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

My scores on XXXX and Experian was not showing please update my info and delete incorrect information
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX  XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX  XXXX XXXX XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Good Morning, To whom it may concern : My XXXX XXXX XXXX was Repossessed by Navy Federal Credit union on XX/XX/year> for a Balanceof $ XXXX made my First Payment for {$80000.00} ( By Check ) by XX/XX/year> and the Second payment on XX/XX/year> through XXXX / Debit Card ending in XXXX I made a Payment for {$680.00} ) affiliated with XXXX XXXX  XXXX And I was told by A staff by the Name of XXXX ( From Navy Federal ) that she saw the Payment but Notsure why it is not posted or applied to my Outstanding payment, and it will be posted Friday XX/XX/year> and as of today XX/XX/year> it is still not posted. I was told to get new Insurance for {$1000.00} Deductible for both Collision and Comprehensive ( {$560.00} ) which I did and Had the insurance company sent the proof they received that. I also had to pay {$620.00} on XX/XX/year> for Administrative fees, Towing and storage fees. And still I don't have the vehicle yet. That's a XXXX XXXX. This not included all fees to Transfer and Many Phone calls I've made to the Repossession section to tell me they are not seeing the proof of payment. I spoke to so many staff in that section ( Repossession } e.g XXXX, XXXX XXXX, XXXX, XXXX, XXXX etc and No One can not find my Payment. 

The Vehicle was towed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whichis a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX In XXXX GA XXXX and she Quoted me the Price for the Admin fees and Daily storage and it Would Have been {$380.00} as of XX/XX/year> but Navy Federal Credit union told me it was {$62000.00} and I had to pay that on XX/XX/year>. 

As of XX/XX/year> the car was towed to XXXX XXXX XXXX, XXXXXXXX XXXX so If and when it is released I have to find a way out there to Retrieve it Further out in New Jersey. I am Drained and Disgust with Navy Federal Credit Union at this point and they also told me I am Still responsible for the Daily storage while they So call trying to find the money, ( {$680.00} ) I have not worked since XX/XX/year> and another payment is coming up on XX/XX/year> My Name is : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Student loan

I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.
Product: Money transfer, virtual currency, or money service

I sent someone with the screen name that was spelled very close to the person I was sending money to
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS.

I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. SSN XXXX.
Product: Credit reporting or other personal consumer reports

I had Federal Direct Student Loans, serviced by MOHELA, that were fully discharged ( now a {$0.00} balance ) by the Department of Education ( DOE ) through their one-time IDR adjustment in XX/XX/. However, MOHELA continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last two monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even MOHELA shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when MOHELA 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited MOHELA 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) MOHELA will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Product: Mortgage

Citizens Bank Underwriter,   XXXX   XXXX , contacted the  appraiser ,  XXXX   XXXX   XXXX , at her manager,  XXXX   XXXX  's direction, and asked him to change the appraisal after it was accepted and approved.      Citizens Bank d enied the loan based on false information provided by th e appraiser  and by incorrectly applying investor guidelines.     A complete explanation is provided in the attached document "  Citizens Bank Underwriters Choose Flexible Integrity. ''
Product: Debt collection

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as open, but also as having past due balance of {$2400.00}. This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting act I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed union completion.
Product: Other financial service

i have purchased MoneyOrders from western union they have dishonoured those for their negligence and have been making several stories to defend their negligence. its been over 3 weeks they are still holding my money. it has hurt my credit as i used those MoneyOrders to pay XXXX XXXX their resons 1. they suspected fraud, 2. some named karina stopped them 3.agent called to stop them. all of the above are not true. they did not call agent to verify the transaction nor has the agent called them for any reason as they claim they should provide the letter to stop payment or a recorded phone call or if they suspected fraud they should have called the agent to verify my identity before returning the money orders
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 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. XXXX credit report contains fraudulent ACCOUNTS and 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 XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXNever 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 XXXX
Product: Student loan

XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.
Product: Money transfer, virtual currency, or money service

