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

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

15 U.S.C 1681 section 602A 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 an account without my written instructions Date Opened : XX/XX/2014
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and righteous indignation regarding the gross violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B and 604. The wanton disregard for the law and my rights as a consumer by the involved parties demands immediate and aggressive action to rectify this injustice.

The deletion or suspension of accounts following a data breach and unauthorized inquiries is not merely a suggestion but a legal mandate under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes of consumer reports, is unequivocally relevant in this context.

I am formally disputing the accounts detailed in my consumer credit report, which are clearly stemming from data breaches or fraud. The gravity of this situation can not be overstated, as it represents a direct violation of my rights as a consumer. I demand concrete, verifiable evidence bearing my signature or electronic signature to substantiate these claims. 

It is abundantly clear that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. Such egregious disregard for protocol and consumer protection laws can not be tolerated. 

I implore you to take immediate and decisive action to address this matter and ensure that justice is served. The involved parties must be held accountable for their flagrant violations of the law and the harm they have caused me as a result. 

I expect nothing less than a thorough investigation and swift resolution to this matter. Anything short of that would be an affront to justice and a failure to uphold the principles of fairness and accountability that are enshrined in our legal system. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the actions you will take to right this wrong.
Product: Vehicle loan or lease

Wells Fargo continues to fail to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on my 2 accounts 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, 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: Debt collection

In prior complaint XXXX, debt company said they would remove debt collection against me within 45 days. It has now been 60 days and
Product: Vehicle loan or lease

These companies. Credit Acceptance XXXX XXXX XXXX XXXX has put me in a financial bind.on XX/XX/2021 I entered a UNIFORMED agreement with XXXX XXXX XXXX XXXX Credit Acceptance. I have multiple complaints about the deceptive acts that was done to me, by these companies. My name was digitally signed without my consent & my co signer who at the time had an above XXXX score, was switched to the Buyer and made me co-signer ( at the time had a XXXX score ) hit us with a high APR of 22.9 %. This definitely an Unauthorized transaction and these wet signature documents copys shows how they fraudulently sign XXXX XXXX name. Also this date was on a Sunday and this company hours are XXXX, me and XXXX wasnt in this dealership office signing paperwork nor on a computer in this business.That finance charge is definitely illegal. this finance charge {$13000.00} ; if interest is 22.99 % then interest should be approximately {$4300.00} of {$18000.00} each month {$110.00} should from the monthly payment of {$530.00}.
Product: Mortgage

The mortgage servicing company has imposed a pre-payment penalty in violation of the terms of the loan. This penalty may not be intentional. 

I have been keeping a parallel spreadsheet of the status of my loan, starting with the XXXX, XXXX payment. In this spread sheet I keep track of the current interest rate, month and year of payment, payment amount and how much of the payment is allocated to escrow ( taxes and insurance ), interest, and pay-down of principal. On the monthly payment coupon I indicate the required amount for escrow, the required amount for interest, and the required amount for principal. Since my payment has always exceeded the minimum required, I always allocate the excess to principal. My records have tracked exactly with the statements from the servicing company. That is, until I made, in XXXX, the payment due XX/XX/XXXX. 

That payment, {$10000.00}, was to be allocated {$560.00} to escrow ( required ), {$1200.00} to interest ( required ), {$2200.00} to principal ( required total payment of {$4000.00} ), and the excess of {$5900.00} allocated to " additional principal. '' My records show closing balance of {$520000.00}. 

The mortgage servicing company allocated {$560.00} to escrow ( XXXX ), XXXX to escrow ( XXXX ), {$2200.00} to principal ( XXXX ), {$570.00} to escrow ( XXXX, XXXX ), {$1200.00} to interest ( XXXX, XXXX ), {$2200.00} to principal ( XXXX ), {$1800.00} to additional principal, with a closing balance {$530000.00}. Their closing balance is {$1800.00} higher. 

Per my usual custom, I made in late XXXX, XXXX, the payment for XX/XX/XXXX - I do not know yet how or to what month that payment was allocated. 

My wife and I were on Holiday during the end of XX/XX/XXXX and had our mail held. We received our mail from the XXXX XXXX early last week ( XXXX XXXX, XXXX ) and opened the XXXX mortgage statement shortly after that, at which time I noticed the discrepancy. I called the mortgage servicing company on Friday, XXXX XXXX ( at about XXXX ), and spoke with their representative. The representative told me that they would correct the error, but she was unable to tell me the date the corrections would be effective nor would she tell me that their closing balance for XX/XX/XXXX would agree with mine. Originally, she told me that the correction would take up to sixty days, when I threatened to consult an attorney, she modified that timeline to ten days. 

