23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I own a XXXX XXXX  in XXXX SC and my vendor is a XXXX based company so I felt that dealing with TD bank was a no brainer they also being XXXX based. Due to the Corona virus pandemic my company requested we pay with card as to not be passing checks to drivers or dealing with more mail than necessary and to offset them losing money to people not being able to pay due to the virus. On XX/XX/XXXX I paid them {$20000.00} and then on XXXX I paid another {$7900.00}. I was looking over my bank acct statement later and noticed these charges totaling {$850.00} ( {$610.00} and {$230.00} ), I XXXX  the the payee ( XXXX XXXX XXXX  ) and found that TD started charging in XXXX a 3 % fee for paying out of country. I tried to speak with the local branch in XXXX XXXX who only said it is a legitimate fee, I asked my bank in XXXX who spoke to someone higher who said nothing they could do, I called the customer service number and XXXX XXXX. No one seemed willing to discuss it or care to actually hear my complaint. I feel they took advantage of me during a time of crisis, I have always paid by check but was requested due to the virus not to send checks. If I go to a non TD atm I get a warning about a fee that will be charged, would it not be a good idea to say hey you are going to be charged {$850.00} if you make these payments? They say they sent out the information but I do all my communications through email as I am rarely at home and do very little mail service, so I can assure you I had not seen this charge announced or I would have never given up a weeks pay to send money to my vendor.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan was originated with XXXX XXXX and in XXXX of XXXX the loan was moved to be serviced by Mr. Cooper. I am a diligent payer of my mortgage and usually pay over the amount due to pay down principal and discovered I was dunned a late fee in XX/XX/XXXX. I noticed it and reached out to customer service and they refunded the payment ( albeit after a bit of a struggle as I had " paid '' the late fee ). I continued to pay my mortgage and excess principal monthly and discovered in XXXX of XXXX that I was again charged a late fee and when I looked back I had been charged late fees for every month in XXXX. It turns out that on the statement the verbiage stating when the payment is due instead of saying that the payment is " due by '' it states " If payment is received on or after *** a $ *** late fee will be charged ''. I assumed that if the payment was received by the " due date '' it wouldn't be subject to a late fee but I didn't realize that the payment was actually due the day prior than what was on the statement. I've now called them three times and they refuse to refund the late payments stating that I already paid them ( since i pay over the amount due every month ). There is no reason why i would be intentionally paying my mortgage one day late and paying a late fee. I think they intentionally put this date in place in order to garner late fees. I would look into the number of late payments they have received and charged to their clients that are only one day late as I may not be the only person who doesn't read this fine print.
Product: Mortgage

In XX/XX/2020 I applied for Forbearance on my mortgage. I was not behind but I wanted to make sure I could continue paying. My forbearance started on XX/XX/2020. I paid {$600.00} at the end of XXXX and XXXX to cover my Principal and Escrow for XXXX and XXXX. My mortgage payment is {$900.00}. I received a letter from Lakeview Loan care on XX/XX/2020. They want {$1800.00} by XX/XX/2020. I should only owe {$600.00}. I know I do not owe them this much money and they should not be requesting upfront payment for what I will owe at the end. 

I have had nothing but problems with this mortgage company. At the end of last year, I received a letter from them wanting {$1200.00} that I did not owe. I paid {$1400.00}. I paid my mortgage on time every month and my insurance and taxes stayed the same without any changes so my escrow should not have been short. It seems like every year the company is asking me for money I don't owe. They have applied this current increase without 30 days notice and because of the Cares Act, this is supposed to be handled when my forbearance is coming to an end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX  has violated my rights. 

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 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: Mortgage

In the process of refinancing our home mortgage loan, we were advised that a conventional loan would have been better suited to our needs. Upon further review of our closing disclosure, we learned of anapproximate {$1200.00} HOA set up and transfer fee, over 16,000 in closing costs and over 19,000cash to close ( including the closing costs ). In addition, the FHA loan calls for {$4700.00} to be paid in  advance for mortgage insurance premium. We were advised by another lender that to refinanceat this time would be counter productive because of the loan to value. As a result, our only option would be to sit in our current loan for 1 to 2 years, make upgrades and have the home appraised before  consideration would be given to refinance.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed I had one late payment on the account that I was never late for Consumer Reporting Agency have assumed a vital role and have a responsibility to report accurate information. I have never been late on my payments for XXXX XXXX, account # XXXX. 

No documentation was delivered to show undeniable proof of the transaction. 

