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

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXXacct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.
Product: Credit reporting or other personal consumer reports

Goodleap cancelled my automatic payment without notification and then proceeded to mark my account as late for a missed payment. I rectified the situation as soon as I noticed but they refused to adjust their reporting even after acknowledging that they cancelled my payment without my consent.
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below.

This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS Accouct name : XXXX XXXX- XXXX Account name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed your company some documents stating that there was information on my report that resulted from identity theft, and that I did not recognize, The USPS tracking number for my original mailing is XXXX Included in the mailing, was a printout of the FCRA subsection 605b stating that any information identified by the consumer as identity theft shall be blocked no more than 4 business days after receipt of such identifying documents, from the consumer report. 

The documents were confirmed to be received on XX/XX/XXXX by the XXXX. 

I called your company on XX/XX/XXXX at XXXX XXXX  PST and confirmed with 3 representatives that the documents have been received by your company. 

After multiple escalations of the call, I was informed that the documents received did not meet the internal criteria for Transunion to block or remove the information listed. I re-iterated to all representatives that the request was not contingent upon what Transunion -- a private company -- deemed to be acceptable. The federal laws put in place to protect consumers from this type of harmful and injurious reporting take precedent over Transunion 's internal criteria for adherence of the law. 

I was informed that Transunion would not be blocking the information identified as identity theft and they would only conduct and investigation with the creditors and allow 30 days for them to respond. 

This is a clear and direct violation of my rights as outlined by the FCRA. 

A copy of all documents furnished upon your company are included in this complaint as well as proof of delivery of said documents upon your reporting agency.
Product: Mortgage

I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX
Product: Credit reporting

I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Product: Credit card or prepaid card

I have called Citibank Fraud Dept. on XX/XX/19 to report the fraudulent charge when they were just pending ( 4 charges ). 3 charged were reversed. Charge of {$92.00} is not reversed and payment is due XX/XX/2019. 
Called again on XX/XX/19, told they would take care of it, This representative called the vendor in a 3 way call who confirmed I did not make the charge and it was not my address for shipment. ( Shipment was stopped before delivery ) Still not reversed. 
Went into bank on XX/XX/19 and told must call and speak to a Supervisor. Called for the 1st time on XX/XX/19 ( 46.51 minute call ) spoke with a Supervisor who did absolutely nothing to help and transferred me to a Dept. who said they would " look into it ''.

Called a second time on XX/XX/19 and spoke to another Supervisor who again said she would have it taken care of.

After 4 phone calls, a visit to the bank, a conversation for seller, and over 1 month later I am still charged for the {$92.00}.

This amount was charged to a Visa Credit Card that Citibank closed in XX/XX/2019 as they no longer offer Visa cards.
Product: Debt collection

AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has sent the information to EQUIFAX telling them to remove the account ending in XXXX from my report because it was fraudulently opened and EQUIFAX is the only company that has not done so yet and also has not one but TWO disputes still sitting dormant for over 60 days now. And XXXX XXXX is one of them. It says the dispute was complete but they STILL have first premier account ending in XXXX on my credit credit report when u know for a fact the information was given to them to REMOVE IT Juat like they did XXXX and XXXX XXXX. EQUIFAX is violating my right and causing me financial harm at this point. XXXX XXXX  also has given ME a copy of the letter as well, so they can not say its not true. Because I have the letter and the other Credit reporting bureaus do as well. REMOVE THIS FORWT PREMIER ACCOUNT ENDONG IN XXXX OFF OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  contacted me with a credit bureau report about a balance from XX/XX/2001, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a new inquiry was just placed XX/XX/XXXX padio.. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent
Product: Debt collection

Company did not provide the contract that was sign saying that this dept is owed to them
Product: Mortgage

Attached is a copy of the payment webpage of my mortgage that is serviced by CMC Funding. The mortgage payment is due on the first of each month and I have a grace period of 16 days to make my payment without incurring any additional charges for making payment anytime during the grace period. The servicer, however, is charging a fee for making payment during the grace period. According to the schedule of fees on the attachment, the servicer charges {$5.00} if payment is made 5-9 days after the due date, {$10.00} if payment is made 10-15 days after the due date, and {$10.00} if payment is made 16 days or more after the due date. These charges starting 5 days after the due date essentially add up to a fee for making payment during the grace period. Is this a legal practice and in compliance with CFPB rules associated with loan servicing? I did not choose this servicer. My loan was sold to CMC Funding. It appears that this practice of charging mortgagors for making payments anytime within the first 16 days would violate the grace period stipulated in the loan documents. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time submitting a complain ... my XXXX XXXX XXXX   card are reporting that I Have a balance of XXXX which Ive used up my entire available credit and over ... This is inaccurate ... XXXX XXXX XXXX XXXX has admit this was a mistake ... they have also provided me with a letter stating so ... My credit score has dropped over 150 points over this issue ... please update my credit report to correct balance.
Product: Credit reporting or other personal consumer reports