Over the remaining lifetime of this loan, the difference of {$1800.00} in the closing balance will result in many thousands of dollars in additional interest ( penalty ) if left uncorrected. With our interest rate being recalculated next month, likely higher, that penalty will be larger.
Product: Credit reporting or other personal consumer reports

________________________________________ XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of XXXX XXXX  from Credit Report Dear XXXX XXXX XXXX am writing to formally request the removal of a XXXX  that has been XXXX from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully XXXX in [ XXXX of XXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), XXXX  are required to be removed from a consumers credit report after XXXX  years from the filing date. However, a XXXX XXXX  XXXX be reported for this period, but I believe it is now time for this record to be fully removed if the XXXX period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness. 
Please investigate this issue, and if the XXXX  is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately. 
I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account XXXX  Account number XXXX is not showing on my XXXX and Equifax credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous unauthorized inquiries on my credit report that I would like removed as soon as possible due to I did not apply for any credit
Product: Credit reporting or other personal consumer reports

I did not authorize nor benefit from any of the following inquiries listed below. This is also a violation of 15 USC 1681 and goes against 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment remarks on my credit report. I believe these remarks are inaccurate and request that they be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I have concerns regarding the structure of a personal loan I obtained for {$1000.00}, specifically regarding the associated fees. Each monthly payment on this loan is {$130.00}, with {$120.00} of that amount designated as a 'statement fee, ' leaving only {$19.00} applied towards the principal each month. While these terms were available on the lender 's website, the extremely high fee relative to the loan amount seems unreasonable and disproportionately burdensome. The effect of these fees severely impacts my ability to efficiently reduce the loan 's principal, potentially leading to an unnecessarily extended repayment period and significantly increased total cost of the loan. I believe this fee structure could be considered predatory, as it drastically inflates the cost of borrowing and could trap borrowers in a cycle of debt. I request that the CFPB review this situation to determine if these practices are fair and compliant with applicable consumer protection laws.
Product: Credit card or prepaid card

I have my bank statements via bank of America edd prepaid n have been goin thru fraud problems since I started receiving payments. After them closing my account for 6 months to investage n came up with no help to y I was missing money they reopened my account n denied my claims so I had my statements mailed to me n I was able to show double charges made within seconds to up to days apart for the exact same amount n again filed claims. After several attempts n trying to get my claims filed I was able to file 5 out of 7 n received payment for one n was denied the rest cuz I was responsible for all the other charges which I asked how n was given no reason to y. So I had to fax over my bank statements I received from them to prove n resubmit my claims. This has been on goin for 2 years now n I'm out almost {$30000.00} plus my time n efforts n hours of work doin their no job. No including the stress n grife n trouble I've had since day one. I have records to prove n letters n emails n statements to back this all up.
Product: Credit reporting or other personal consumer reports

I am still unable to get my credit report from Experian and I have been locked out of my account to get a credit report and score and have to rely on an old credit report at the moment. Please see attachment regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

On XX/XX/2019 I tried to put in a PO Box-in Maryland at the XXXX XXXX Post Office in  XXXX XXXX Maryland at XXXX XXXX XXXX XXXX, but that Post Office has so much fraud, and stealing that my mail was never sent to the Post Office box, so my bank withdrew the funds ( Post Office was reported ) and I signed up instead with the DC Washington XXXX XXXX in Washington Dc because they are professional at this Post Office any how I asked my bank to take back the {$100.00} because the Maryland bank never put my mail in the Post Office box. The dispute department talked to someone at the Maryland underhanded Post office and they told my bank that I come there everyday to get my mail from their Maryland Post-Office which is a lie, because I have proof and receipts and the Post Office General will not allow any one to have two -Post -Office boxes- exspecailly coming form the same house. TD Bank failed to investigate and believed the lies that the Maryland- Post Office -said and not me and TD Bank took {$100.00} out of my bank account and gave it to the lying- Maryland Post Office .
Product: Vehicle loan or lease

I am on XXXX XXXX military XXXX  and sent in documentation to Harley-Davidson Financial Services on XX/XX/2019. They have not yet honored my SCRA Benefits request. This is the second time I have issues with this company not honoring XXXX  military XXXX and failing to implement SCRA benefits.
Product: Checking or savings account

