'm told to file another complaint! 
- Y weren't the problems fixed today??? 
- Y? 
- - Y weren't the problems fixed today??? 

- I wanted the problems fixed today!!!!!!!!!! 

According to THE LAWS - the problems should have been fixed MORE THAN A YEAR AGO! 

XXXX apparently hung-up on me before I could finish explaining things. 

- - It now seems like they r giving me a run-around! 
- I'm probably going to get a response from JPM Chase telling me to call telephone number & extension all over again! 


. 
XXXX - who repeatedly refused to state full name - told me that Chase was not offering financial compensation for re-insertion of derogatory items! 

- I tried to explain that it was NOT so much a matter of whether Chase was offering Financial Compensation for re-insertion of derogatory items! 

- It was more a matter of THE LAWS that say companies that do re-insertion of derogatory items ARE SUPPOSED TO PAY Financial Compensation for re-insertion of derogatory items! 

- Victims - like - for example - me - are supposed to receive XXXX $ ( XXXX XXXX dollars ) of financial compensation per re-inserted derogatory item! 



. 

It now seems like they have no serious intention of complying with FCRA - CPA - ADA SMCRA - FACT ACT or other laws in these cases! 

- It now seems like the victims like me are going to have ask lawyers to file lawsuits about these kinds of problems!
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These XXXX unauthorized accounts and an inquiry were added without my knowledge or consent and require immediate correction. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting

I am trying to get a report from Earlywarning, on information being told about me. I 'm told I have to send a copy of my drivers license to prove my identity. However this company asked me for my social when I called. I feel sending a copy of my identity in the mail puts me at risk for identity theft which is strongly on the rise. I am refused a copy of this report to be able to fix or dispute because I refuse to send in a copy of drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from TRANSUNION The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 


Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Checking or savings account

Last month or so, attempted to open account with SIMPLE bank. A month later, told that they could not read my information in photographs. They told me to take photo of myself outside of my home. Attempted to send, my account was closed before I could send. Re-opened account again, send photos via their website and also e-mailed PDFs for easier reading. They had problems with this, but refused to tell me what the problem was. I resubmitted again. They had a problem and refused to tell me what it was. As they told me to try to send materials again, an actual employee of SIMPLE DELETED my information and altered the information of my account! I attempted to create a new account and their " system '' blocked me from re-creating. Employee at SIMPLE told me there is nothing they can do. That they can not control their system whatsoever. Additionally, employee could not tell me what was done with my very sensitive files. They refuse to tell me whether it was sent to a secured e-mail or whether it will be properly deleted. This process took several weeks and no one at SIMPLE is held accountable. Worst of all is, I have NO IDEA what they are doing with my information. If I can not become a client, why ca n't they tell me what they are doing with my personal information? I am now left at risk to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation 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 ( CFPB ) has recently filed 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 failures align with my experience, where EXPERIAN has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EXPERIAN inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and Transunion returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.
Product: Credit card or prepaid card

Received a letter on XX/XX/2022 saying I applied for a " XXXX Credit Card '', but because they could not verify my identity they were unable to approve the application. This letter was from " XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, ND XXXX ''. The company name is apparently " Elan Financial Services ''. Ref : XXXX. 

I believe this letter is a scam since I didn't apply for the credit card, nor has an inquiry been made on my credit report. I have learned others have received similar letters for the last few years, or have other various complaints. They need to quit sending unsolicited letters to trick people into calling them. I did NOT call them since that is what they are trying to get people to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote Equifax, XXXX and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Product: Mortgage

Property was seized by Chase and my family was removed by the police. 
Told the police they were holding an auction of my property that weekend. 
I was told by the police that if I was seen on the property, I would be arrested for felony trespassing. The auction never happened, but I still do not have access to. The property. 

Chase property management took control of the property. 
They changed the locks and never came back, allowing the furnace boiler and heating pipes, and radiators to burst. 
The building inspector has removed the certificate of occupancy and instructed me to demolish the house. 

I have never missed a payment.
Product: Payday loan, title loan, or personal loan

PayPal keeps displaying different balances when I log in. 

Today I answered a robocall, and was informed by the debt collection person that my account has been past due for 15 days in the amount of {$28.00}. 

I just logged in and took a screenshot of my account and it says " no payment due. '' I made a payment of {$160.00} on XX/XX/XXXX, which appeared to cover the " minimum payment due '' on that date. I continued to receive robocalls from PayPal, and I checked my PayPal account again. This time, it said owed a different amount, so I paid an additional {$190.00} USD on XX/XX/2019. 

I made clear during the recorded collections call that I did not think it was appropriate for PayPal to display information on the website with respect to the amount due that does not match what the collections agent on the phone is saying is owed to me. The agent tried to interrupt me to tell me that it's appropriate for a company to whom, according to the screen shot I took today, and according to what also displayed last week, I do not owe any overdue payments, to call me twice a day every day for the past week. I disagree : you can't call and harass someone who doesn't owe you money. 