After receiving information of fraudulent charges on my bank account, direct actions were taken to stop the issue. A day later I was contacted by a phone number I could identify as my banks customer service number and when I answered they identified themselves as members of the bank Fraud Department. They disclosed further compromises to my bank account and walked me through a variety of steps in which I never disclosed personal information, rather it was quoted to me to verify. I felt it my be a scam and repeatedly questioned the caller as to authenticity. By XXXX choice I believed what he was telling me and subsequently set up a XXXX recipient to receive a {$3500.00} payment in order to clear my account. The change was supposed to be rejected of course, but it in fact went through I am out {$3500.00}. As it was a XXXX transfer through my bank, they will not stop the charge nor reimburse for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to express how seriously I am taking this matter, and I want you to understand that I am not making empty threats. It is essential to adhere to the law, and I am fully prepared to take legal action against your company if necessary. I have taken the step of sending you certified letters, requesting the removal of inaccurate information from my file, but unfortunately, my concerns have not been addressed. It is crucial that you comply with the Fair Credit Reporting Act and take immediate action to correct the inaccuracies in my file. Failure to do so may leave me with no choice but to pursue legal recourse to protect my rights.
Product: Mortgage

Bank of America has really destroyed our lives. We have been renting since my agency relocated us about 5 years ago and they have adversely blocked our ability to get a mortgage because of what and how they report what occurred. We tried to sue them in Federal Court which was very expensive and we lost. We have begged them to look at the file to see how their third-party vendor made us loose valuable benefits from the agency that would have allowed us to purchase our new home here in MD and sell our home as agreed. Because it was an agency purchase which required date-certain movement which, again BofA and its vendor agreed to, we were penalized through no fault of our own. The agency purchaser due to XXXX regulations could not consummate the sale beyond the date set for closing. We could not contact BofA or their vendor. We had already commited to move-in via an interstate move. It was all coordinated but BofA did not hold their side of the transaction. Closing documents were signed, purchase price was agreed, and because of confusions and changing characters in BofA, we lost heavily. We lost all of our equity in our home but the short sale as agreed was only about {$10000.00} less. We had maintained the house as best we could while we sued BofA but then we could not do it any longer. Then in the middle of litigation we were forced to sign a settlement agreement with another lender who worked for BofA to forestall foreclosure. We were just wornout from litigation. It began as an agency paid relocation and BofA failed us and cost us the loss of our home and benefits. We would like to take advantage of the offer afforded consumers in the wake of BofA 's historic settlement but do not know how. FOR NOW, we would just be satisified with them removing the erroneous reporting which prevents us from getting a mortgage, showing us to be 120 days late when we did n't even have a mortgage with them. We tried to modify our mortgage to include the yearly escrow taxes and the servicer ( Home Loans ) told us to hold our mortgage payments for four months ( like they told many people ) in order to do it. To our loss, the modification did occur and allowed us to include our taxes but left this on our record. That was Home Loans, it was not BofA. They have destroyed us. We ca n't get a home and it always comes up as if we foreclosed. We never did. We pay hefty tax bills and are stuck and no one, not even the courts, would listen to us. We were pro se because we were.
Product: Credit card

On XX/XX/year>, a charge was made for {$280.00} to an apartment complex in error by me. I mistakenly thought that it was a XXXX  apartment complex. The same day I went in person to the office and spoke to a manager requesting a return of the refundable deposit amount of {$200.00}, not the non-refundable application fee of {$83.00}. The manager stated that she would have to contact the corporate office. When I did not hear from her after several days, I submitted a dispute with Discover. I received a temporary credit of {$200.00} from Discover and the investigation started. Approximately, two weeks later, Discover reversed the temporary credit and closed the dispute when the merchant submitted a copy of their check issued to me for {$200.00}. I received the check, and it was deposited to my account with XXXX XXXX. A few days later, XXXX notified me that the check " bounced '' and the {$200.00} was taken from my account. I contacted Discover notifying them of this development and that the dispute was not resolved due the actions taken by the merchant not acting in good faith, stopping the check. Discover refused to contact the merchant and told me that I would have to pursue resolution myself. I am now stuck having to pay Discover the {$200.00} disputed charge which was never resolved.
Product: Credit card or prepaid card

