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

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit card or prepaid card

I made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great evening I have a company called LVNV Funding LLC that reported a debt to my account. I do not owe this company any money. They are not the original creditors of the debt. This should have never been reported and it's affecting my credit profile. I reached out to the company and the first rep lied when I asked to speak with a supervisor, the second rep was unprofessional and laughed while I'm trying to discuss account with her, third rep was a lead that didn't help and fourth rep was a supervisor didn't do anything but try to dominate call telling me that this is legal to do when it is clearly not. There is no documentation that anyone can send that I owe LVNV Funding LLC any debt.
Product: Debt collection

I ordered a XXXX report and I was reading it and it said Inquirer : Fifth Third Bank XXXX XXXX XXXX XXXX, XXXX, OH XXXX ... XXXX Inquirer Date XX/XX/2016 I never requested any banking, credit card or loan with Fifth Third! I appreciate all your help getting this resolved! 
Thanks, XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX XXXX from Admin Recovery LLC at XXXX have left messages with my employer, my friends ( claiming I put my friends name as a reference??? ), left messages on a work phone claiming I breached a contract, etc. and calling my boss immediately after calling my co-worker. They have this tactic of calling one person and then another soon after. I contacted them back and could not get a hold of them except their voicemail, and then spoke to XXXX XXXX and told him that I do not want to be contacted at the workplace, for phone calls to stop since it is before XXXX, and to send me the information so I can dispute because I have nothing from their end of what I owe except when they left a message with my coworker stating its a bill owed to XXXX. They stopped for one week and its starting again. When I asked them to stop calling me and I said goodbye, they would call back. A living nightmare. Please make them stop!!!
Product: Credit card or prepaid card

1. Bank of America XXXX XXXX XXXX XXXX breaks the law by refusing to dispute certain charges 2. on XXXX/XXXX/XXXX I contacted Claim Departmentregarding the transaction from XXXX # XXXX XXXX XXXX XXXX NY in the amount of {$3.00} that posted to the account on XXXX XXXX, XXXX but a dispute was not filed. 
XXXX. Resolution sought is immediate permanent credit of {$3.00} 4. XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

Debt Collection agency LVNV funding is incorrectly reporting a collection on my credit. I had a credit card, it went to collections, but then I went to a XXXX XXXX XXXX program, a program that helps pay the debts off for less than whats owed. LVNV is still reporting to XXXX  that I owe them, when the debt was already settled and paid by XXXX XXXX XXXX. I contact XXXX  to dispute the collection. Its only being reported on XXXX. Nothing on XXXX  XXXX  or XXXX. XXXX  will not remove it. I need help getting it removed from XXXX  report because its already settled with XXXX.
Product: Mortgage

I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase?
Product: Debt collection

I called on XX/XX/19 to try and settle a credit card debt with Nordstrom. I then asked, is there a way we could come to an agreement to get the debt off of my report in order to bring my score up and open up a line of credit with the Credit Union. The lady insisted that the account was closed and would reflect as a negative impact on my credit for several years. After tireless discussion she then said " You can call back at the 7 year mark to get it removed ''. I opened the account not knowing the repercussions of spending and not paying off the debt. I was young a clueless about credit and its negative affect later on in the future ( Today ). I was even willing to pay the debt even though its been 3 years, 1 month, and 26 days. She could have worked with because I've gotten things off of my credit before. I actually negotiated a fair amount with two other debt collections, so I know it's very much possible for this negative account on my credit to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Product: Payday loan, title loan, or personal loan

I checked my credit score which dropped XXXX points because if this company that said they close and credit my account in my last complaint. Now my credit have dropped XXXX points because this company saying I owe them XXXX for the merchandise I already paid XXXX for.
Product: Money transfer, virtual currency, or money service

I have been a loyal and faithful customer of Zip/QuadPay for many years. Recently, I began the process of switching my payment methods from my debit cards to my credit cards. In this process, I believe my account was locked with Zip. I contacted their customer service to try to resolve this and do whatever security verification was needed of me, but I was told there was no time frame to unlock my account and I would just have to wait for an email. This is unacceptable. I have current, active payment plans with Zip which I need to be able to log in and manage, change payment dates/methods, etc. 

