23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I signed up to have my credit cards managed and my credit score improved through Tally. I see now that all of my line of credit that was being used to pay monthly credit cards has now been " transferred '' to this company " XXXX XXXX XXXX XXXX XXXX XXXX, '' which I can not even find on XXXX or as an accredited company. The attachment below shows that this Line of Credit has already been transferred to this collection agency. 

In the end, Tally charged me fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin my credit score. This is not what they advertised, If it was, I wouldve never agreed to work with Tally.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I wrote a good will adjustment letter to First Progress Credit Card Company for a late payment that should have never been on my Consumer Report, I also filed a complaint with Better Business Bureau. 
XX/XX/XXXX : First Progress Credit Card company responded stating they would update the records and it could take up to 31 days. 
XX/XX/XXXX : First Progress Credit Card Company responded to the XXXX XXXX XXXX  stating XXXX XXXX is honored, late mark to be removed within 30-45 days. Late payment was never removed. 
XX/XX/XXXX : I sent a demand to comply letter to all 3 Credit Bureaus : XXXX, XXXX, and XXXX. 
XX/XX/XXXX : XXXX updated the late payment to current. XXXX and XXXX updated to info was accurate and kept the late payment. 
XX/XX/XXXX : XXXX reverted back from current to late payment. 
XX/XX/XXXX : Late payment still shown on all 3 consumer reports : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/2021 I sent the attached debt violation letter to Flagship Credit Acceptance pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in FullXXXX XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

Flagship Credit Acceptance is in violation of 15 USC 1692 for the following acts : Flagship Credit committed fraud by ignoring the cease and desist.

Flagship Credit Acceptance failed to provide the amount of the alleged debt.

Flagship Credit Acceptance failed to provide the name and address of the original creditor. 
Flagship Credit Acceptance continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
Flagship committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and XXXX )
Product: Credit reporting or other personal consumer reports

Unauthorized hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX 2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 Experian XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX  XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX   XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, with a balance of {$2500.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$3100.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Product: Credit reporting or other personal consumer reports

I HAVE A Wells Fargo CREDIT CARD TIED TO MY CHECKING ACCOUNT BECAUSE THEY ADVISD ME TO DO THAT SO IT WILL COVER SOME DEBT TRANSACTIONS. THEY LIED TO ME. THEY CHARGED MY CHECKING ACCOUNT OVERDRAFT FEES, THEN THEY CHARGED MY CREDIT CARD CASH ADVANCE FEES AT THE HIGHEST INTEREST RATES, THEN THEY CHARGED ME INTEREST. I CALLED THEM AND TOLD THEM TO REMOVE THE LINK TO THE CHECKING ACCOUNT. THEY REFUSED. THE NEXT DAY, THEY CLOSED THE CREDIT CARD ACCOUNT AND REPORTED ME AS DELINQUENT FOR OVER 6 MONTHS. I AM STILL MAKING MORE THAN MINIMUM PAYMENTS MONTHLY. THEY REFUSED TO FIX THE REPORTING TO THE CREDIT COMPANIES AND DESTROYED MY FINANCIAL REPUTATION. NOW I CANT GET A LOAN FOR MY BUSINESS. THE EMPLOYEES TAKE MATTERS PERSONALLY AND DESTROY CUSTOMERS FOR THEIR OWN SADISTIC JOYS. I AM CURRENTLY SUING THEM. BUT I WAS ALSO ADVISED TO FILE THIS WITH YOU.
Product: Debt collection

I did not consent to this inquiry. I demand the creditor remove the inquiry. If they fail to remove the inquiry it will be a violation under Fair Credit Reporting Act ( FCRA ). 

Remove inquiry immediately or pay {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON TRANSUNION ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

B of A sent a second mortgage payment to our mortgage company XXXX XXXX  on the XXXX after we had already paid the mortgage on the XXXX mistakenly either by myself or by them. Subsequently XXXX has requested a transfer of funds back to B of A on the XXXX of XXXX at our request. B of A has still not credited our account with that second payment as of closing on XXXX XXXX. I have called their executive office to speak to the assigned representative and left a voicemail for an answer as to when these funds are going to be transferred back to our account. No one has responded. We have both the reference number for the transaction and the federal transaction id as well, to no avail.
Product: Credit reporting or other personal consumer reports

The 30 day late payment reporting for quicken loans is incorrect. This is falsely reporting. Im getting ready to file a lawsuit on this because this is affecting my score, ability to get a lower interest rate for future XXXX XXXX. I have requested documentation proving any late payments and never been provided this information. I just receive an updated credit report of no change. This is unfair practices on my report and if this isnt removed in 30 days and stay off my report Ill be filing a lawsuit and requesting funds for the stress and hardship this has caused.
Product: Student loan

I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We stopped making payments due to COVID in XXXX of XXXX. We started to make payments again in XXXX of XXXX. We have repeatedly asked for a deferral of our payments to be added at the end of the loan. We have applied for their assistance program twice. Each time they give us the same numbers where they want us to pay double our mortgage payment. We can not financially make those payments. We are asking the payments we owe be deferred to the end of the loan. They are unwilling to work with us knowing we can not make double payments. We are in fear of losing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Hi, I have an account with JP Morgan Chase together with my wife in order to share common expenses as well as the renovation of our new home in Florida. As such I usually deposit/transfer money from other personal or investment accounts belonging to me and her. 

Every time, literally every time, I connect an external account and try a first transfer ( inbound always ) my whole account gets locked for online/mobile use. As I travel often for business that is the worst. 

This last time, my 4th external account linked and VERIFIED ( two deposita that needs to be identified ), after calling 4 times my account is still locked after more than 7 days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a consumer statement listed on my report that Id like removed and Equifax will not take it off my report at my request
Product: Credit reporting

Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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 as soon as possible!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires and I have ask for them to be removed. The credit buraus did not do as I a requested. I am providing a identify theft report. I am requesting that they be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$370.00} / XX/XX/2022
Product: Debt collection

{$630.00} THE COMPANY CLAIMS I OWE THIS MONEY BUT I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY CONSIDERING IVE NEVER LIVED IN THE AREA WHERE THIS COMPANY PROVIDES SERVICE. THEY HAVE FAILED TO RECOGNIZE AND RESPOND TO ANY OF MY MAILINGS TO THEM. I HAVE FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AS WELL AND NOTHING HAS TRANSPIRED WITH THIS ACCOUNT.