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

To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( Equifax, XXXX, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my credit score. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.
Product: Debt collection

I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called Ability Recovery services for the amount of {$1000.00}. I have no knowledge of this debt so I sent Ability Recovery a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from Ability Recovery Services in regards to the validity of this debt. The homeowner program advise me to send a admission of silence letter to them, which was sent on XX/XX/XXXX and they did not respond to that letter either. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like Ability Recovery Services to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
Product: Mortgage

I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.
Product: Money transfer, virtual currency, or money service

XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via Zelle in order to process my submission. After they approved the application, they requested {$1000.00} sent via Zelle as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via Zelle before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via Zelle. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} Zelle request. I did not send any additional money and filed complaints and disputes with my bank, XXXX XXXX XXXX, the FTC, New York 's Attorney General 's office, and Zelle on XX/XX/23. None of the aforementioned parties have contacted me since.
Product: Mortgage

XXXX XXXX : XXXX After being financially impacted by Covid 19, I decided to go into deferment. We were current at the time. The deferment period lasted 5 months, from XXXX to XXXX of XXXX totaling {$9900.00} and not reduced since. 
A payment was made for XXXX on XX/XX/XXXX which is reflected in the XXXX statement. 
The following month a payment made and the statement XXXX dated XX/XX/XXXX ) also looks accurate. Same story with statement dated XX/XX/XXXX ( screenshot of payments are attached ). 
When it comes to XX/XX/XXXX, you will notice that all of a sudden a delinquency notice pops up and now there is a past due amount of {$3900.00} ( exactly 2 months of payments ). No warning, and no trail. 

The delinquency notice has activity listed which I still dont understand, saying various payments were applied to several months. 
A payment was made every month, and 3 made in XXXX to cover the {$3900.00}, but I still dont understand where it went to. 

I need that amount refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I originally learned that my personal information was used to open an account at NAVY Federal Credit Union on XX/XX/XXXX at which time I filed a dispute. I then filed a police report on XX/XX/XXXX as well as an FTC Identity Theft Report on XX/XX/XXXX. I again disputed this fraudulent account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have now filed my second FTC Identity Theft Report on XX/XX/XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Navy Federal Credit Union absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting

I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached
Product: Money transfer, virtual currency, or money service

An amount of {$2700.00} was sent from my BoA checking account using XXXX service on XX/XX/2022. 
I was unwittingly tricked into transferring the money. This was a rental scam, and the person ( Scammer ) was impersonating as the property owner. The amount above was sent as a security deposit for the house rental. 

XXXX transfer was sent using this email address as the recipient : XXXX. 

Actions taken : Logged a complaint with XXXX and have not heard back from them. 

Logged a claim with BoA ( Claim for Digital Fraud : XX/XX/2022-XXXX ). 
BoA came back that they had completed their investigation and no error was found.
Product: Credit card

When I received an email XX/XX/XXXX ( " statement XX/XX/XXXX '' ) indicating a payment due on a credit card account balance " XXXX '' I was not using. When I called Truist bank they indicated that they had had a number of charges from the same entity that they had previously determined fraudulent without contacting me but for an unexplained reason they processed this one. I filed a dispute of the charge. I indicated I wanted to close the credit card account and savings because of previous problems. Truist indicated to make payments on the disputed credit charge - the only charge. I indicated I thought it was not legal to require payments on disputed charges. They indicated they might hurt my credit rating currently XX/XX/XXXX XXXX XXXX if I did not make payments on the disputed charge. Truist indicated I could not complete my closing of my saving as well as credit card account unless I went to the branch- the credit card account ( had the disputed charge ) was only in my name, but the savings was a joint account with my deceased wife XX/XX/XXXX. Which I did the next day ( finishing ) closing the savings as well. Again, another clerk said she wanted me to make payments on the disputed charge. I belong to XXXX, and I filed complaint to which Truist just now claimed it was a valid charge. I have no idea what the charge was supposedly for - I was never told this. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX XXXX  XXXX Balance - {$5.00}, this is incorrect. 

