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

On XX/XX/XXXX, I got a notification from Experian about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Product: Credit card

I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to BoA and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank- store XXXX- new car XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

National Credit Systems ( XXXX, GA ) is attempting to collect a debt owned to XXXX  XXXX  ( XXXX, MI ) for XX/XX/XXXX. I discovered this collection on XX/XX/XXXX on a periodical review of my credit reports. I contacted National Credit Systems and was informed this collection was a result of failed payments on a lease signed XX/XX/XXXX. After reviewing these documents I discovered this signed lease extension was done fraudulently with my forged digital signature. I was a resident of XXXX XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX was added to the lease with the intention of becoming primary lease holder. My information was to be dropped from the lease. The last communication I received from XXXX XXXX  was on XX/XX/XXXX. No attempt was made to contact me via phone or email to extend the lease. I have filed a police report with the XXXX XXXX  XXXX ( XXXX, MI ). I also signed an affidavit with the Federal Trade Commission regarding the identity theft. 

XXXX XXXX claims that they have no record of the collection, as they changed parent companies. Their former parent company XXXX XXXX XXXX ( XXXX, GA ) is unreachable to discuss this collection. National Credit Systems has not been helpful at all in this process and have been using scare tactics to get me to pay this debt, which is a result of identity theft. Attached is the police report and FTC affidavit.
Product: Debt collection

They are currently a collection on my credit from this company when I never had any debt. This is a company that collects past due rent from rental properties but I never rented anything as the appartement where we currently reside has the lease under my husband. I'm not on the lease and was never on any lease. I immigrated to the US in XXXX so I have never rented anything in US. We contacted the appartement complex where we currently live and they told us to contact the company as they didn't know why my information was reported as collection. We contacted the company and nothing could be done. I'm currently in the process of purchasing an house and I need that false report removed from my account asap.
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the proper s teps, 1. notify creditors 2. police report 3. informe d the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.   XXXX   sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding.  XXXX   XXXX  has an entirely different name and for some reason, the bureaus like   XXXX   are still allowed to perform this way without consequences. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

I am being charged for cash interest also purchase interest at a very high rate. I did not get any cash out, not sure why wellsfargo is still have me pay for a high interest rate on Cash. Example {$64.00}, for purchase and {$84.00} for cash, which I haven't gotten out. That's {$140.00} a month on high interest, I had to close that account because of this and can not make payments due to my hours being cut do to covid.. need a way to lower payments to continue to make payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit card

Hello, XXXX XXXX XXXX ( issued by Comenity Capital Bank in XXXX, OH ) charged me an incorrect interest fee on my XXXX XXXX statement. The amount was {$220.00}. 

This charge is incorrect because on XXXX XXXX, XXXX, I made a FULL payment, which was 19 days before it was due. Hence, the account balance was at {$0.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, a FULL day AFTER the acct was reduced to {$0.00} balance, I began to make NEW purchases for XXXX. 

Since the NEW purchases were made AFTER a {$0.00} balance was in place, it is NOT right for Comenity to assess interest on the new purchases. 

Had I not fully paid off the previous carried-over balance on XXXX XXXX, and I still proceeded to make more purchases, then I should pay interest on those new purchases as well. Again, the new purchases were made, starting from a {$0.00} balance. 

I want Comenity to REFUND me the {$220.00} interest charge, PLUS a 7 % XXXX ( current prime rate ) on this money that they shamefully took from me. 

( Please see attached statement w/ some info blurred out ) Thank you for your time and help! 

Best regards, XXXX XXXX
Product: Mortgage

I'm currently not working because of the XXXX XXXX has stop me from working as i am XXXX XXXX XXXX because parts that can't be brought over from other countries. I have not worked since XX/XX/year> because of this my house will be foreclosed i believe within the XXXX XXXX or so for {$2200.00}. This will be temporary as I will be back to work soon but do not have a date.
Product: Vehicle loan or lease

Flagship Credit Acceptance has been harassing me via telephone with multiple phone calls during the day and night in regards to a vehicle that I was last told via phone would be repossessed.

I was told by several agents at Flagship Credit Acceptance that there was nothing they could do to help me and an active repossession was in place. After that time Ive been called daily from multiple numbers and all hours of the day. 

As of today, they are in direct violation of my privacy and all aspects of the FDCPA, because I was contacted by a lady which is not a relative or friend of mine and she is definitely not one of my references given to Flagship Credit Acceptance. This is a XXXX XXXX XXXX elderly lady living in an assisted living home, according to her, and XXXX from Flagship called her and left a voicemail with my name, his name and Flagships number for her to let me know he called. She contacted me and sent me a screenshot of the voicemail transcription she received. 

UNACCEPTABLE! 

I have never been approached by anyone trying to repossess the vehicle, nobody has ever came to my home and knocked on my door and now they are harassing elderly people that has no relation to me at all! 

