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

I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from TransUnion dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for TransUnion or XXXX. My credit score based on XXXX XXXX for TransUnion is XXXX and XXXX  credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Product: Debt collection

I called I.C. System Inc. reference no. XXXX XXXX XX/XX/year> and spoke to a representative about the debt not being mine. I have no contract with this company. I have never done business with the company. They are not registered to collect in the state of XXXX  to collect.
Product: Credit reporting or other personal consumer reports

I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15.

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and TRANSUNION ) and request that the accounts be updated to reflect a positive status.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax and transunion data breach below in attachment
Product: Credit card or prepaid card

In XX/XX/XXXX, I requested a balance transfer of {$3500.00} from my capital one card to go to my XXXX XXXX XXXX  card online. XXXX sent a paper check to capital one and they cashed the check. The payment posted to my XXXX card but the payment was not applied to my capital one card. I received a letter from XXXX on XX/XX/XXXX saying that the balance transfer was done with an account number ending in XXXX which is not my account. My capital one account ends in XXXX. I contacted XXXX and spoke with them on the phone and they did a three-way call with Capital One and they werent able to help us on the phone. XXXX submitted an inquiry to investigate the balance transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX that they are unable to request the money back from capital one because the balance transfer returned was declined because the funds were received by capital one. I called XXXX the when I got this letter and once again explained that the payment was never posted to my capital one account. They submitted a second inquiry to investigate the balance transfer and told me I would hear back in 10 days. Today is XX/XX/XXXX and I had yet to hear back from XXXX regarding the second balance investigation inquiry. The original letter I got from XXXX on XX/XX/XXXX said that I had to contact capital one to handle this further. I contacted capital one today and spoke with a customer service member and then also escalated to a supervisor or a senior balance transfer employee. She was not helpful because all she did was continue to repeat the process and that I had to go through the XXXX bank and they had all the tools necessary to handle this issue. She refused to help me even though I told her that I had a letter from XXXX that showed that capital one processed the payment. So then after dealing with her I called XXXX and they were not able to help me either because they said that this was on Capital One. So now I am caught in the middle between two banks who claim they are unable help me because they keep pointing the finger at the other company who they say have all have the tools to assist me with this process. The bottom line is that XXXX paid capital one {$3500.00} however capital one never applied that payment to my account and capital one is saying that they can not investigate it because they have no way of figuring out where the money went however they said that if they were able to figure it out that they are legally responsible for return those funds back to XXXX. I need some help to resolve this because now I owe {$7100.00} instead of {$3500.00}. I am looking for capital one to refund the {$3500.00} that they processed but did not post to my account. XXXX has proof that capital one cashed the paper check that was sent to capital one. Neither company is willing to escalate this and claim they cant do anything. I would appreciate any assistance on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Sent a request for debt verification showing my signature on a contract with Caine and weiner have not received anything
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported on those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.
Product: Mortgage

Rocket Mortgage is absolutely a deceptive company and purposely misleads you, more so they try to hold on to your money as long as they can. 

I have now called over 4 times the last 2 weeks to get the escrow refund that I am due from taxes. I request this refund 2 months prior when the tax payment was provided and was told I would have to wait until they paid the tax bill to receive not the refund of the escrow I was requesting but an analysis which would have an effect on my monthly payment ( nit hat I was asking for ) This is not what I requested, I only wanted the tax payment made and the overage returned. I started requesting this in XXXX when my tax bill was out and Rocket would not make the payment until XXXX, how is this okay? 

I was told on various these calls : I would need to call back after the payment was made It would take a week to do the analysis to then be able to receive the overage The analysis would be completed on XX/XX/XXXX It would take up to 10 days to do the analysis The analysis would be completed on XX/XX/XXXX The analysis would be completed on XX/XX/XXXX and the XX/XX/XXXX would be the posting date I spoke to the XXXX office a few times to no avail. 

It is XX/XX/XXXX and I have not received any completion information, or the refund notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to work with XXXX ( along with XXXXEquifax ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 

Even so, I have sent these letters myself now on 4 occasions ( XXXX XXXX XXXX XXXX ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions.

