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

I have sent off the information regarding the late payments on my credit report to Chase as requested and I received a second letter in the mail requesting information thats already sent to them ( certified mail ). The information includes dates that are showing late. The account was closed in XXXX of XXXX. I have a late charge from XX/XX/XXXX which baffles me. This company is taunting me and has well known acts of falsification.
Product: Mortgage

My name is XXXX XXXX, an attorney at the XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting this CFPB complaint on behalf of my client, XXXX XXXX. XXXX XXXX 's Loan Account Number is XXXX. His address is XXXX XXXX XXXX, XXXX OH XXXX. He has a VA Loan that is serviced by Loan Depot LLC. 

Loan Depot failed to provide XXXX XXXX with reasonable, good faith efforts at servicing his loan by refusing to cooperate with XXXX Homeowner Assistance Fund ( HAF ) process. Specifically, they failed to respond to the Save the Dream program run through the Ohio Housing Finance Agency ( OHFA ). Had they responded to a records request from the Save the Dream program, XXXX XXXX would have reinstated his loan. But XXXX XXXX is still in foreclosure. 

XXXX XXXX originally applied for HAF funding through OHFAs Save the Dream program on XXXX XXXX XXXX. He was approved on XXXX XXXX XXXX. OHFA sent Loan Depot a request for records soon thereafter. Loan Depot has still not responded to OHFA after nearly two months. 

Loan Depot has been notified of the pending records request on at least six separate occasions, but they have still chosen to do nothing. Within the next few days, Loan Depot 's neglect will have caused the past due balance to increase beyond the {$25000.00} mortgage assistance cap set by Save the Dream. This complicates the process and places an additional, unnecessary hurdle in front of XXXX XXXX 's path to reinstating his loan. 

Loan Depot 's failure to respond is unacceptable. For the last month, they have prevented XXXX XXXX veteran with a VA Loanhis wife, and his XXXX children from reinstating their loan and living free from the stress of an active foreclosure case.
Product: Credit card or prepaid card

CITIBANK XXXX XXXX XXXX mile promotion
Product: Payday loan, title loan, or personal loan

I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.
Product: Credit reporting

I have repeatedly tried to obtain a copy of my XXXX report. Each attempt has resulted in some type of error online, or " unforeseen error '' in the voice response system, which is itself very difficult to use and sounds as if its XXXX years outdated. I have made at least a dozen attempts total. It seems as if the system is deliberately difficult to use and is almost always non-functional in an attempt to deter consumers from obtaining what is rightfully theirs to access per FACT act and FCRA. All other CRA 's have simple to use online interfaces allowing the consumer to access their reports immediately online. In the 21st century it is inexcusable that someone is forced to physically print and mail a piece of paper. This is a not very transparent effort on behalf of Lexis Nexis to deter consumer from easily obtaining reports and disputing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an item I did send the copy of the court documents as the case was heard in court and dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX  and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by OCWEN however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!
Product: Credit card

Starting back in XX/XX/XXXX I was charged for merchandise for XXXX on XX/XX/XXXX that I did not receive. Back then the company was XXXX but was bought by another company now. I checked my outdoor cameras, asked neighbors, and confirmed with the merchant they did not have proof delivered and I did not receive the items. This merchant has an XXXX XXXX XXXX XXXX website for lousy service, and no surprise never credited me after numerous calls so I opened a dispute. The Apple Mastercard has added and removed the credit for this XXXX 3 times. Over 5 months I have had to reach back out to them to re open the dispute. Doesn't there have to be an end to the dispute after 90 days??
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????
Product: Debt collection

I have a derogatory mark on my credit report from a Simons agency incXXXX acct. XXXX and they say I owe money that is in collection. I was XXXX XXXX state property when this bill was imposed and should be paid by the state of XXXX XXXX i shouldve never been charged this and i want this removed from my all 3 credit bureaus thabk you
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of 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. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX/Dept of Ed Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Product: Credit card or prepaid card

THIS IS THE TEXT OF MY COMPLAINT FILES WITH BARCLAYS 'S BANK regarding my JET BLUE MasterCArd Credit Card This is regarding my complaint # XXXX regarding a Balance Transfer that I did back on XX/XX/ under 0 % BALANCE TRANSFER OFFER. Somehow I am being charged HIGH REGULAR INTEREST for that balance transferred, when the ONLY REASON why I made it was to get the benefit of the 0 % INTEREST RATE to pay over the time. 

There is no logical way that a Customer prefers to pay interest on a Balance Transfer over a 0 % OFFER in any way. NO ONE IS SO XXXX!!!! 

