23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I need help enforcing the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 consent. Federal law overrides any company policy, Pursuant to consumer law 15 USC 1681b-permissible purpose. This company is listed on my consumer credit report several times. I want them removed from all 3 credit reporting bureaus. I have filed an FTC complaint # XXXX
Product: Credit card or prepaid card

In XX/XX/2019, I surprise received a credit card from Lowe 's provided by Synchrony but I didn't register anything.

In XX/XX/2019. I received a bill from them for the amount of over 600 . I make a claim and check with Synchrony that is not by my SSN In XX/XX/2019. I continue received a bill from them for the amount over 800 . I countinue to claim with Synchrony bank.

In XX/XX/2019. I received the " denied letter " from Synchrony for my claim.
Product: Debt collection

XXXX XXXX XXXX  joined XXXX XXXX XXXX XXXX  in predatory lending practices in 2006. 

The accounts that were opened were then transferred to XXXX, without my consent allowing them to gain from the sale.. 

XXXX has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX Allied Interstate a debt collection company contracted with XXXX to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was .... 

The amount I have paid including interest ... ... 

Was not included in the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response CFPB Case # XXXX is attached. Their response is incomplete, incorrect, and a misinterpretation in part. 
The purchases did not have my permission after cards were stolen. The fraudulent payments did not have my permission that then allowed the credit limit to be exceeded. This can be easily proven with the payment information that XXXX XXXX claims they no longer have access to.???? Unbelievable! Multiple and thousands of dollar fraudulent payments from a fraudulent account and not my account but XXXX XXXX claims to have done a thorough investigation. So yes, XXXX XXXX allowed the accounts to exceed the credit limit without my permission. 
If I had made any payments on the card after the card was stolen, it would appear and XXXX XXXX would be saying I accepted the debt. I was prevented from making payments ON THE AMOUNT I OWED because XXXX XXXX was disorganized by canceling the card, charging off the card, AND THEN COMPLETED THEIR INVESTIGATION AND REDUCED THE AMOUNTS DUE ONE YEAR LATER. So yes, I was prevented from making payments ON THE AMOUNT I OWED. XXXX XXXX should have immediately completed their investigation INCLUDING THE METHODS OF MULTIPLE SUCCESSIVE LARGE FRAULENT PAYMENTS MADE ON THE ACCOUNTS INSTEAD OF WAITING ONE YEAR LATER. XXXX  XXXX did damage by reporting me negatively to the credit reporting agencies going on 4 years while overlooking overlook their inadequacies. XXXX XXXX further exacerbated the problem by selling off the debt to a debt collector for pennies on the dollar who is now suing me.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the 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.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report.
Product: Mortgage

CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account ( Capital One ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Product: Bank account or service

I am the executor of my late mother 's estate, XXXX XXXX XXXX. I am in the process of distributing the assets in her account to her heirs, me and my brother. The attorney handling her estate advised that a " distribution in kind '' be done to prevent incurring any tax liability. 
I contacted their investor services twice to determine what the proper process and procedure is to affect this change. On both occasions I was advised that I had to use a Wells Fargo advisor in order to do this. None of the other mutual funds that she has require me to do this. 
I feel that this is Wells Fargo 's way of generating more income by imposing fees just for filling out paper work.
Product: Credit reporting or other personal consumer reports