To : Discover Financial Services-Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove personal information and Inquiries that 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 these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Date Updated : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I noticed that my Discover card was closed. I called and they informed me that it had been closed 5 days ago. I asked why it was closed and they said due to inactivity. They said that they normally inform customers that they would be closing the card for that reason but did not inform me. I can not open it back up without re applying. If I re apply, its a hard hit on my credit which lowers my score. Due to closing the account, the available balance is taken away from my overall available balance on my credit score, lowering it as well. 
They told me there i no way to re open the account.
Product: Money transfer, virtual currency, or money service

DON'T SAY DUPLICATE!!!! If so, then WHERE IS THE OTHER COMPLAINT?!??? 
You need to contact ZIP PAY!!! They still owe me money, and have done a lot of wrong things. I have emails and receipts how much was always promised to me, and they broke it. 

I have ATTACHED the emails. You can see they were just stalling and wasting time to not fix it. Same questions, from 5 different people, starting the process over and over again. 

Zip Co has been continuing to charge me for payments made to things I already returned a long time ago. I have tried to resolve this issue since this past Spring, to no avail. Zip keeps giving me the runaround, and keeps my refund money. I would like my money back.
Product: Debt collection

I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response XXXX STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 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 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft.I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my XXXX XXXX.
Product: Checking or savings account

Bank of America BOA issued prepaid debit card with no security chip. On XX/XX/2021, an ATM skimmer fraudulently stole card number and pin number. Everyday in XXXX the skimmer went to different BOA branch ATM and withdrew maximum daily amount, {$1000.00}. Total loss {$28000.00}. No warning or alert from BOA. BOA refused to refund money fraudulently stolen from account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit card or prepaid card

On or about XX/XX/2023, my XXXX card was charged an 'automated, ' 'atm XXXX XXXX fee, ' after using my XXXX  card at merchant to process a payment for goods, in the amount of {$20.00} XXXX This extortionate 'junk fee, ' erroneously charged by the bank, {$10.00} XXXX amounting to a 50 % premium on the goods purchased. This purchase was made on the premises of a merchant business, was not performed at an 'automated teller machine, ' ( ATM ) no pin was entered at any point during this transaction. 
The bank will describe this fee as 'reasonable ' and customary, but a 50 % fee is just outright 'rent seeking, ' profiteering.This type of unjustifiable fee should be examined by regulators and disallowed.
Product: Debt collection

I HAVE A COLLECTION ON MY XXXX XXXX FOR {$1100.00} FROM XXXX. THIS NOT MY DEBT I DONT KNOW WHY THIS IS ON MY CREDIT CAN YOU PLEASE HELP ME AND HAVE IT REMOVED AS SOON AS POSSIBLE, PLEASE HELP, THANK YOU.
Product: Student loan

I submitted an application to MOHELA to change my repayment plan ( attached ) from SAVE to PAYE on XX/XX/XXXX. I sent in a letter as a supplement ( attached ) to expedite processing. I also called MOHELA on XX/XX/XXXX to confirm that my application was received - XXXX ( Worker ID XXXX ) answered and confirmed they received my IDR PAYE Application. 7 months later on XX/XX/XXXX I received a reply from MOHELA denying my application ( attached ) with the reason : " The version of the form you submitted has expired '' as well as " Your signature was missing. '' Both mine and my spouse 's signatures are on the application, and the expiration of the form occurred because MOHELA did not process my application for 7 months. If my application had been processed in XX/XX/XXXX, I should have been on the PAYE plan prior to the SAVE court injunction, which began in XX/XX/XXXX. The months since XX/XX/XXXX should count towards my PSLF payment count, but I am missing 6 months as XXXX have been put in forced forbearance, since I could not get off of the SAVE plan given that my application was not processed on time. Because of the forced forbearance, these months have not been counted and it has pushed back my forgiveness by 6 months. My PSLF count should be at XXXX/XXXX, which would include XXXX  as I should have been moved to the PAYE plan before the injunction if MOHELA had processed my application on time. 

It is crucial that my application from XXXX is processed, as my tax information submitted at that time allows me to qualify for the PAYE plan. By not processing my application on time, I am barred from the PAYE plan which prevents me from accessing PSLF benefits that would enable me to pay off my student loan debt sooner. It seems that MOHELA 's delay is intentional as it has forced me into a slower repayment plan requiring about {$3000.00} more in monthly payments. 

I currently have 33 payments left until forgiveness, and a 6-month delay pushes this timeline back, threatening my financial plan developed based on following MOHELA 's instructions. I am seeking to have my XX/XX/XXXX application for the PAYE plan processed so that I can be on the PAYE plan.