23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened an account with Synchrony Car Care Credit on XX/XX/XXXX. I financed four new tires for my vehicle on XX/XX/XXXX and used Synchrony Care Care Credit as my creditor. The total cost of those tires was XXXX. I set a due date for the seventh of the month and was told I had 0 % apr for the first 6 months. I never set due dates for the first of the month because it is the day I receive my Veteran XXXX payment and it is the only funds I receive. I am unable to work. By setting a due date of the first, most of my bills would be late so I set all my payment due dates for a few days after the first or later. Synchrony made a mistake and set my due date for the first of the month causing a slew of late fees to assess on my account, which I was unaware of. I was also told I was being charged interest. I did not realize this was going on until I made my final payment. When I went into my account to change my address, because I am moving, I noticed I still had a balance due. Upon inquiry, I found out that I had been charged exorbitant late fees every month for 5 months. They agreed to wave my last late fee of XXXX for my XX/XX/XXXX payment but refused to wave the others. I told them any interest charged on my account needed be refunded, they refused. I hung up the phone and called back a few minutes later advising if they did not correct the mistake I would close my account and file a dispute and a complaint. Again, they refused a refund. I closed the account. I was charged the following late fees : XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. I contacted my bank to file a dispute. They said, most likely, the money would not be refunded since it is my word against theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Product: Debt collection

I receive a robo call every 2 days from XXXX. This has continued for many months. They portray themselves either as debt collectors ( AFNI ) and/or financial services. When I told them to stop they are rude and aggressive. They ask me for personal and financial information. Their robo calls never stop. Oddly, they are not asking for me, but claim they are looking for someone else. 

Googling the above phone number shows wide spread harassment by AFNI.
Product: Money transfer, virtual currency, or money service

I signed up with VENMO as my friend wanted to pay me back for a personal loan and he uses that application. The account was opened and established and my friend sent me the money to the account. However, Venmo requires it to be connected to a bank account or debit/credit card. I have used every account I own to connect to Venmo. I have only received " unable to connect your account, try another account, try again later '' This has been going on for several months. I have contacted support to no avail. They maintain my account in freeze mode. To unfreeze it you must connect an account it seems. That is impossible to do as they do not accept any of my accounts with no clear explanation. The support says they are unable to tell me the reason as well, and often transfer my case to someone else in a different department. Once there, the process starts again where they tell me to connect my bank account or an account to the application. It is as if they do not read what is happening. I have looked online and see that there are many similar cases and lawsuits with the same issue. People can not access money that has been paid into the Venmo application. I am beginning to believe it is a fraudulent company and it is a manner to steal money over time or use the money to collect percentage rates so they hold onto it illegaly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, TransUnion reports a 30-day late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/year> and XX/XX/year>. Additional 30-day late entries are also incorrectly reported for XX/XX/year> with both XXXX and TransUnion. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


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

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

I applied online and was approved for a { {$1000.00} } loan from Big Picture Loans formerly known as XXXX on XX/XX/XXXX. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of { {$350.00} } to be included to the amount borrowed and had no problem paying what I believed was a one-time fee. I realize now I have been scammed, and in fear of losing thousands of dollars to these people. I was never disclosed at the time of accepting the loan that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's to a total of {$1700.00} at a rate of { {$700.00} } per month and are stating that I still owe then {$1700.00} satisfy this original { {$1000.00} } loan. { {$8000.00} } for a { {$1000.00} } loan, @ XXXX % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. I called them today XX/XX/XXXX and told them I wanted to pay off the remaining {$1700.00} and I am really upset and want these people shut down because for a {$1000.00} loan I had to pay {$3000.00} in XXXX months of interest which is highway robbery!
Product: Mortgage

I paid off a Home Equity Line of Credit in full in XX/XX/2020 and received the attached paid in full letter dated XX/XX/2020. The company, TCF, has still not recorded the lien as satisfied so I am experiencing delays and am unable to close on a new 1st mortgage with XXXX as a result of this HELOC not being recorded as satisfied. I have asked the company, TCF, to simply provide a copy of the satisfaction documents that they say were sent to the courthouse or to provide a letter confirming that the loan is closed and that the satisfaction process is in process. Either of these would be acceptable to the title company handling my new loan closing but TCF is refusing to provide anything. As a result, I am incurring several XXXX dollars in rate lock extension fees as I have been delayed in closing for over 2 months already with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to complain these accounts because of its inaccuracy. There is only one late 120 days on this as a negative remark. The thing is, it is a clear inaccuracy. I believe this needs to be corrected. Please help me out as I am trying to build my credit that is up to par. Your help will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a mortgage application with my credit union. I had discussed this application in advance with my loan officer and he indicated it would take a couple days to hear back. On XX/XX/2020, I spoke with my loan officer who reported to me that all three credit reports came back blank, and that there was a notice that fraudulent information may have been used to request the data. Please note, my credit union utilizes a third party company, XXXX XXXX, to aggregate credit information. XXXX  and XXXX   quickly resolved the error and my credit union now has those reports. Equifax continues to refuse to release my credit report. I have spoken to three customer service agents between XX/XX/2020 and XX/XX/2020, and no one has been able to adequately address my concerns. I have no freeze or lock on my credit report. I have been instructed to have my loan officer contact Equifax 's business affairs department with no success. I have access to the online credit report from Equifax ( my.equifax.com ) but I can not retrieve a full credit report online either.
Product: Credit reporting or other personal consumer reports

Hi, I have asked XXXX to remove other addresses that are not mine. 