I originally had a XXXX checkings account in the United States. However, XXXX closed their operations and my account was transferred to be managed by Citizens bank ( it was transferred apparently in 2022 ). My old account with XXXX did not have any maintenance fees but the new one with Citizens has THREE fees- {$9.00} monthly maintenance fee, {$5.00} service charge account fee, and a {$3.00} service statement delivery charge. These fees total {$18.00} each month. Citizens has been charging my account these fees since XX/XX/2022 ( in total {$90.00} ). They DID NOT tell me at all of these fees nor properly notify me. These fees are clearly predatory in nature. The service statement delivery charge - charges me for statements in the mail ( without asking me for my updated mailing address ), they didn't even try to do paperless which is free. The monthly maintenance fee requires that I do a deposit and withdrawal from my account at least once per month. I don't know many people who visit the bank that often - especially when we are STILL in a pandemic with COVID going on ( they did not even offer me mobile banking either ). 

For one, they told me that they notified me by mail - however, I have not been receiving the mail correspondence for two reasons. Citizens did not ask me to update my contact information - thus they did not know my updated mail address. I have been in the hospital multiple times this year due to severe health issues and in the time I do not stay in the hospital I have been staying with my sister who has been taking care of me. 

Thus, I did not receive proper correspondence - no one bothered to call me or try to notify me XXXX XX/XX/2022. I received a call asking me to update my contact information and that I was being charged fees. I was so shocked - how can you wait 8 months to ask someone to update their contact information, and charge their account for so many months without asking for their permission for the specific account type or let them know about the fee structure. 

I went into the physical branch as soon as I received that phone call and they printed out the fees for me to see ( I've attached the paper they printed out for me ). 

The fees are leeching in nature, fraudulent and Citizens bank did NOT take any proper steps to ensure customers knew of the transfer and of the account type + fee structure. I did not know about this at ALL nor would I ever agree to this type of fee. I want these fees refunded to me and I NEVER want to work with Citizens bank after this experience. 

Given I was an account that was transferred to them Citizens did not take the proper transfer steps and instead implemented predatory fees to take advantage of these customers who were not informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Huntington bank reached out to me after they turned me into the credit bureau. I was 39 days late on a payment. This was the first time I was late and my account is now up to date.
Product: Checking or savings account

There I was a XXXX payment that was sent by mistake when I called the bank they did not want to help. At the time sleep did not have the warning sign as it does now to who you are sending it to.
Product: Credit card or prepaid card

I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores
Product: Money transfer, virtual currency, or money service

XXXX $ to a person I didnt not know sometime in the summer of 2023
Product: Student loan

Ever since FedLoans took over my student loans in XXXX. I have had many issues and none have been resolve with Fedloans company. I have called many times to try to resolve the issues which includes : payment plan based on the 3 x I have summited income driven based ( IDB ) application so I can afford to pay my loans based on my low income status, I have along with summiting the IDB application 3 times I provided proof of my taxes, paystubs and copy of prior lending XXXX letter of approval and amount per the request of Fedloans varies reps. They also in both XXXX and XXXX put my account saying my accounts were not paid up to date. I have proof from both bank statements and recipt showing I had been paying my loans auto deduct from my XXXX XXXX XXXX checking account, and when loan was transfer from XXXX to Fedlaons I had made one payment for the amount of {$24.00} by visa debit on XXXX/XXXX/XXXX to Fedloans to put my account updated, then they said about two weeks later that they never recv. the payment when on my bank account statement clearly shows they remove the money from my checking account, the rep from Fedloans then asked me to make another payment for the same amount, on XXXX/XXXX/XXXX, I advise her I had made a payment prior, so I had to pay once again same amount, when I called them a week later to advise them now I show twice on bank statement the amount of {$24.00} taken out of my account they refused to refund me the over payment, and I had asked that any auto pay or direct withdrawn be remove so that Fedloan wont be able to take out any money from my account, once again they failed to do so because without my permission again they are taking out of my bank account another {$24.00} on XXXX/XXXX/XXXX. I have emailed them to correct this issue, I have called many times but nothing has been done. I have asked for Fedloans to place all my account they have together into XXXX payment plan, but it has yet to be done, I have asked for them to change my payments based on my XXXX income based application nothing has been done, I even recv. a letter stating my IDB application was approved from Fedloans as well but no payment on my account has been changed, I am very concerning that this company has not since day one of taking over my student loans accounts resolve any issues nor have they made any effect in trying to help me. I am afraid they are going to ruin my credit and I have doing so well paying my student loans prior to Fedloans taking over in XXXX. Please help me with these many concerns and issues I have with Fedloans.gov, before the matters gets worse for me. thank you for your time and help.