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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to follow up the previous CFPB complaint I submitted requesting the correction and update of the erroneous accounts being reported on my Credit File. When I checked my credit record, I discovered a billing problem reported by some of the accounts on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Please remove the late payments from these accounts to appeat accurate information on my Credit File. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance - XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX. I also noticed that there are unauthorixed inquiries being reported on my Credit Report. AS far as I remember, I did not initiate these inquiries. Under the Fair Credit reporting Act, I am requesting that you remove the following inquiries from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In any case you believe that the disputed accounts and inquiries are accurate, I am requesting that you send me copies of proof of verification from your investigation. If you can not support your claims, immediate correction or removal of the negative marks on my Credit File is greatly appreciated.
Product: Credit card

Wells Fargo had my APR rate set at 12 %. I made XXXX late payment in XX/XX/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. 

Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.
Product: Credit reporting or other personal consumer reports

The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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 FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to my XXXX account for {$2600.00}. My minimum due at that time was {$340.00}. The extra amount was {$2300.00}. I called and requested that the promotional plan ( Ending on XX/XX/XXXX ) be paid in full with the extra payment I had just made. The balance on the statement for the promotional plan was for {$2200.00}, this was to avoid paying the interest of {$820.00} that was accrued. I called and spoke with a representative as I had been directed in the past to do if I wanted to allocate the payment to a specific plan. The representative that I spoke with assured that the payment would be applied to the promotional plan ending on XX/XX/XXXX and that the promotional balance would be met and paid in full. 
Instead, the additional payment was applied to a promotional plan, which was a reduced interest plan for 60 months. The payment made was for the exact amount which needed to be paid to the other promotional plan ( {$2200.00} ) which made it easier to follow the mistake. I called customer service again on XX/XX/XXXX to get it corrected and they told me they would submit a dispute. I spoke with XXXX, rep XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX. He assured that he was filing a dispute because it had not been done previously and that it would be taken care of. 
On XX/XX/XXXX I was charged interest for the expiring promotional plan, ( Ending on XX/XX/XXXX ) in the amount of {$940.00}. I again called XXXX on XX/XX/XXXX and spoke with a representative that reassured me this would be corrected in due time and to be patient. I understand that these things can take some time to investigate but this is not the first time that I have had this issue. I made an extra payment on XX/XX/XXXX for {$1000.00} which was the minimum and extra to be allocated to the plan expiring on XX/XX/XXXX for {$470.00}. I called and requested that the payment be applied to the promotional balance for that plan also. When it didnt get applied I called again and submitted a dispute for the interest of {$47.00} and I was assured that it would be handled. 
IT NEVER WAS CREDITED, I NEVER RECEIVED ANY NOTICE OF RESOLUTION. So you can imagine how I do not trust company assurances. Now I am having to pay almost {$1000.00} extra in interest for plans that I paid in advance and followed the procedures and steps that I was given by representatives at XXXX XXXX XXXXComenity Bank . 
I am asking for an expedited review of my account and a refund for the full amount of extra interest that I have been billed for. I have paid the plans before they were due and called in ahead of time to make sure I requested the allocation. This error is not on me, this is a result of your Comenity Bank. Please help me correct these errors and work to form a resolution that will prevent this from happening again either to me or to other customers as Im sure I am not the only XXXX. I mailed a letter to them as well requesting review. I received an update confirming that I did make a payment on XX/XX/XXXX for {$1000.00}, which was not the issue. At this point I am out almost {$1000.00}
Product: Credit card

XXXX XX/XX/year> I received a call from Comenity Bank regarding my past due bill from XX/XX/year>. I agreed to pay the bill along with the next due payment for XX/XX/year>. The person I spoke to offered me to set up automatic payments up until XXXX. The offer was to pay somewhere between XXXX XXXX I requested to pay XXXX $ instead and this person agreed I can pay extra. Everything was set in stone and I verbally consented to the monthly automatic charges. This month of XX/XX/year>, I decided to renew the automatic charges starting XXXX. This is when I noticed I was being charged late fees. When I called Comenity Bank I was told I was not paying the minimum due amount. If I was told a set amount ( which was considered extra by the employee ) and paid it, why am I being penalized? Their negligence is now not only affecting my finances but also my credit.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Debt collection

This is the 3rd time we've had to deal with this same issue, they keep selling this debt claim to other collection agencies. THIS IS NOT OUR DEBT. We've had 2 claims already filed showing this is not our debt. Every 6 to 8 months it appears they try another collection agency. I've attached our last complaint, in which that collection and the prior agency agreed it was not our debt. 

This new collection agency - Enhanced Recovery # XXXX. The number they left is XXXX. XXXX it is an XXXX collection. We had XXXX & XXXX years ago and they even show we had a credit when we left their service. 

Thank you for your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I engaged Experian via certified mail in XXXX of XXXX asking them to validate XXXX XXXX after I had disputed with the company directly on their website and reached out to XXXX XXXX to verify & dispute that I have debt with them. XXXX promptly responded & failed to verify that I have a debt with them & prove that they are licensed & bonded to collect from me or in my state ; however, Experian updated my dispute as " Verified ''. In response, I sent a certified letter to Experian in XXXX of XXXX asking them to share the details of how they validated XXXXXXXX XXXX Experian responded to me by asking me to validate my identity. When I called to ask why, the stated that " they assumed I was a credit repair company or my identity was compromised so they wanted me to send in another copy of my ID & SSN plus proof of my mailing address. I did. At witch time this request was asked of me in XXXX of XXXX, well after the 30 day response time. In XXXX of XXXX I sent a 2nd round of the same request with all of the PII they requested, and they again asked me to verify my identity and dispute with the collection company. In addition, this response came to me via email when I asked for a response via mail.
Product: Mortgage

On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX. 

Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website. 

Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it. 

Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.
Product: Credit card

The Discover card I was sent contained different terms than I was offered. In order to cancel the card, they are requiring I send a copy of my State drivers license. This was not required or disclosed when applying for the card. It is also an invasion of privacy and a security risk. 
I wish to cancel and close both of my Discover Card credit accounts Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to remove 3 loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

Shellpoint Mortgage is inflating maintaince charges. They make up fraud each month that is more than my payment. eg Their lawyers fees : {$3000.00} ... .they charge me {$40.00} per week to drive by my house... I call them... they tell me ... '' Yes we are doing that ... ..because we can '' ... ..Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged on XX/XX/2023 due to total and permanent military XXXX. XXXX is the only credit reporting agency who has removed the student loans from my credit report as instructed by XXXX and the Department of Education. I have contacted Equifax and XXXX on several occasions and provided them with documentation and they still will not remove the loans. This is preventing me from being able to obtain a mortgage or anything else. They keep giving me the run around saying their is nothing they can do.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX .XXXX - XX/XX/XXXX .XXXX XXXX  - XX/XX/XXXX .XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have tried to keep a great fico of 780-815 since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible?

2 ) I just got a XXXX CC XX/XX/XXXX ; along with the card Is a transunion credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from Transunion they go from 774-798. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX ; back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX went to dealership and they put more inquiries on report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the Equifax Data Breach. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a mortgage loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.