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 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. 
why correct the information that I outlined and then not raise my credit score because I purposely targeted. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their livelihoods. 
the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood. 
Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.
Product: Vehicle loan or lease

XXXX of XXXX I lost major income. I reached out to Arvest bank to see if I could receive financial assistance. On XX/XX/XXXX I received a application for financial assistance and completed it immediately. On XX/XX/XXXX I made a payment of {$950.00} to bring my loan one month current so that I could receive financial assistance. I made the payment over the phone and I was told that I would receive a call back. Days went by when I got a phone call on XX/XX/XXXX however, I personally didnt receive the message to call back until XX/XX/XXXX. Arvest is closed on the weekend. Monday, XX/XX/XXXX I called back. I was then told that because my loan came due on XX/XX/XXXX that I would have to make another payment in order to receive the financial assistance they were going to give me. I argued this and was told I would receive a phone call back. Its XX/XX/XXXX and I get a email stating I should call in. I call in and a young lady named XXXX ask ME the status of my financial hardship application. Completely confused I stated that I was calling in to actually receive information after not hearing anything. My phone is turned off but its only been off one day. I then asked if there was a higher up like the president of course or the vp that I could speak to because I would like to at this point file a formal complaint. This is where things go complete left. XXXX - XXXX, a supervisor gets on the phone with me. As Im stating the issue I hear XXXX IN THE BACKGROUND. THIS LADY IS PRESUMABLY RECORDING OUR CONVERSATION ON XXXX. I confront her about this she soon makes an excuse to get off of the phone and hangs up. Ive not received any solution to my hardship from Arvest and I personally feel as though my rights and privacy has been completely violated! 

You can hear the notifications from XXXX as shes receiving messages or posting etc. 

If someone one could address this matter immediately and also help me get resolution for this hardship I would appreciate it! I was told a manager XXXX would call me back and he hasnt yet,
Product: Debt collection

This account was opened in my name without my authorization. I don't recognize the reported account ending in XXXX listed as a charge-off on my credit report. This is a request for the account to be deleted from XXXX  XXXX, & XXXX. I asked Barclays Bank Delaware to validate with a contract for proof of signature, this doesn't exist.
Product: Credit reporting

XX/XX/XXXX I made a payment, in person, ,on my Credit Card with XXXX XXXX XXXX XXXX Pennsylvania . I made a {$500.00} payment and was given credit for {$50.00}. A 30 day late counter appeared and my credit report. The Creditor subsequently corrected it and removed the late. However, although XXXX has kept the late off, the other XXXX repositories reinserted the item not once but twice. XXXX corrected the mistake and removed it on XX/XX/XXXX. Trans Union has been especially egregious having insisted last year the item still remains. This has caused continued harm to my credit score and I am contacting an attorney. Having worked in the industry for more than 40 years it 's unconscionable that this continues. The creditor insists to me that they corrected this more than 2 years ago.XX/XX/XXXX asked them to look into my account history and it showed I was never late. I have a copy of the XXXX deletion and am extremely frustrated.
Product: Debt collection

I received approximately 52 phone calls in a 14 day period. When I spoke to XXXX at this company, she stated they are allowed to call 4 times per day. I explained to her about the FDCPA and Telephone Consumer Act. She said, No, we are allowed to call 4 times per day.
Product: Credit reporting or other personal consumer reports

I told lexis nexis to opt out from all my information and not to share any of my data or sell anything that has to do with my name. I contact them many times and now reported them to the FTC. My name is copyright
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX  update my credit report from showing charge offs on a monthly basis which is incorrect as well as providing a 1099C which they refused to provide. XXXX XXXX XXXX has charge off account XXXX in XXXX of XXXX and is reporting on a monthly basis the charge off but not willing to provide a 1099c
Product: Vehicle loan or lease