My name is XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is all I want to appear on my credit report. XXXX has multiple names, different spellings, addresses, and jobs that I have sent multiple letters over the past 3 years to remove, and they have refused to do that. I am reaching out for your help to remove this inaccurate reporting from my account. 

Thanks! 

XXXX
Product: Mortgage

Our loan was sold to Mr. Cooper with the terms that we would not be paying escrow on our city taxes ; escrow would only be for our flood insurance. When transferred to Mr. Cooper, they added the city and flood insurance escrow cost. They took our escrow funds and paid our quarterly city taxes which reduced our escrow account ; we put a request in right away to fix this issue as we had also paid our city taxes ( and are still waiting to get that check refunded from the city ). They declined the request without contacting us and only found out about the decline after we called back to find out why the escrow wasn't resolved. After a 3 hour hold we were escalated and told that the analysis came back and we were actually able to remove all escrow from our mortgage and that it would be completed within the week. It has now been a week later and the escrow is showing a shortage and we are now being asked to pay {$500.00} more on our mortgage payment.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.
Product: Debt collection

Various phone numbers recognized as Portfolio Recovery on called ID continues to call my minor childs phone number XXXX. I asked them to stop calling. Ive blocked their various phone numbers, but they create new numbers at intervals to seemingly override the call block. I pulled their address from XXXX, although they have numerous addresses listed. 

XXXX XXXX XXXX, XXXX, VA
Product: Student loan

I have had a XXXX XXXX with Navient for some time. Last year, I was laid off my work and called Navient for some kind of assistance. As a consumer, I was trying to get clarity on how to manage my loan the best way that will work for my situation. I was quickly advised to go on forbearance/Deferment. I was under the impression that it will only lower my payment till my employment situation is taking care of. 6 months later, I have accumulated more than {$3000.00} dollars in my account. If that was explained to me, I would have went a different direction on my decision. It seems like the loan will never go away. Interest rates are more than a mortgage loan. Please advise.
Product: Debt collection

A debt that I never owed from XXXX XXXX was just updated on my credit report from XXXX XXXX. I have never had this debt but they continue to harass me about it without showing me proof of my old account they claim I had with XXXX XXXX. This dropped my credit score. XX/XX/2018 it says it was opened. I received a letter from them saying they will accept half the amount if I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off one of my loans with XXXX in the amount of XXXX. I submitted an online dispute multiple times and my results I get back is updated with the same amount. I have sent proof of payment to Equifax and confirmation number to XXXX and they all denying the fact that I made this payment to have this balance removed from my credit report. I dont know who they are contacting to verify my payment but its not XXXX. Ive called XXXX and they havent received any request from the credit companies about my account. I need this resolved because the minute Im on any payments there is an instinct update but the minute I pay off a loan they are clueless and dont want to update the correct information Im stating and sharing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXXand the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC is unlawfully disclosing INCOMPLETE/INACCURATE information on my consumer report! As per the XXXX 2020 XXXX XXXX XXXX XXXX ( XXXX XXXX ), the Original Creditor field MUST contain a value ( information ) in a debt collection account! As a Federally Protected Consumer, I am now requesting the removal of the incomplete/inaccurate debt collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian and XXXX  to no avail to remove erroneous accounts from off of my credit report. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.   XXXX   XXXX   XXXX   Date Filed   XXXX    Type Credit Unions 2.  XXXX  Date Filed  XX/XX/XXXX  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters
Product: Debt collection

XXXX XXXX XXXX is contacting me about a auto loan from Santander Consumer. Santander had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to XXXX XXXX with whom I have never done business. I keep getting harassing calls and threats from this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted Experian about the account in question. They also acknowledged this is inaccurate, along with theaccount reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? I want this removed immediately. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I ran my credit report today, I found some unauthorized inquiries on my credit report. I haven't been in search for or applied for a new job. Can we please get these off of my reports.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. 
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is mines, if you can not provide me with this information in 15 days update the account to be removed Late send me a copy of my updated credit report. Thanks
Product: Credit reporting or other personal consumer reports

The credit reporting agency has published false personal information about me. My full name is being reporting wrong as well as my address.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I sent payments of {$200.00} each to pay for items purchased from seller. After numerous attempts to get products ordered, the seller agreed to a refund. After numerous attempts to get refund went unanswered I contacted XXXX and my Bank of America for help getting refund. Temporary refund was given to me while investigation was done. Proof was given to bank which clearly showed that the seller agreed to a refund but never gave me one. The bank apparently worked with XXXX to retrieve my funds but XXXX disputed the case by sending in proof that I made the payments. The bank then sent me letters stating my dispute was closed and the temporary credits were going to be reversed on XX/XX/XXXX and XX/XX/XXXX and i need to contact the seller. Im frustrated and angry the bank that I have been with for over 20 years does not have my back when it comes to this situation. The dispute was not whether or not I paid, the dispute was I didn't receive my goods that I purchased. So for them to dismiss my claim because XXXX sent then proof that I made the payments is simply ridiculous to me. I am a single struggling parent that does not have money like that to just let go. Im fighting because I need and my child needs my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying Transunion,   XXXX   and   XXXX   that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal  duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.