I informed the collections agent that I was going to hang up and check my paypal account. It says " no balance due. '' I took a screenshot.
Product: Vehicle loan or lease

I leased a new vehicle on XX/XX/18 and the dealer I leased the new vehicle from bought out and paid off the old leased vehicle. XXXX XXXX received the total funds including an excess payment of over {$170.00} on XX/XX/18. XXXX XXXX   applied the payment on XX/XX/18. I have a security deposit in the amount of {$620.00} on file with XXXX XXXX and am being told that they are not going to return my security deposit for one reason or another. One reason I was given by XXXX XXXX for not receiving my security deposit is that I would have only gotten it back if I was to finance or lease through them again. However, that is not what my contract says and that is incorrect. Another reason a rep at XXXX XXXX  gave me that I wouldn't get my security deposit back is because they have to wait to get the car back and assess any damages and fees that they can charge me. However, the dealer that I turned the car into has purchased the vehicle and this concept does not apply. So therefore, XXXX XXXX will not be getting the car back, they have been paid in full for it and so this is also not correct. It's like I'm being given the run-around and being told one lie after another so that they can just keep my money. In addition to this, XXXX XXXX has taken the excess amount that they were overpaid and applied it to another month 's car not, and claiming I owe the balance so even at this current time, my account is stating past due. The account is NOT past due. XXXX XXXX has been paid in full for the car plus excess. And if they don't get this straightened out immediately, the next problem is going to be that they report to the credit bureau on my file that the account is past due when it is not, causing me further problems and a bigger headache, which is harder to correct after my score has taken a hit it should NOT take than if they just correct this mess now, before it gets to that point. The attached documents show the full payment amount of {$15000.00} of which {$170.00} was applied towards a next months payment ( after I don't have the car anymore, go figure ) and the balance of {$15000.00} that the dealer paid to XXXX XXXX  was the actual payoff amount of the vehicle. The bottom line is XXXX XXXX owes me the {$620.00} security deposit, the excess payment of over {$170.00} and to correct the account showing past due to current and PAID IN FULL.
Product: Debt collection

The agency sent me a letter stating that I owed them for a bad check written at a XXXX store. They provided the check number and amount. This check had been lost/stolen and there was a stop payment order in place with the bank. After receipt of the letter I immediately responded in writing explaining the situation and sent back up from my bank showing the stop payment order. I asked them to correct their information and cease any contact with me on the matter. They are still calling me even though I have proven I am not responsible for this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX XXXX  # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

requested debt validation and was hung up on and threaten to never be able to get a job and live poor. 

Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX in Oklahoma, XXXX phone XXXX has called for XXXX straight days and many times in the past. They have been told that my son 's loan is not my problem and they continue to harass me. I have not cosigned or have anything to do with this loan. I am very tired of these phone calls and want this to stop. 
Thankyou, XXXX XXXX
Product: Mortgage

Hello CFPB, LoanDepot has not returned my escrow money to me after the sale of my property at XXXX XXXXXXXX XXXX XXXX, CO XXXX ( this is ok to publish ). My house sold on XX/XX/2022. I have tried to follow up and have spoken to them on the phone 4 times since then and while they seem to be helpful on the phone when I call to follow up no one knows what the previous person did.
Product: Vehicle loan or lease

They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is unfit
Product: Credit card

American express cancelled both of my cards after being a member for XXXX years. they say it's due to returned payments. this was a completely honest mistake on my part. I meant to use a different bank account, but forgot to switch it. now my cards I have used for YEARS have been suspended. a long time customer. AMEX needs to understand people make honest mistakes. I pay 80 % + of my balance every month too.
Product: Credit card

I am writing to formally address ongoing issues regarding my dispute with Chime Bank. Despite several attempts to resolve these matters with both XXXX and Chime Bank, I have encountered significant challenges in obtaining a satisfactory resolution. On XX/XX/XXXX, I requested a full refund of {$840.00} On XX/XX/XXXX, I disputed an XXXX charge with Chime Bank, stating that I did not receive services as advertised. I provided extensive evidence, including pictures, videos, chat transcripts with the host, policies of services promised but not received, and receipts of additional purchases I had to make as a result of the accommodation 's shortcomings. However, on XX/XX/XXXX, Chime Bank ultimately decided in favor of the merchant. Chime used the merchant 's policy with my pictures as the merchant evidence. The rest of my documentation was eliminated from the process. 

Despite my efforts to seek resolution through the bank, the chargeback process has not resulted in a refund. Furthermore, my communication with XXXX XXXX has not yielded a satisfactory outcome, as complications with the chargeback process have prevented any potential refund. 

Additionally, I received communication from XXXX on XX/XX/XXXX, informing me that, as per the XXXX XXXX policy, I would be eligible for a refund of {$140.00}, representing 30 % of the nightly price for the impacted nights. Despite XXXXXXXX XXXX efforts, the host denied any refund, and the refund was not processed. Chime Bank failed to properly investigate and correct their error in dismissing my evidence. 

On XX/XX/XXXX, I made a second dispute with Chime Bank but they determine no error occurred. I request on XXXX XXXX XXXX XXXX XXXX XXXX XXXX a copy Chimes evidence in making their determination but never received a response.