Hi- I applied for a New York & Company credit card on XXXX to receive an additional 30 % off my first purchase. They allowed me to use the credit line but after calling both the store Customer Service line and the Credit Card servicing line, they did not know how to provide the discount to me. They said they were experiencing technical difficulties and I would definitely get a 30 % off promotion in the mail when my actual card was received. It never happened. I have emailed customer service on multiple occasions and the response makes no sense. It is as if there is some sort of language barrier and they are not understanding what I am asking.. I have emailed them twice regarding the issue and have received responses back including the following : " We are sorry you are having issues using your NY & C Credit Card etc. '' The last email I stated to them that they were in violation of XXXX for never providing the discount to me for getting the credit card. I stated I was going to file a complaint with the CFPB and my later emails were returned, the customer service employee had blocked my email address. I have told both sides NY & Company as well as Comenity Bank who provides their credit card. No one cares nor knows what to do. Again, after the last email regarding the issues, my email was returned as undeliverable. The company blocked my email address apparently as I was very upset and that had never happened before. The last email sent on XXXX had the same reply that made NO sense.. " We understand that you are facing difficulties placing an order with your NYCO credit card, and we want to help you resolve the issue. In most cases, the NYCO card is not accepted due to its XXXX length. '' I have all the emails that I have sent to customer service as well as these responses that make no sense ( not even relevant to not providing the discount ). See attached documentation. I also have proof that I was blocked after that. This is a last resort. I have been a loyal customer to this company for so many years. Very disappointing and that they really do not care at all. I appreciate your help. Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to dispute information with Equifax and they said they can't find. My report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was not authorized to inquire about my credit report. TransUnion did not prevent XXXX XXXX from doing this unlawfully. 

XXXX XXXX Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

Every credit bureau report shows a debt owing to JC Penney claiming an amount of {$160.00} past due. I had a JC Penney credit card issued in XX/XX/XXXX (? ) and cancelled it in XX/XX/XXXX (? ). supposedly, charges were incurred on the account in XX/XX/XXXX. Over the past 3 years I have sent letters to JC Penney and Synchrony bank requesting documents to verify these charges are mine. They have never sent documents of proof yet they continuing to show negative data on my credit bureau reports.I stopped shopping at JC Penney in XX/XX/XXXX.

I wish for this negative information be removed post haste so the bureau reports reflect no account with JC Penney.

I am buying a house and taking out a mortgage. This bad information reflects on my credit rating and the amount of interest I will be paying for a mortgage loan. 

Thank you.
Product: Debt collection

I have reached out to this company at least 5 time about an account that is showing on my credit report that happen due to identity theft. I have never had nor applied for nor gave anyone permission to apply for a credit card in my name or social security! I have submitted Police and FTC report and they have just stop responding. The XXXX XXXX XXXX  has sold the account to LTD AQUISITIONS LLC. The account was opened On XXXX XXXX from what i am seeing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and contacted the people it said I owed the Debt to. Several of the companies no longer exist. The ones that still existed I paid the debt and it was thousands less than what was shown on my credit report. 
I had an attorney contact Cornerstone credit about the ones the company no longer existed on. Cornerstone credit said adding 15 % interest to medical debt a month was allowed. So debt that was XXXX dollars as now several thousands of dollars. When asked if they would make a deal, they refused even though they knew that several thousands of dollars is all interest, for a company who probably took a deal as it was being bought out by another company. 
I recently have been divorced I guess several of the medical bills went to my ex-husband 's address. I did not know I owed them until I had seen them hit my collections. I contacted both of the debtors because it was only 2 new debts that I had missed. I paid off one debtor and it should show as paid at the end of the week. ( XXXX hope. ) The 2nd debtor says they do not show I owe them anything, nor would they because they sell their debts to Cornerstone. I have tried to make payments to a specific account before to cornerstone and they just add it to whichever one they feel like so they can restart a 6-year-old account to a company that no longer exists. I called the other debtors who say I have paid all my back bills and their affiliates in full. 
The Attorney and my divorce Judge have told me not to contact Cornerstone because of the stuff they have been doing but I would like to pay off the recent bill so it is not on there when the others one fall off nor do I want it to start collecting the 15 % interest. 
Is it allowed for the original debtor to refuse you to pay off your back debt? 
If I want to make a payment to a collections agency on that specific account are they allowed to put it towards whichever account they wish? 
Is the collection agency allowed to keep stuff on my credit they can not prove I owe? ( I can not find the information or the bill and when the attorney asked them to send me the proof of the debt, they only send me their debt bill on not the original. They said this would a breach of confidentiality. ) With the above explanation, How is it a breach of confidentiality for a debtee to know who is claiming the debtee owes them ( the debtor ) money? How am I to know it is not fraud?