I had a similar problem with Zip a couple of years ago where my account was incorrectly placed on a security hold, and I had to file a CFPB complaint to resolve. At that time, I was told that if a hold was going to be placed on my account in the future, I would be contacted by the company and have the opportunity to promptly verify my info and resolve it. I am sad that has not happened and I am dealing with an almost identical issue years later. 

The phone number associated with my Zip account is XXXX and the email is XXXX XXXX
Product: Credit card

On XX/XX/2016, i was told by Sam's/Synchrony Bank, my account was compromised. I paid my bill in full as usual, I never leave a balance. I received a new card, called and was told no there was another compromise. I waited and no card came I called several time XX/XX/XXXX about the account. I was never told I had an outstanding balance, was on the phone several times with customer service for over 10-20 minutes each time. Was told each time that the card was still in route. I called back XX/XX/XXXX several times and was told a new card was on the way. 
XX/XX/XXXX I decided to try to activate the card that was sent XX/XX/XXXX, it activated. I have not used the card since activated. I have another Sam 's card that I used and paid in full. 
I was notified XX/XX/XXXX by XXXX XXXX XXXX had a late payment. I called to find out how this could be. I was told I left a balance XX/XX/XXXX. I asked why I was n't told when I spoke to customer service all the times XX/XX/XXXX. They said they did n't do that. I asked why I was assessed an interest charge after I paid in full for XX/XX/XXXX and received no answer. I believe the interest charge should be remove and I would have had no late payment. 
I had perfect credit until this and have asked the late reporting be removed from my credit history.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Name - 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

An credit card account that is currently open is reporting as late and should not do as such. 15 U.S.C 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Also a account should match with ALL OTHER XXXX and a XXXX XXXXXXXX account doesn't do as such. 15 U.S.C SECTION 604 A states a consumer reporting agency can not furnish a account without my written instruction.

Also 15 U.S.C SECTION 602 A states that I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  VIOLATIONS
Product: Credit reporting or other personal consumer reports

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

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

My ex started up a XXXX account. For some reason the account is showing up in my name when I know for a fact my name wasn't on it. Or shouldn't of been anyways. Diversified has repeatedly called me, harassed me, and told me they will make sure my credit score gets hurt from this
Product: Credit reporting or other personal consumer reports

I have been left with no choice but to consider pursuing legal action against Transition. 
First and foremost, I want to emphasize that I have already spoken to the company associated with the reported account, ( XXXX XXXX ) and they have unequivocally confirmed that they have submitted the appropriate reporting to the credit bureaus, including TransUnion. It is deeply concerning that TransUnion has chosen to continue reporting this information incorrectly, despite the confirmation from the creditor. I initially approached Transition with the expectation that this matter could be rectified through your support. Unfortunately, the lack of appropriate action on your part has forced me to escalate this issue further. Again my credit acceptance account has been PAID, and CLOSED with a {$0.00} balance. AND ZERO LATE PAYMENTS. TransUnion is the only crediting company reporting this account incorrectly. transUnion stated that the information was verified Please attached how this information was verified because I know for a fact it was NOT verified by credit acceptance per the per company. This my very last time asking to conduct a thorough investigation into the circumstances surrounding this incident. It is imperative that you identify the root cause of this error and take the necessary steps to prevent such occurrences in the future. 
Please be advised that if this matter is not addressed satisfactorily within the specified timeframe, I will have no alternative but to seek legal redress to protect my rights. I believe in resolving conflicts in a fair and reasonable manner, and I sincerely hope it does not come to that. 

For your convenience, I have attached all relevant documentation supporting my claim, including proof of payment and closure of the account. I trust that this evidence will facilitate a swift resolution to the matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Product: Mortgage

At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangements. However the bank has charged me late fees and charges on my loans, has reported me as not current to the credit bureaus and has started moving the properties to foreclosure.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} Sunrise Credit Services XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX. {$420.00}
Product: Credit reporting or other personal consumer reports

Under 15 usc 1681 ( b ) you must have my written consent to report on my credit report. I have not giving you permission to report on my credits report. I would like all accounts to be removed from my credit report. Do not call email only
Product: Debt collection

