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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE 2 FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Product: Credit card

On Tuesday night XXXX the XXXX I tried to make a purchase using my Capital One credit card, but it was blocked. I then contacted Capital One about why this was happening, I was then told that the deposit of XXXX dollars to get the credit card had been returned back to the bank. I couldn't understand that because Capital One had already sent me XXXX credit cards and said that the deposit for XXXX dollars was paid and accepted by both Capital One and the Bank. Plus I had already used some of the money in the XXXX dollar credit limit. Also this had taken place over 3-4 weeks. I asked Capital One why didn't they verify with the bank that the deposit payment was approved, they told me it was initially, but later on 3-4 weeks the bank took back the deposit payment. The problem I have with this is how Capital One handled this whole process at no time did Capital One inform me of this until on Tuesday night XXXX the XXXX which was 3-4 weeks after they sent me XXXX credit cards in the mail and I used some of the Credit limit to make purchases. Also Capital One had canceled the XXXX Credit Card they sent me before I ever got it. Then they had to send me the XXXX XXXX. I want Capital One to open my account and activate the Credit card they just gave me the one I have now!! As far as the deposit I believe Capital One has received it and approved it.
Product: Vehicle loan or lease

I contacted Ally Auto ( subsidiary of Ally Financial ) regarding placing my vehicle on loan through them in storage, in order to be able to reduce the insurance cost and not be penalized. My first contact with them was around XX/XX/2020. I reached out via their chat system to inquire about what the process was for completing this. They told me that they would submit a request for a letter of storage approval to be mailed out to me, and I would receive it in 7 to 10 business days. 

Around XX/XX/XXXX, I had received nothing in the mail. So I reached out to them again regarding this matter, asking for a status update. This was again via their chat system. The representative told me that they needed more time, and to please allow for 7 to 10 more business days. I ended the chat, and began waiting again. 

On XX/XX/XXXX, more than a month after my initial request, I still had received nothing via mail. This time I called their customer service line, asking for another status update. The customer service representative placed me on hold to check the status of what I had requested. They came back and told me that there was never a request in their system for a letter of storage approval. They said that they would place the request, and to please allow for another 7 to 10 business days. That same day, I also submitted a complaint to their customer service department, and it said that if they received a negative feedback, I would be contacted via phone in the next 1 to 2 days. I never received a phone call back. I also have not received any letters in the mail regarding placing my vehicle in storage. I'm coming on close to two months, and I have now paid an extra couple XXXX dollars in insurance for a vehicle that I am currently not driving.
Product: Credit card

I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/2023, XX/XX/2023 and XX/XX/2023 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 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: Mortgage

Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section XXXX ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Torrid sold my account illegally along with all of my private and confidential information Including my Date of birth, my social security number, my phone number, my home address, place of work, family members information as well. I never authorized this transfer of information and its a violation of my right to privacy. I have requested the documents proving the illegal transfer of debit, I have requested my wet docs. 
I have requested my 1099C because they illegally sold the debit and claimed it on their tax return as lost income ( which is Fraud with the IRS by the way ). 

Because they are refusing to furnish the requested documents. 

By law this has to be deleted from my credit report. 15 USC 1681 It is illegal to sell customers private and confidential information.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX account # XXXX days late on XXXXXXXX XXXX
Product: Mortgage

All of a sudden out of no where without my knowledge XXXX XXXX  sold my Mortgage to SLS mortgage company in XX/XX/XXXX. SLS says I missed the XX/XX/XXXX payment so I couldnt keep up and now my credit went down and I had to pay an extra payment to keep my northern up to date it took me until XX/XX/XXXX to pay the extra payment which means I paid two mortgage payments in one month
Product: Mortgage

Spoke with ShellPoint Sent letter to be updated regarding ownership of property NOT beneficiary which is what Shell Point Servicing Ownership Taxes Need letter for verification/finance purposes
Product: Credit reporting

There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two tax liens that were satisfied and released on my credit report with Equifax. I faxed them the release from the IRS on both liens. The lien and the release has different numbers. Instead of updating the report and removing, they took the release document as a third lien and put it on my credit file as a 3rd lien. They made a mistake, I called 5 times today to fix it, was hung up on all 5 times. They refused to remove their mistake even though they admitted no one reported a third lien. Its their mistake, its a fraudulent lien they created and put on my file and refuse to remove. They all need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB 2 XXXX XXXX  charge offs Balance {$520.00} and {$2400.00} FCRA violation This is not a duplicate request. I am putting each issue on a separate complaint since Equifax doesnt bother to read the complaints.

Violation of 15 USC 1682 ( a ) 4 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The above law indicates that Equifax is to have a grave responsibility with fairness impartiality and a respect for my privacy. The truth is Equifax doesnt read the consumer complaints and in my case they actually lied about the investigation. This is not fair and its not impartial. The misconduct was determined in XX/XX/XXXX where my account was researched and there was no investigation completed. I had requested in XX/XX/XXXX for a thorough investigation to be done because of numerous inaccuracies on my XXXX XXXX  charge off accounts. The inaccuracies remain so I made another request for an investigation in XX/XX/XXXX. Equifax claimed that they completed the investigation, but even in their wordings all they did is check the balance and let me know what the balance was even though that wasnt the relevant information. They did not correct the inaccuracies because they didnt actually do an investigation and instead lied about it.The FCRA states that they have a grave responsibility to be fair, impartial and accurate but instead they were self serving, dishonest and impartial. Instead of treating their grave responsibility with fairness and accuracy they conduct a sham investigation due to lack of oversight or consequences. Instead the consumer suffers.

For these reasons, I am demanding that the two XXXX XXXX  charges be removed from my credit report immediately
Product: Checking or savings account

I issued a dispute on XX/XX/XXXX at XXXX for an unauthorized transaction in the amount of {$310.00}, and gave proof of the hotel policies showing they were suppose to refund that amount. On XX/XX/XXXX Ally Bank claims I authorized the transaction. The representative said she wondered why the transaction was reversed as well when I talked to XXXX this morning on XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and was reported without my authorization or consent. Specifically, I am referencing the entry listed under the account number [ insert account number or description of item you dispute ] in my credit report.

According to 15 U.S.C. 1681b, a credit reporting agency may only furnish consumer information to third parties with the consumer 's written consent or when otherwise permissible under the Fair Credit Reporting Act ( FCRA ). I do not recall ever providing written consent, either directly or indirectly, for the reporting of my information to your bureau or the furnishing of my information to any third party.

In addition, under 15 U.S.C. 1681e ( b ), it is required that credit bureaus maintain and ensure the accuracy of all information reported. Since I have not authorized the reporting of this account, I request that you immediately investigate this entry to determine its origin and accuracy, and provide documentation to confirm that my written consent was obtained prior to reporting my information.

Please investigate this matter in accordance with FCRA regulations and provide me with the results of your findings. Should you fail to provide the necessary documentation or if you are unable to verify the accuracy of this information, I request that you remove the disputed entry from my credit report. 
In compliance with the FCRA, I expect a response within the legally mandated 30-day period from the receipt of this letter.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). 

Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. Transunion Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account ahead of time and made addtional payments, on XX/XX/XXXX I made a ontime payment and it was processed, the company due to the covid XXXX processed the payment late and reported me XXXX payments behind. I have sent them certified mail and they do not respond to any requests I have made they only will send text messages. This is gross error and should not be reported late on there failure to process the payment. I am formally requesting my credit report to show current and no late payments for the month of XXXX or beyond. The payment was not greater than 30 days and was overpayments have been made throughout the course of the loan. Gm financial is practicing illegal reporting tactics.