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

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear to whom it may concern, My name is **XXXX XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX J XXXX 02 XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX . These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XX/XX/XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX/XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XX/XX/XXXX How can there be $ 163 monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX    Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX XXXXnquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

The unverified accounts 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 these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt Dear Absolute Resolutions Investments , LLC, I am writing to formally request validation of the debt associated with my account referenced under the internal account number is XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I received a notification regarding this debt ; however, I have not been provided with sufficient documentation to validate the claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt you assert I owe. To date, I have not received any documentation that verifies the legitimacy of this debt or any signed agreements correlating to a loan with Absolute Resolutions Investments , LLC . Specifically, I am seeking the following information : 1. Proof of the original loan agreement, including any signatures I may have provided.

2. Detailed account statements that illustrate the charges leading to the outstanding balance.

3. Any additional documentation that substantiates your claim against me. 

Without this information, I am not able to ascertain the legitimacy of this debt. Therefore, I respectfully ask that you provide the requested validation within 30 days of receiving this letter. If you can not provide adequate validation, please consider this matter resolved, and kindly remove any references to this account from my records. 

Please send all correspondence and documentation to my address listed above. Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Went to get a line of credit or equity out of my house and they ran my credit report and they said no, I just wanted to get away from XXXX interest they are making off of me on a loan that I only owe XXXX of a loan that was only XXXX to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, XXXX, and XXXX with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a credit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Equifax : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX Balance : {$1500.00} DEPTEDXXXX XXXXXXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " AFFIRM '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. AFFIRM FAILED TO REPORT TO XXXX THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " XXXX '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH AFFIRM AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY XXXX CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 XXXXAFFIRM IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! AFFIRM HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY AFFIRM. 3. AFFIRM PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST AFFIRM IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY XXXX CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they got a complaint but it doesn't seem to have come from me '' oh yes the XXXX it did!!! CASE ID # XXXX. Innovis is violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me. IM not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters. REF # XXXX. Yes it me XXXX XXXX Innovis. Delete the XXXX negative item you are reporting. Or should I spell it out ... Read number ( 5 ) 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it you way, no you should do it according to the laws set in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Checking or savings account

I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.
Product: Checking or savings account

Hello, I am writing to bring to your attention of fraudulent transaction that was made to my account I discovered that multiple withdrawals from my account that I don't authorize I request that please investigate this matter thoroughly and take necessary step to refund the amount that was fraudulently taken from my account I attached a copy of my bank statement highlighting the unauthorized transactions please investigate this matter and keep me updated thank you very much I appreciate a prompt resolution thanks. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligations under the law the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation into disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. They have also allowed accounts that are charged off to keep reporting late payments onto the account when the account is closed. This is a clear violation of the federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted 3 collection accounts, then reinserted the accounts without my knowledge. Per FCRA, they must notify the Consumer 5 days prior before reinserting the collections. I was never notified therefore they are in violation. These 3 collections were closed and reinserted on the same day, XXXX/XXXX/2017. I disputed the accuracy of these accounts and they were removed, they should not have been reinserted back to my report. In the attachment below these are the exact same 3 accounts being removed and added back WITHOUT prior notification.
Product: Vehicle loan or lease

When we made the final lease payment on a 2015 CRV with Honda Financial Services, they attempted to add on a {$350.00} " end of lease '' penalty/fee for not buying the car. There is a section ( see attached copy of agreement ) that mentions a fee, but there is a N/A next to it which we were told meant non/aplicable and it did not apply to our lease. We leased from XXXX XXXX ... which has gone out of business and is now owned by XXXX XXXX XXXX. I have sent two responses along with a copy of the lease with highlighted section showing the penalty/fee does not apply to us to both XXXX XXXX and Honda Financial Services.. They just ignore my correspondence, send us more bills and threaten to ruin our credit by reporting us as being delinquent to credit bureas.. We made 39 lease payments, all on time, and returned vehicle in perfect condition ( professionally detailed ) and with only XXXX of XXXX miles used. Tacking on an additional fee that does not applhy to us seems very close to fraud.
Product: Credit card

May the purchase at XXXX XXXX  XXXX through third-party app Klarna. Returned item, XXXXXXXX XXXX  XXXX returned refund to Klarna. Klarna refuse put refund back on credit card. Instead, they are giving me a credit on their app. They indicated that I choose to get my money back fast and therefore they get to hold my money hostage. I have proof that I never choose such an option. When asked if it was in writing, they said no, its just what they do. I never agreed to have my money refunded for Klarna credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed a few years ago that my information was compromised via the Equifax datat breach. They offered me a lot of free this and that but never took the accounts off.
Product: Debt collection

I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party ( CMRE ). I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital hit my XXXX  credit report when Idid not apply for credit. They did it on XX/XX/2021 and XX/XX/2021. I wrote them a letter on XX/XX/2021 asking them to send me a letter saying I did not authorize them to check my credit on XX/XX/2021 and for them to send it by XX/XX/2021. They hit it again on XX/XX/2021 again not authorized by me. The person they are checking lives in another state per my credit report.
Product: Debt collection

This account is not mine and I reported to the identify theft org and I want this account removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed a fraud alert on my credit report without my expressed permission in violation of the following FCRA regulation : 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall Without a phone number this alert is useless ...
Product: Mortgage

case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.