23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Address XXXX XXXX XXXX XXXX sc XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer Us Auto Sales went bankrupt and my information was sold to a third party company which I didnt not signed a contract with westlake portfolio has stolen my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX ) XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Product: Credit reporting, credit repair services, or other personal consumer reports

American express is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but American Express keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Product: Mortgage

I refinanced my loan on XX/XX/XXXX with Loan Depot. At closing, Loan Depot determined that I do not need a separate home owner 's insurance since my HOA provided coverage. Then, I received a letter from Loan Depot dated XX/XX/XXXX ( two months after closing ), that if I do not provide proof of home owner 's insurance, I will be forced to pay theirs. That I did not need my own separate home owner 's insurance is confirmed in an email with my loan processor XXXX XXXX on XX/XX/XXXX, and later further confirmed by the customer service associate, XXXX XXXX in an email on XX/XX/XXXX. Regardless, I got home owner 's insurance starting XX/XX/XXXX. Now Loan Depot is charging me {$290.00} for the gap period in which I did not have my own separate insurance, including the time frame before they even said I need insurance. They are charging me their own insurance rate between XX/XX/XXXX and XX/XX/XXXX. I discussed with them already that they can not backdate insurance as I was not covered by their insurance then. However, they maintain that this is their resolution. An agent named XXXX XXXX called me today to state that its because my Master HOA Policy does not include the phrase " Walls in to original specifications including improvements and betterments. '' I told her it does ( to which she says she can not verify herself ).
Product: Credit reporting or other personal consumer reports

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023 I received a letter from Credit Management Company that I owed a debt to XXXX XXXX XXXX XXXX XXXX. 

However on XX/XX/2023, I received my monthly statement from XXXX XXXX XXXX XXXX XXXX that my account was current, and gave the current amount due, which was not due until XX/XX/2023. 

I spoke with a representative today, after trying to find an email so I could easily rectify this, but they make it nearly impossible to contact them. After finally speaking with a very rude gentleman, who said they do not make mistakes and I owe them this money, I gave up. 

They didn't want to admit there error, they are nearly impossible to deal with, and my account is current.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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

The XXXX XXXX XXXX business was a XXXX XXXX XXXX XXXX that I was paying for my child. 
Suddenly around fall of last year, I noticed that my son 's tutoring program was changed without my permission. I asked why, and I was told it was by his father. 
I promptly called him and told him to desist from doing so, because I am the one paying. 

At the same time, my bank changed their systems and needed me to re-install all standing orders and so on. Unfortunately, this XXXX XXXX XXXX company was unable to take their amount. And why it took such time for them to communicate this problem to me, was puzzling. As soon as I knew I fixed the problem at the bank. 

Still, this XXXX XXXX XXXX failed to honour my request to return my son 's program back to what it was supposed to be ; despite being the paying parent. And having my knowledge than all of them about education pertaining tot he child who I literally tutored from birth. 

In any case, I reset the account information and they continued to receive their payment. No one ever told me anything about collection action and no documentation of that notice was ever sent to me. 

I had no way of knowing such an action existed and this had caused it to be damaging to my credit in many ways. 
In fact, it was by sheer chance that I found out today that this had happened and has been since XX/XX/2019 ; despite the fact that I do not owe this company, I do not owe this amount and I have no debt with them. 

In fact, this company owed me for failing to inform me of changes even though I was the paying parent. In addition, there were months my son received no classes before and after the pandemic while they kept charging me repeatedly. 
For these reasons, I want them to refund all the money I paid for classes from XXXX to XXXX. Thus, this company is fraudulent and can not be trusted. 

They did not care about the impact of this unknown development on the parent of the child they are teaching, and who has been paying them for years ; but choosing to report me to the credit bureau on a whim, and keeping the information from me in a way that was damaging to me is unconscionable. 
I only found out this morning while checking for an unrelated item. 

Despite my continual payments to them for services, they never corrected the error, or deemed it necessary to inform me of this problem. 
This is a shock to me and I find it hard to believe that the manager could support an action like this and not tell me. 
This action shows a lack of humanity and I want this to serve as a lesson for others to share.
Product: Vehicle loan or lease

The company that is handling my loan has hiked up interest rate I have a 26.7 %
Product: Credit card

I went to comenity.net/torrid on XX/XX/XXXX to make a payment and paid my full balance of XXXX. On XX/XX/XXXX, I received an email to make a minimum payment of XXXX. Confused, I went back to the site and saw that I had a balance of XXXX. I called the comenity today, XX/XX/XXXX and was advised that this is a late fee. I questioned the fee since I paid the full balance at the time and XXXX advised that the late fee was added after the fact. I told him that I wanted the balance adjusted off since I paid the full balance as per what was on the screen of XXXX on XX/XX/XXXX and was advised that only XXXX can be adjusted off. I was transferred to a supervisor and was advised the same. She advised that she would adjust off XXXX and I told her that she would lose a long-time customer for XXXX and to close my account and that I would file a complaint against them. She didn't seem bothered at all by it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Reporting Act this creditor ( XXXX XXXX XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 section 6.2 states. I have the right to privacy ( 15 USC 1681 ) section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