Then I answered a call from XXXX this morning and I asked why did he call a stranger and where did he pull that information from? He didnt answer any of my questions and told me You want us to call other people and give out all of your information? I said you can try, but its absolutely against the law and you would be sued if you do so. He said, Ok then, thats why we keep calling you. My question is for what? Ive already been told the car would be repossessed, why are you now harassing me and other people? Especially an elderly woman?! Im beyond disgusted and frustrated. It should have never gotten to this point. Im not putting up a fight with a repossession and they arent doing anything but constantly flooding my phone with calls. There is nothing further to discuss after I was told the car would be repossessed about XXXX weeks ago. 

They are in violation of my privacy and harassing me as well as strangers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account. 
XXXX, XXXX. Trans Union has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also States a consumer Reporting agency can not furnish a account without my writing instructions.
Product: Student loan

Edfinancial 's timeline for loan refunds is so weird compared to other loan companies. They say 120 business days after the request for the refund to process, and then another 60 business days after that to actually get the refund, and my balance on their website hasn't updated. My sister 's loans at XXXX  only took three weeks to get, and I have seen similar stories elsewhere.
Product: Debt collection

CONVERGENT OUTSOURCING XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several hard inquiries that I did not recognize. I have received no confirmation from Experian with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian has violated my rights to privacy, and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.
Product: Debt collection

Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.
Product: Mortgage

Purchased home on XX/XX/XXXX with financing through XXXX XXXX, loan ID XXXX. The Mortgage was sold to Amerihome, Mortgage, acct. # XXXX with the 1st payment due onXX/XX/XXXX. I received a property tax statement from XXXX XXXX dtd XX/XX/XXXX bill # XXXX and map # XXXX indicating that XX/XX/XXXX taxes were not paid and that a penalty of {$54.00}, interest of {$27.00} and other fees of {$32.00} had been added due to non-payment. I immediately call Amerihome customer service and spoke with XXXX ( no ext. #, no last name, no direct telephone # ). I was assured that the taxes had been paid inXX/XX/XXXX by check in the amount of {$1000.00} and that all " extras '' were taken care of by Amerihome. I trusted Amerihome -- never again! I received a statement from XXXX XXXX stating that the XX/XX/XXXX taxes had not been paid and to ignore statement if this was not the case. Again, I called Amerihome and home and spoke with customer service and was assured that this was taken care of and not to worry that all was paper-work catching up, etc. When I received a notice for my XX/XX/XXXX Property tax in XX/XX/XXXX and the notice indicated that the XX/XX/XXXX taxes had not been paid, I went to the tax office and discovered that Amerihome had paid someone else 's taxes. The difference in the map # was MINE -- XXXX and the one that had been paid was XXXX. I called Amerihome and spoke with XXXX who told me it would take a few weeks to correct. OnXX/XX/XXXXI called back and spoke with XXXX ( Supervisor ) that told me it would be 2 weeks to 1 month to correct. Both assured me that all penalties, fees, additional taxes, etc. would be paid by Amerihome. I called on XX/XX/XXXX and spoke with XXXX ( Supervisor ) who told me the issue was in the Legal Description Dept. and that our house payment would be adjusted and all issues would be resolved During one of my conversations, I requested the XX/XX/XXXX and XX/XX/XXXX statements. They are not showing in the computer system and was told copies would be mailed. I received XX/XX/XXXX& XX/XX/XXXX instead. To date, I do not have the XX/XX/XXXXstatements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted any thing off your credit!!!! 



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



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

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.
Product: Credit reporting

I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Failure to Review Updated Dispute Documents I am filing a complaint against Equifax for failing to review my updated dispute documents regarding the removal of adverse credit information under FCRA Section 605C. 

On XX/XX/year>, I submitted my updated dispute through XXXX system and received confirmation ( attached ) that my documents were received, including : FCRA Section 605C Self-Attestation Form Victim Determination Documentation ( XXXX XXXX XXXX ) Proof of Identity Supporting Legal and Regulatory References However, within hours, Equifax denied my dispute, erroneously requesting additional information. Their response references an entity that was NOT mentioned in my updated dispute but was included in a prior submission. This strongly suggests that Equifax did not review my updated documents before issuing its denial, violating its obligation under FCRA Section 611 ( 15 U.S.C. 1681i ) to conduct a reasonable investigation.

Additionally, under FCRA Section 605C, Equifax is legally required to block and remove adverse information related to human trafficking upon receiving proper documentation. Their failure to investigate and comply constitutes a violation of consumer rights and federal law. 

Request for CFPB Intervention I request the XXXX intervention to ensure that Equifax : Properly reviews my updated dispute documents. 
Complies with FCRA Section 605C and removes the adverse credit information. 
Provides a valid explanation of why my updated documents were not reviewed before issuing the denial. 
Please review the attached dispute submission, confirmation of receipt, and Equifaxs denial as evidence of non-compliance. I appreciate your assistance in ensuring Equifax follows federal law and upholds consumer protections. 

Sincerely, XXXX XXXX
Product: Debt collection

TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX MN
XXXX

 HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $2358.00. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.