I am writing to seek the assistance from you in resolving issues related to my credit report. Despite my repeated attempts to rectify these matters with the respective financial institution, the inaccuracies remain unaddressed. Specifically, I am facing problems with the correction of a late open account and the removal of an erroneous charge-off account. I have noticed an account listed as " late open '' on my credit report. This is incorrect, as I have consistently met all payment deadlines. Despite multiple disputes submitted directly to the financial institution, this error has not been corrected. The continued presence of this inaccurate information is adversely affecting my credit score and financial health. There is a charge-off account on my credit report that is incorrectly reported. I have provided the financial institution with all necessary documentation proving that this account should not be listed as a charge-off. 
My attempts to resolve this matter directly with the institution have been unsuccessful, as the charge-off remains on my credit report, causing significant distress and financial difficulty. I am requesting the CFPB 's intervention to ensure that these matters are resolved in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported to credit bureaus. The ongoing presence of these inaccuracies is a violation of my rights under the FCRA and has caused me undue hardship.Please help me orrect the late open and remove the charge off accounts immediately : XXXX. XXXX XXXX Balance Owed : {$4000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke to a rep named XXXX about a double payment of {$350.00} taken for my car loan on XX/XX/XXXX, had her check that there weren't any more payments since they weren't on my portal, and she said I only had XXXX for XX/XX/XXXX and XX/XX/XXXX, and refunded the extra payment. On XX/XX/XXXX, a double payment of {$350.00} was withdrawn again. I spoke to XXXX again, who told me I had to wait until XX/XX/XXXX to submit the request, and an additional XXXX business days to receive the funds. I asked why she told me I had no more duplicates, but a second still withdrew. She told me " The payments received on XX/XX/XXXX were scheduled on XX/XX/XXXX and XX/XX/XXXX. We apologize for the information previously provided. We do not show a future dated payment for XXXX. '' and told me to set up autopay. I told her I needed the issue fixed first and asked her where my XXXX payment went. I was transferred to XXXX who told me that scheduling payments can confuse the system and she didn't see any more set up, so if there was a duplicate, the system canceled it. I said " So, just to confirm, the XX/XX/XXXX payment I scheduled a couple of months ago, that XXXX told me was still scheduled when we spoke on XX/XX/XXXX would have been automatically canceled by the system as a mistake since I was not the XXXX to cancel it? '' She said " Our system would have notated the attempt to duplicate the payment at the time. Thus, causing the cancellation, yes. This is correct. I show no pending, future-dated, or pre-scheduled payments on our end for your account. ". So I set up autopay. On XX/XX/XXXX, XXXX payments were taken again. I spoke to XXXX, who told me I had payments scheduled for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I told her about the previous conversations and that I couldn't afford to wait for the refund again. She apologized and said I have XXXX more payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, and offered to cancel those and report the previous conversations, but said that they still require payments to be posted for 4 days before a reversal can be submitted and can not expedite it.
Product: Credit reporting or other personal consumer reports

ADDRESS BEING REPORTED ON MY FILE THAT IVE NEVER BEEN ASSOCIATED WITH.
Product: Credit card

Since opening my account, I have called Chase several times regarding my XXXX XXXX club number being incorrect in their system. However, each time the agent shares that they have updated it, it has not been updated. As a result, I have not received any XXXX rewards points for the entire time I have had this card open. Each time I call ( weekly since XXXX ) Chase advises me to call XXXX and XXXX advises me to call Chase. 
The correct number for my XXXX executive account is XXXX. Chase removed the XXXX so the points are going to a different customer.
Product: Credit reporting

I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken.
Product: Debt collection

I disputed and requested validation with Calavry Portfolio Services LLC. I requested that they show proof that they are licensed to collect in my state ( Tennessee ), detailed billing history for the account, amount owed and how it was calculated, and the agreement because I am not aware of who they are. The first letter they sent stated i owed them or a debt had been sold to them. After i asked for validation they sent me nothing stating that they are able to collect in my state and a balance of XXXX with clumps of what seems to be nothing but paper and saying that it is valid. There was over XXXX pages that are either blank or has homedepot advertisements and nothing else on it. One page stating regulations for California, Colorado, Massachusetts, Minnesota, New York, Utah, and North Carolina. but nothing about if are you licensed to collect in Tennessee. I sent them another certified debt verification letter on XX/XX/XXXX to make sure i had proof that i had tried to communicate with them. I did get a response on XX/XX/XXXX for my first request and it had nothing i asked for. I will be waiting to see what the response is for the certified letter I sent them on XX/XX/XXXX Company Name : Cavalry Portfolio Services Address : XXXX XXXX XXXX XXXX, CT XXXX First letter they bought or sold things. I think it was XX/XX/XXXX. I sent a letter back asking them for validation. 

Date I received my first response was XX/XX/XXXX they said i owed XXXX. How did they come to that amount? how was that calculated? 