Provide Proof with Statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never Late.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX Ive already included this in my previous complaint # & I am including it again., 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 XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Debt collection

Monetary financial services LLC DATE REPORTED MISSED PAYMENT TO XXXX XXXX credit Bureau ( XX/XX/2021 Balance {$190.00} Current balance is paid and current there is no history of late payments this is false please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple months ago that nelnet was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXXXXXX XXXX I contacted XXXX to tell them that the loans were not mine they responded that nelnet verified the loans were mine. I contacted nelnet they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said nelnet stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if nelnet can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 Did not give permission for these loans to be furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX   passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the amount owed on this XXXX XXXX XXXXXXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives the consumer The right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time the balance the credit limit the pass due please have this removed because all three bureaus is very inaccuracies
Product: Credit reporting or other personal consumer reports

I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with GA Federal LAW 53-7-42 and FEDERAL LAW 1006.26.
Product: Debt collection

Co-signed with ex for him to get a vehicle years ago and apparently he only makes the payment occasionally from what credit acceptance says. Contacted the loan company to inform them that I am not allowed to contact the primary loan holder which is my ex due to a XXXX XXXX  at that time, that I placed on him due to XXXX XXXX and they refused to help me remove my name from the co signed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : Macy 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX {$980.00} should be {$710.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal.

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Debt collection

I am currently a customer with XXXX, upon registering with them XXXX years ago I was made privy to a previously owed amount of {$100.00} which was from my final payment from my previous policy that had been returned due to my own error. Upon signing this policy it made me pay the PREVIOUSLY DUE AMOUNT of {$100.00}. I have talked to CCS ( Credit Collection Services ) for another completely frivolous debt that was insisted upon and that I was forced to pay due to their repeated threats to take legal action. This time, I had a positive experience with their representatives, but can not seem to get this taken care of. I have sent them two separate copies of my policy documents showing the payment of {$100.00} plus my term payment in full, yet they still will not drop it from my credit report. It has come and gone twice so far, and this time I want it gone for good. I am STILL a XXXX  customer, and am actually signing a new term with them this month after making all payments, on-time, consecutively, without issue. This debt was paid. Bottom line.
Product: Debt or credit management

Company name is XXXX XXXX and XXXX XXXX. 
Amount is XXXX open XXXX  Never received a letter. 
I have called multiple times and offered multiple amounts to settle this and i don't know what I'm being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Transunion failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Product: Money transfer, virtual currency, or money service

I am a recent graduate of university and was looking for my first entry level job. On XX/XX/XXXX, I received this job offer for a data entry position from someone calling themselves " XXXX XXXX '' from " XXXX XXXX XXXX '' that would let me work remotely and use equipment purchased by the company that had agreed to hire me. After a chat interview on XXXX I was told I was being given the job. I was told to wait for a check in the mail and to deposit it when it arrived. The check I received was for {$4900.00} and arrived on XX/XX/XXXX. On XX/XX/XXXX, I deposited the check. After being told to " wait for the check to clear after a day '' I was then to send XXXX XXXX payments On XX/XX/XXXX, to a person named XXXX XXXX whose XXXX email is XXXX. After that I was asked to withdraw {$2400.00} and send {$1100.00} of that via XXXX and the rest he requested be sent through XXXX. After asking me to deal in XXXX I immediately suspected fraud and searched online for answers. I was able to learn about this scam and stopped replying to the fraudster within the same day. I also immediately tried to stop the XXXX XXXX payments to no success. But I was able to stop the XXXX ( {$1100.00} ) to XXXX XXXX, from XXXX XXXX, Georgia XXXX. I was also NOT able to stop the XXXX ( {$1000.00} ) I had sent to XXXX XXXX whose XXXX email is XXXX. The entire time I believed I was only using the company 's funds for equipment, until I learned the check could still bounce and stopped contacting the individual through Zoom chat. I am a student and had very little money to begin with. I lost everything I had and the banks ( TD BankXXXX XXXX XXXX nothing to help me.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT WAS PULLED WITHOUT MY PERMISSION. I DIDNT SIGN ANY CONTRACTS WITH THESE COMPANIES AND I WANT THESE REMOVED OFF MY CREDIT REPORT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported I have two open accounts : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX On XX/XX/20, I contacted both creditors over the phone about these accounts being opened due to identity theft. I did not open these accounts. They closed the accounts.
Product: Credit card or prepaid card

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XX/XX/XXXX for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my mother being in the hospital, being a XXXX XXXX XXXX XXXX, and working full time to provide for my younger siblings while my mother was sick in the hospital, Id have an excellent repayment record. I made a mistake in falling behind, but since then, my mother has recovered and is now working. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to the two past late payments. To help give me a better chance of being approved for a mortgage loan. 

Thank you for your consideration, and I hope youll approve my request.