I waited 5-7 business days and called again to be disappointed to hear from XXXX that the case has not even been moved anywhere. I asked to be transferred to a MANAGER and I was told that it would take 48-72 Hours for that to happen. I HOPE IT HAPPENS before my next payment date on XX/XX/. 

The agent who took care of me today XXXX credited me some of the interest or fees but that's not all that has been charged so far. A FINAL RESOLUTION WILL BE THAT THE INTEREST Rate be adjusted to 0 % honoring your offer. and all interest charged to be void
eversed. 

So far, I see that I have been charged interest on the Balance Transfer for the past two ( 2 ) statement periods, in addition to the {$75.00} initial fee. 

Sere below that I paid in full the credit card balance on XXXX just to have the amount under 0 % Balance Transfer to pay over the time. 

INTEREST CHARGE-BALANCE T XXXX XXXX XXXX  {$39.00} XX/XX/2023 {$17.00} Payment Received XXXX XXXX XXXX XXXX {$1400.00} BALANCE TRANSFER FEE XX/XX/2023 {$75.00}
Product: Debt collection

This co. XXXX XXXX XXXX/ and XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years
Product: Mortgage

Ocwen continues to report to my credit bureau erroneously. In XXXX I purchased a condo on what I now know to be an XXXX purchase loan package. The condo foreclosed in XXXX XXXX. Under XXXX. XXXX XXXX, I am protected from anti-deficiency on purchase loan. After repeated efforts to clear this since XXXX, Ocwen continues to report it as owing and delinquent. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Systems This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Iam writing to formally request the removal of a charge-off listed on my credit report associated with account number I understand that this account was charged off due to non-payment ; however, I would like to discuss options for resolving this matter.1681 ( e ) ( b ) if they already written on they taxs it off why is it still there want it be inaccurate and technically want it be charged off XXXX time also can a 1099 be in place and a write to delete off my credit report permanently never got XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Mortgage

Please refer to my prior case - Bayview failed to address the fines and penalties assessed to my tax bill by the city of XXXX for their failure to pay my real estate taxes. XXXX in fines and penalties was added to my tax bill due to them not paying the bill. Although I was advised by XXXX XXXX that I should no longer pay my taxes, the letter dated XXXX/XXXX/XXXX from XXXX XXXX of Bayview indicates that I should have known to continue to pay my taxes. I am not sure why I would pay my taxes and insurance when I was clearly told that I was no longer to pay them, that Bayview had paid them and it would be handled by my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX  balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX  XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.
Product: Vehicle loan or lease

OneMain Financial, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
( XXXX ) XXXX please remove the hard inquiry off my credit report
Product: Prepaid card

I purchased {$25.00} American express prepaid card, but got declined in four or five online payment. Call the American express XXXX ( XXXX ) XXXX to ask why. The CSR said that the card is valid on their ends and can see the transaction got declined. No solution was offered to remedy issue. The CSR only suggestion is to tell me to use in different vendors but I run out of vendors to use this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was traveling somewhere in XXXX of this year and had stepped in a local branch to get some information on how I can prepay my account so I dont end up getting any late fees or reporting on my credit report. One of the team members told me I could prepay the account so I dont have to worry about late fees or negative reporting. long story short, I got a late fee plus nagative reporting even though I prepaid the account. I need the negative reporting be removed off my credit report as I was given the wrong information.
Product: Credit card or prepaid card

I have opened a capital one savor account ( not the ONE ) in XX/XX/2019. 

APR promotional read a 12 month 0 % during when I was opening the account and still does ( XX/XX/2019 ), see below : https : //www.capitalone.com/credit-cards/savor-dining-rewards/ Annual Percentage Rate ( APR ) for Purchases 0 % introductory APR for the first 12 months that your account is open. 
After that, your APR will be 16.24 %, 21.74 % or 25.24 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. ( made a screenshot just in case ) It also shows here : https : //www.capitalone.com/credit-cards/dining-and-entertainment/? XXXX & XXXX & XXXX where I believe I applied. 

Now when I check my statement it appears they are charging me interest rate and my rate is 16.24 % 2 month later. Where is the introductory APR? 

There were no asterisks when I applied, but the company during phone call told me that the APR we provided did not include an introductory rate and was in your documents. 

This is extremely misleading and seems like malpractice to do that and still have that information on their website.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.
Product: Debt collection

Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are failing to get my accounts from the listed creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my Bank of America credit card account to autopay. I was not told that there was insufficient time for autopay to cover the next payment. So unbeknownst to me, the next payment was delinquent and reported as such. Three to four calls to the company asking for this to be corrected in my credit report were to no avail. It is the only late payment I have had in several years.