I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.
Product: Debt collection

Jefferson Capital Systems LLC has been calling and harassing me about an alleged debt that I owe from XXXX. I asked about the original creditor and information regarding the alleged debt and asked for a debt validation letter with my wet signature stating that I have a binding contract making me indebted to Jefferson capital. And I asked them to send it to the address they have on file. Which Im sure they sent out a letter but the debt is in Texas And I do not live in Texas I live elsewhere and they are unable to send me the contract. They said the debt was for $ XXXX but are unabated to provide a contract between me and Jefferson Capital . They have also been calling me non stop and the representative even stated that they threatened to report it to the credit bureaus and damage my credit which they have and violated my right to privacy as well as XXXX selling off my personal information without written permission under XXXX.
Product: Credit card

XX/XX/year>, I charged {$170.00} for my XXXX teaching platform. On XX/XX/year>, I paid {$200.00} to pay off that charge. After that I paid {$500.00} more toward the balance of the card. I was charged {$1.00} in interest for that month. Also, in total, I paid 29 TIMES THE minimum amount due for that month. 

In XXXX, XXXX, I paid timely {$330.00} toward the balance on the card. I paid XXXX XXXX times the minimum payment due for that month and was still charged {$1.00} in interest. I made no charges on the card during XXXX. 

The balance due since XXXX on this card ( and previously ) is a XXXX PERCENT INTEREST PROMOTIONAL BALANCE. I have paid ENORMOUS AMOUNTS on this card in the last months. 

I called customer service Friday to find out why I was charged interest on this card. They said according to their terms of my promotion, it is up to their discretion, as to whether or not they charge interest. 

Why am I still being charged interest, when I paid off the charge in XXXX? In my opinion, with me paying XXXX XXXX times what was requested in a minimum payment over XXXX and XXXX, it is certainly bad business to charge me interest, when there were no charges in XXXX. With all credit card companies that I've dealt with, after a charge is paid off, no interest continues to accrue. Why was I charged interest at all and in particular, why was I charged interest in XXXX? 

I am a valuable customer to PNC and this is insulting, bad business and it is horrible to treat a customer like this. If it is, in fact, up to their discretion, as to whether or not interest is going to be charged to me, they need to up their discretion and determine which customers they want to keep and which they do not.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to formally report and expedite the resolution process regarding a financial aid check issued to me that was cashed fraudulently. 

The check in question was issued on XX/XX/year>. When I noticed that it was taking longer than usual to arrive, I contacted my counselor, who informed me of the 21-day waiting rule. Once the 21-day period had passed, a stop payment was initiated. It was at this point that we discovered the check had already been cashed fraudulently. 

I was subsequently sent a picture of the cashed check, and it appears that the check was deposited into an account that is not mine. I have no control over this situation, as XXXX XXXX XXXX  ( XXXX ) sends high-amount checks in the mail without requiring a signature upon receipt. This has unfortunately made it easier for someone to misuse the check. 

Given these circumstances, I am requesting information regarding the next steps to resolve this matter. I would also like to understand the timeline for issuing a replacement check, as the funds were intended for me, and I should not have to suffer the consequences of someone elses mistake or criminal actions. 

I have contacted the police and the USPS and reported what happened. I have called the bank ( Navy Federal Credit Union ) and they told me they can not help me and work directly with XXXX  because the account the check went into was not mine. My next step will be to contact FASFA and inform them about the check that was cashed without my permission. 

I have already submitted a request for a copy of the cashed check, but I would appreciate any further guidance on what else needs to be done on my end to expedite the process. I need to submit fraud which I have been telling XXXX  there was fraud going on for 3 weeks now. 

Please inform me of any additional steps or documentation required, as well as an expected resolution timeline. I trust that you will prioritize this matter given the circumstances. 

Thank you for your attention to this issue, and I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer on this loan with a relative. While scanning my credit report I noticed that there is a discrepancy/ incorrect information regarding this account. XX/XX/2019 XXXX reported this account as paid and XXXX reports the account as 90 days delinquent on XX/XX/. Due to this error in reporting between both bureaus and the Fair Credit Reporting Act I am asking you guys to please remove this derogatory account from my credit report. It would be tremendously appreciated. I am a military veteran that is trying to make grave  changes in my life for me and my family. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original lender XXXX XXXX up until XX/XX/XXXX ... bsi is reporting on my credit report that I was 120 days past due In XXXX and XXXX of XXXX please remove any late payment from my credit report