One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). TransUnion has failed to remove a late payment from my XXXX XXXX XXXXXXXX account XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, TransUnion was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, TransUnion has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request that TransUnion urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with TransUnion and XXXX XXXX XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

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

I submitted my first request of disputes on XX/XX/2020 with follow ups on XX/XX/XXXX XX/XX/XXXX and XX/XX/2020 and i have no received any letters as replay or any updates my request is been ignore from this company. see attache all the letters ent, and my ID that also have proof of my address i also sent that to this company. 

this company keep reporting inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mines : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, phone number to be removed XXXX XXXX
Product: Mortgage

THEFT BY FINANCIAL INSTITUTION. 
Re NEW REZ ( formerly DITECH ). On XX/XX/2022 Regular payment in amount of {$1800.00} and additional payment of {$6500.00} as principal reduction was debited from my Bank totaling {$8400.00}. When I received XXXX statement amount of {$1800.00} was posted as regular payment only. On XX/XX/XXXX I called NEW REZ customer service asking why additional principal payment is not reflected on my mortgage statement and Customer service representative said that they do not have any information about any additional funds which I have made and they have dismissed my inquiry. 

This is not a first occurrence with DITECH perhaps such conduct put that company into the bankruptcy few years ago. NEW REZ is on the same path. 

What happened to {$6500.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 RISE credit did an unauthorized hard inquiry on my XXXX report. I have never applied for credit from RISE.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
OnXX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I wish to formally express my profound concern regarding Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit highlighting systemic platform deficiencies. Despite numerous prior uses of Zelle and reported discrepancies, my financial institution and Zelle have failed to adequately investigate my claims. I have been informed that recovery of my lost funds is impossible and transaction tracking is infeasible. The CFPB 's findings suggest Zelle has not only neglected its duty to protect customers but has also enabled repeat offenders to exploit the platform, leaving users vulnerable to fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company MONEY MART account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and XXXX  I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.
Product: Debt collection

I rented the storage unit in approximately XX/XX/XXXX, after losing my apartment to a {$650.00} rent increase. I rented the storage unit for {$110.00} per month. The rent was raised to {$120.00}, thereafter to {$140.00} and finally to {$180.00}, before I received notice earlier this year that my rent would increase to {$250.00} per month. I went to the office to explain that I could not abide such an increase with the rent on my apartment having gone up. The staff at the unit gave me a reprieve and didn't raise my rent to {$250.00} per month ; however, in XX/XX/XXXX, I realized that I would no longer be able to pay the storage and pay my rent - one of them had to be released. I explained that I would not be able to move everything out within the XX/XX/XXXX deadline, because I was moving alone - and at XXXX XXXX XXXX, that was just too much heavy lifting for me. The last item that I left in my storage unit was a bicycle. I removed that bicycle at XXXX on XX/XX/XXXX. I was told by management that since I accessed the storage unit during that day - I was then responsible for the entire month. 
Here is my complaint- why is XXXX XXXX allowed to charge me rent for a storage unit that I've moved out of? 
Why is XXXX XXXX able to charge such high rates, yet they are not forced to report good payments to the credit bureaus - yet they have access to report debt to the credit bureau. I called the district manager, XXXX XXXX XXXX, trying to negotiate this debt with her and I drove over to the facility on several occasions and she didn't respond. I just paid the debt in order to avoid collection, but that payment has placed a financial strain on me.
Product: Credit card or prepaid card

I received a credit card to pay for a piano with no interest if paid in full over as far as I recall 18 months. I had Synchrony bank set up automatic payments to complete the payments within that period to avoid interest charge. They set it up, accordingly. The statement I received on the XXXX of XXXX showed an increase in balance. I called Synchrony Bank on the XXXX of XXXX thinking that my card was used by someone else. It turns out, automatic payments were not set up right so I was charged interest. I called Synchrony bank, on the next business day. The person I talked over the phone explained that it was not a problem as long as I make the payment for the remaining balance of {$650.00}. I. paid it the remaining balance right away on the phone. All of these conversations were recorded. Despite the incorrect set up of automatic payment by them and despite what they told me over the phone that it was still in the grace period for no interest as long as I finish off the balance, they keep sending me bills to pay the interest fee. 
This is not an isolated case. The internet is filled with complaints about Synchrony bank with similar cases. They set up automatic payments incorrectly on purpose and lie on the phone that if paid no interest would be charged, yet they still charge you for interest despite that is due to them setting up automatic payment deductions incorrectly. They should be sued. If this case is not resolved here, I will take them to court by myself. 
I attached two pictures showing the bank statements for automatic payments and the payment I made over the phone.