Sent over XXXX pages of fluff. - blank pages - homedepot advertisement - internet printed credit card agreements ( it looks like someone just printed a random agreement off the internet ) - and more blank pages I sent another debt verification to them on XX/XX/XXXX certified mail because i had no proof i sent them anything and did not want this to escalate. I am currently waiting on my response. Certified letter should reach them XX/XX/XXXX. I hope that they send me actual documents and not over XXXX pages of fluff. I would prefer this ends here and they remove it off my credit, not sale/buy anything that i did not give them permission in the first place to anyone else. I would prefer a letter in writing that this is done as soon as possible.
Product: Credit card or prepaid card

I have had numerous ongoing issues with PayPal Credit as well as my PayPal Credit Mastercard. 

The majority of the issues stems from billing disputes, whether found in my favor or not, I do not always get the money returned to me. I have issues as well with denied disputes and errors made during the appeal and escalation process and I have made numerous contacts over the years because this has been costing me money, in lost refunds never returned to me from PayPal. Even when I have managed to resolve issues on my own independently and get the merchant to eventually refund me, PayPal will credit the wrong account, some other account that they did not take the money from in the first place. They have also debited the incorrect account, and take more than was in the account, even though that particular account had no relationship whatsoever with the account in dispute. I will include several attachments so that you can see what has transpired. I have made my last call today and sent my last emails to escalate and remedy any and all of these issues. Even with admittedly owing me {$150.00} they still have not returned this in over three years, and that will be attached too.
Product: Vehicle loan or lease

XXXX XXXX XXXX of XXXX XXXX, NY in collaboration with XXXX XXXX XXXX XXXX scammed me of XXXX. On XX/XX/2016 I purchased a XXXX XXXX I was told if I could put down a large down payment they could work out a good deal for me ( in which I would make monthly payments and at the end of the payment schedule the vehicle would the paid in full ; also XXXX itself would finance the vehicle. I put down XXXX which was suppose to cover the financing and part payment towards the vehicle. I and my daughter reviewed a contract which documented the above. I was given the buyers copy and other papers pertaining to the purchase in a folder upon leaving the dealership ( approximately ) 2hrs later. I made on time payments to XXXX totaling XXXX at which time I was expecting a clear title. I was then blindsided by XXXX XXXX XXXX XXXX as I was told I owed another XXXX. They told me I signed a contract with what is called a balloon. I and my daughter told them that I did not ; and the reason I gave them XXXX was not to such payment. My compliant was ignored ; the buyer copy given to me does not reflex the contract I agreed to sign. I have also since learned from my current broker the financing company ( under the contract that I didn't agree to sign ) was allowing the dealer to up sale the vehicle by almost XXXX repossessed my vehicle. I felt I had no choice as I was already XXXX in so I ask if I could work out something ; at least I would have something for all the monies I paid and they refused. They repossess my vehicle after I had paid XXXX for a vehicle that was valued at XXXX. Oh, I also since learned the car was suppose to have a window sticker and it didn't therefore I didn't realize even under the contract I agreed to sign I was not getting a good deal. I am a XXXX XXXX XXXX of XXXX yrs. I would have never expect a company like XXXX to rip me off. However I have now I know they are a scammers. XXXX account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account XXXX XXXX ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Product: Payday loan, title loan, or personal loan

This company Atlas Credit from XXXX, Tx has been harrassing me at my job. I can get fired.
Product: Money transfer, virtual currency, or money service

I attempted to send a plumber {$200.00} for a job he did for me on XX/XX/XXXX. He told me to send it to his girlfriend since he did not have Paypal. I did and in the comments field I mentioned his name so I would remember what it was for. Transaction ID : XXXX Paypal put the payment into pending status and requested I provide the plumber 's date of birth due to regulations they have. I asked the plumber but he refused to provide me proof of his DOB. At this point I explained this to Paypal numerous times that I could not provide this information and asked to just have the payment cancelled. They always repeat that they need this information and the case can not be closed until I provide the information. The Paypal website mentions case reviews as taking 30 days maximum but I have been waiting 99 days now. I have no other recourse to get my money refunded. Please help. Thank you.
Product: Credit card

I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.