On XX/XX/XXXX I entered a consumer credit transaction sale for a used car not a loan pursuit to 15 usc 1602i. The dealership failed to explain the contract clearly and conspicuously along with a given notice that I had 3 days to rescind the agreement pursuit to 15 usc 1635a. I was told we had to put a down payment of {$2000.00} down to leave with the vehicle which 15 usc 1605 states that the finance charge ( 12CFR 226.4 ) is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. I was never given the contract until I reached back out to them XX/XX/XXXX due to COVID-19 and the fact that I gave birth that same year. I was never told that my contract was sold to Preferred Loans and that I had to contact them for a copy. My monthly payments were on Autopay and I really didn't paid attention to who was drafting my acct. I didn't give XXXX XXXX permissible purpose to give my information to a third party. I contacted them and they referenced that the dealership has it not them. XX/XX/XXXX XXXX in a row I've contacted XXXX XXXX XXXX to get the contact with no success. On XX/XX/XXXX I decided to go there and receive it and was given a copy. As I was reviewing the contract I found numerous violations from TILA, USC Title 15, Ch 41, UCC Ch3, CFR Ch12 and documents that were forged that I nor my husband recognized or signed. I also find one that was never in the paperwork that was forged ( UCC 3-403 ) as I had no knowledge that we had a warranty. XXXX XXXX, XXXX I sent a copy of the Right of Recission , Affidavit of Truth along with the Exhibits of the contract to all partys ( XXXX XXXX and XXXX XXXX XXXX and Preferred Loans ) with a return slip and certified. The documents sent to Registered Agent was returned back XX/XX/XXXX. 
On XX/XX/XXXX Preferred Loans sent a repossession company to my home to repo the vehicle which again broke the law 15 usc 1693e and it was on private property which violates trespassing private property. In order for them to not take the vehicle we were forced, pressured, threated and insulted verbally to pay {$1000.00}. It was an embarrassment to have a tow guy come to your home on private property and caused me to have a XXXX  and XXXX XXXX because I've never dealt with a situation like that. A billing error notice was sent out to them via certified with return slip ( tracking # XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XX/XX/XXXX I returned phone call to XXXX, CEO to Preferred Loans, in regards to the contact that was sent over to them. She stated that I signed the contract with XXXX they have nothing to do with it as they only purchased the contract so I need to deal with them with the violations. I haven't heard anything back from them so I sent over a Conditional Acceptance letter XX/XX/XXXX via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX ). I'm trying to resolve this in a private matter before going to the courts. All documents are included in this complaint that was sent. I've also forwarded this information to Attorney General XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life
Product: Credit card or prepaid card

Closed card in XX/XX/2022. They allowed a charge to go through that I did not renew for XXXX. I made several unsucessful attempts to contact the charging vendor prior to the charge. Despite those attempts, the card is stating that they allow recurring charges. At time of closing card, it was not disclosed they would allow recurring charges to process. I did not authorize any.
Product: Debt collection

I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report. 

I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit
Product: Checking or savings account

XXXX dollars in overdraft fees were withdrawn from my account. I did not owe that in fees..please can someone review my account
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for reporting my student loan on my credit report without my authorization, which I have never grantedeither in writing or in person. I contend that this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the permissible purpose for accessing and reporting my credit information was strictly limited to evaluating my creditworthiness for the initial loan application. 
XXXX. Lack of Any Authorization I did not provide XXXX or the Department of Education with any authorizationneither in writing nor in personthat permits them to access, report, or transfer my credit information. My consent was solely given to the original lending institution for the purpose of evaluating my creditworthiness to extend a student loan. 
Under 15 U.S.C. 1681b, any entity that accesses or furnishes a consumer report must have its own permissible purpose. Since I never signed or agreed to any separate authorization for XXXX, they do not have a lawful basis to report my personal credit information. 
XXXX. Unauthorized Transfer of Permissible Purpose My authorization to the original lending institution was narrowly defined for assessing credit for the loan. It does not extend to any third-party servicer, including XXXX Transferring my credit information to them without obtaining a new, explicit consent is not permissible under the FCRA. 
Therefore, the act of reporting my student loan data by XXXX is conducted without the legally required permissible purpose. 
XXXX. Violation of FCRA Provisions and Consumer Rights The FCRA mandates that only those entities with a proper, documented authorization may access and report a consumers credit information. By reporting my loan without my explicit consent, XXXX  is not only misusing my credit data but is also in violation of my rights under the law. 
Furthermore, if XXXX is unable to provide incontrovertible evidencesuch as a signed document or any form of verifiable authorizationproving that I consented to this reporting, they are obligated to remove all references to this account from my credit reports immediately. 
XXXX. Request for Immediate Action I demand that XXXX  immediately cease and desist from reporting my student loan data on my credit report unless they can provide legally valid proof of my authorization. 
If no such evidence exists, I request that all reported information regarding this account be removed from my credit files promptly, in accordance with the FCRA and relevant consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and enforce compliance with the FCRA, ensuring that XXXX refrain from reporting my credit information without proper, documented authorization. 
Thank you for your prompt attention to this matter.