Chase does not allow customers to set up repeating payments in a specified dollar amount from a Chase checking or savings account to a Chase credit card account. The only option is the minimum payment due or the full balance due. This seems to be designed to prevent customers from paying down their credit card balance at their affordable pace without having to manually enter each scheduled payment thereby maintaining higher balances longer and making more interest income for Chase.
Product: Credit reporting or other personal consumer reports

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for XXXX, XXXX, and Experian. However I have gotten XXXX responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a business credit card account on my personal credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Balance : {$1300.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$160.00} - Account # : XXXXXXXX XXXX XXXX XXXX  - Balance : {$450.00} - Account # : XXXXXXXX XXXX XXXX XXXX  - Balance : {$1200.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX  XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

Was in the process of a loan modification with WELLS FARGO, submitted EVERYTHING they requested, but had to refax some material over and over again, because they stated they never got it. Making the process very long, and having to start over because I NEVER got the same person twice. Was NEVER directed to a representative to help me either. I was told the foreclosure had stopped while working on the remodification, only to be faxed a letter to my office on XXXX/XXXX/XXXX stating they needed the money ALL of it almost XXXX dollars by Wednesday. Wednesday morning a lady called my mother in law stating she needed to speak to my wife, and I was told if I could show proof we had the full amount everything would stop. We did that my father in law took the money out of his account and gifted it to my wife, ( sent notarized letter to them ) whos name is on the account, mine is not, but I was handling this remodification. That evening we sent proof of the cashiers check and the deposit ticket proving the money was in our account. They told me to LATE the sale took place. In shock, we asked how to go about buying it back. The lawyers office told me to shut up and walk away, Wells Fargo told me NOTHING I could do. Then next morning I spoke with someone in the loans department who told me I could do a RIGHT to RESCIND. First I was told of this, I immediately sent her XXXX XXXX everything she needed, again having to fax and refax several copies, but I did it, she said everything looked good. Would contact me on Tuesday. It is Thursday XXXX and nothing. I have OperationREACH trying to help, I have contacted XXXX lawyers to see if they can help. I was given a stall tactic and I was mislead and misinformed. I also have a copy of the SENATE BILL No. 361. I feel I have been treated unfairly, with my rights, my 14th amendment ignored as well. Please help me and my family keep our home. Its our XXXX!!! 
Thank you XXXX and XXXX XXXX Please contact me there is so much more to this nightmare.
Product: Prepaid card

Hello, I was a member of American Express Serve from XXXX up to today. They informed me that I no longer have an account with them following my dispute that they say was resolved. I had {$1900.00} on my account and went to XXXX XXXX/XXXX/XXXX to top it up to maintain {$2000.00} for my car payment. I received my receipt and saw {$900.00} on the new balance. This is not right I said. I went home and logged into my account and saw transactions to my account that I did not make or authorized. I contacted American Serve and made them aware of the situation and seeing these funds were on hold for payment ; I told the representative to stop payment as I did not authorize these. They said they would have Serve look into it and issue me a new card. I contacted Serve again and this time they stated I should file a dispute, which I did. The monies had finally went over to the vendors. I kept contacting Serve and was told that an investigation was ongoing and that if they felt I should receive the monies in the meantime while they conducted the investigation would be determined by them. I got the money which was {$1100.00}. Today I got email stating that their investigation was complete and that the transactions were authorized and they took the {$1100.00} from the account and closed the account. I called twice and was told this and that a check has been mailed out to me for the remainder on the account of {$900.00}. I am at a loss as to how to get my money back.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent regarding these inaccurate accounts that are showing on my credit report.
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 45 days and almost 60 days later I have still not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they need to be removed immediately! I demand these inaccuracies be removed immediately or I will file for litigation due to the stress you have caused me. I am trying to get a mortgage to buy a home for my family and this is holding me back. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please take off the late payment from this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED TO THIS COMPLAINT IS A ID THEFT POLICE REPORT. There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : ( XXXX ) XXXX '' dated XX/XX/2019.
Product: Credit card or prepaid card

In XX/XX/2019, My XXXX XXXX XXXX credit card promotion was to expire, so I went online searching for 0 % balance transfers and 0 % APR. American Express via XXXX, had just that. I applied, received the card, and on my 1st bill, I was charged a Balance transfer fee of {$89.00}. I called Amex several times to no avail. The humanbots seemed to be reading from a different script from what I read and understood on XXXX.