23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX
Product: Debt collection

I purchased my new vehicle on XX/XX/XXXX and my policy went up considerably. I decided to cancel my coverage I found another carrier to cover my policies and it was exponentially cheaper. I contacted XXXX XXXX to cancel my policy on XX/XX/XXXX. I was originally told that I had owed for the month of XXXX and XXXX. I contacted the XXXX  to dispute that I owed any past due payments because if I did my policy would have been cancelled due to lapse in coverage. Through the dispute with the XXXX  I was told I would still owe a balance of {$260.00}. I have not missed a payment since XXXX. The issue is the greed of this company I was told the premium would go up but the payments would be spread over the duration of the policy 6 months or more. NOW the company is trying to collect full payment for a vehicle that was insured for XXXX weeks. It is grossly unfair, and it should have been prorated to make matters worse they have reported the account to collections further marring my credit.
Product: Credit reporting or other personal consumer reports

So XXXX validated a debt that I repeated asked for a signed agreement for the credit collection because I never had business with this company they still fraudulently report this account as well as others.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance XXXX {$9500.00}
Product: Credit card or prepaid card

This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.
Product: Vehicle loan or lease

On XX/XX/2019, I entered into a consumer credit contract with XXXX XXXX XXXX ( an affiliate company of the XXXX, XXXX corporate family ) and a consumer credit transaction occurred for a 2019 XXXX XXXX. I have reason to believe that this entity is a financial institution pursuant to 15 USC 6827 ( 4 ) ( B ) and also a seller-creditor as mentioned on my contract pursuant to 16 CFR 433.1 ( exhibit A ). I have reasonable suspicion that the contract/transaction are fraudulent in nature. I have attempted to settle this matter many times ( in person, over the phone, AND through electronic correspondence ) with XXXX XXXX XXXX and also TOYOTA FINANCIAL SERVICES INTERNATIONAL CORPORATION without any remedy. Per my contract, as the consumer and debtor ( pursuant to 16 CFR 433.1-433.3 ), I am asserting my rights. I believe I was fraudulently required to pay a down payment ( exhibit B ) which is a violation of 15 USC 1605 in transactions where finance charges are involved : " The finance charge does not include charges of a type payable in a comparable cash transaction. '' 15 USC 1605 also states that : " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' ( exhibit C ). However, I believe I was fraudulently coerced into paying extra charges and monthly payments/fees that far beyond exceeded the finance charge ( exhibit D ). I believe these extra charges and monthly payments/fees constitute another violation in the form of a billing error ( exhibit D ) pursuant to 15 USC 1666 ( b ). In addition, I believe my promise to pay ( promissory note ) via a negotiable instrument secured the loan ( purchase money loan pursuant to 16 CFR 433.1 ) and discharged the obligation at the time of signing which also constitutes a billing error. Also, I believe my rights of rescission were violated pursuant to 15 USC 1635 due to the fact that I was not furnished with any rescission disclosures at any point in time and the contract goes as far as to state that there is " no cooling off period '' for this transaction ( exhibit F ). I also feel that this " loan '' was fraudulent in that it is not a loan at all but a " credit sale '' in that I agreed to " buy the vehicle on credit '' ( exhibit G ). Many courts have long established that banks/financial institutions may lend their money can not lend their credit.
Product: Mortgage

My home loan payment with Nationstar Mortgage ( XXXX ) is scheduled to increase on XXXX XXXX, 2015 over 100 % from {$3800.00} to {$8400.00}. Nationstar misled me approximatley 2 years ago, by telling me the payment would increase approximately {$1000.00} monthly. That increase is {$4.00}, XXXX monthly. I can not afford that. I would have never signed documentation to that affect had I known the payment would increase so much. Additionally, I am still approximately {$300000.00} upside down in my home. This is former XXXX XXXX XXXX loan # XXXX.
Product: Money transfer, virtual currency, or money service

Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, one day, when I was checking my paypal account, I saw NONE balance. Thus, I checked the paypal balance and I was shocked to see a transaction that posted by paypal, the note saysXXXX XXXX XXXXXXXX, paypal posting on XX/XX/2021 to paypal XXXX it is paid with paypal cash plus balance. well, paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not support me. The line is busy, and they can not tell me what exactly happened, cause the information the paypal agent who I spoke to can only access limited information about that payment transaction. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full my account and they continue charging me late fees
Product: Credit reporting or other personal consumer reports

Please assist me in regards to some XXXX items that are showing on my XXXX, i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my XXXX.
Product: Checking or savings account

On XX/XX/2023 I deposited my school check and when it came available on XX/XX/2023 I tried to transfer the funds out and they stop my transfer and closed my account. They told me I couldnt get my funds unless I verify myself even if they closed my account. I just want them to send my funds in a check since they close my account for no reason. So they also said they will keep my funds even with my account being closed.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense
Product: Credit reporting or other personal consumer reports

I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. i have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681S2A Furnishers must report accurate information under 15 USC 1681I The credit bureaus must perform reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.
Product: Debt collection

THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH LVNV FUNDING LLC # XXXX OR XXXX XXXX XXXX . I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
Product: Credit reporting or other personal consumer reports

I have requested Experian update my Address and they update partial of my Address I am Asking Again to have my address updated I have Mailed DL/proof of address to experia Disputes.I also enclosed documents verifying my Address
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is not reporting accurately. The only payment terms that are in agreement with Aspire, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 to all XXXX credit bureaus. 

Here are my Tracking Numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I became aware of identity theft associated with my personal information, via an alert from XXXX XXXX This prompted me to immediately attempt to retrieve my credit report first from each of the three main credit reporting agencies XXXX, XXXX, and Transunion. 
When I attempted on Transunion website the questions asked to verify my identity didnt pertain to me XXXX, In XXXX of XXXX you opened an account with which of these three institutions? those security questions didnt pertain to me. Likewise, the site wouldnt accept my email or phone number to send an email or text a code to. I was blocked from obtaining the result I desperately needed to achieve. 
Because it was the middle of the night, I tried to do so through annualcreditreport.com however I was met with the same exact situation. On XX/XX/XXXX I tried to call their consumer relations center. The first person I spoke to was named XXXX. XXXX and I had a really difficult time understanding each other due to a language barrier because Transunion has outsourced something as important as this. XXXX transferred me to someone else this person was also unable to assist so they transferred me again. This person was unable to help me, and I would like to add this is most likely due to the language barrier we all had. 
I went online to the online chat. This agent told me there was system maintenance needed on my file and that someone would reach out to me within 24-48 hours. It is now 11 days later, and I STILL havent even been able to pull my credit report let alone place an immediate security freeze on my account meaning my account is still fair game to steal from and my credit is getting worse daily.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to experian, XXXX and XXXX. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - XXXX
Product: Checking or savings account

I'm not too clear on the date but my account was suddenly frozen to assumptions of fraudulent activity. From that day since have I've tried to contact their fraud prevention team in order to clear up any misunderstanding and hope to rectify the problem with my account. I stopped calling cause never gotten a response after leaving numerous messages with a reliable call back number as well the reason why I was calling. Approximately a year has passed since I made contact with SoFi, who I was banking with, and as of to the thirtieth of last month over a week have I tried to contact the fraud prevention team to close my account and see if they're any necessary steps to be taken in order to do so. It is now the XXXX of XXXX and still haven't heard anything from their fraud prevention team. I'm upset, confused, and frustrated of how I'm being treated by this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests, made numerous phone calls, and submitted documents to Pentagon Federal Credit Union ( PENFED ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

PENFED had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is PENFEDs excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at PENFED ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with PENFED is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The XXXX XXXX XXXX of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.