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

I am writing to dispute the late payments reported on my credit file for my car loan account with XXXX XXXX XXXX. While I acknowledge that there were late payments made during the course of the loan, I have since settled the account and paid off the loan in full. I believe that the report may be inaccurate in reflecting the full and timely resolution of the loan. 

The details of the disputed account are as follows : Account Name : XXXX XXXX XXXX Date of Late Payment : XXXX XXXX XXXX  The account was settled and paid in full on XX/XX/year>. I have attached the settlement letter and/or proof of payment for your reference. I kindly request that you review this information and remove the late payment entries from my credit report. 

Thank you for your prompt attention to this matter. Please notify me in writing of the results of your investigation.
Product: Checking or savings account

On XX/XX/XXXX, when reviewing my First Bank Puerto Rico account, I found that two unauthorized transactions had been debited in favor of XXXX XXXX. The total of transactions is {$300.00} ( {$120.00} + {$170.00} ). At anytime I made these transactions or authorized them. Immediately I proceed to notify First Bank Puerto Rico. A dated letter with XX/XX/XXXX from First Bank inform me that the transactions were correct and my money was not credited to me. On XX/XX/XXXX I made a written appeal and as of today I have not received a response and my money has not been credited.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/23 XXXX XXXX - " Missed Payment '' - {$100.00} Paid off. Even though the bill is incorrect as the last payment had been made to cancel service, transfer the number to XXXX. 

Attempted to clear negative info off the credit report. Contacted Experian, XXXX, and XXXX XXXX. None offered any solution to filing a correction to my credit report. Currently Losing lines of credit for negative impact. XXXX unhelpful Experian was too. Both condescending, rude, and uninterested.
Product: Student loan

In the late XXXX, my then-husband and I took out a Sallie Mae consolidated student loan. The amount was between $ XXXX. We have been paying on average $ XXXX for the time since, with the exception of a short deferment after our son was born and needed XXXX. Because we divorced in 2001 and we were not permitted to separate the loan we for a few years sent our payments in separately and on time. We did n't realize for a few years that we were being charged late fees. Why? We were n't late on payments during that time. It affected both our credit. This loan payment has been an extreme burden, and we currently, almost 20 years later, owe about $ XXXX. How could we possibly still owe that much after making payments all these years? It 's mind boggling. It 's because they 're corrupt. What they 're doing is a scam, and I feel like it we went to court, we would win. We 've even asked them to provide documentation of our account activity and charges. They will not. We have applied with a payment reduction program, and more than once they 've tried to RAISE our payment to a {$1000.00}! We ca n't afford that. It is not legal. It ca n't be. Who is going to hold them accountable? I know of other people who consolidated with them and are in the same insane boat! Please help!!!!!!
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX 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 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.
Product: Money transfer, virtual currency, or money service

Unable to link my PNC account to my cash app card to deposit money
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and the original creditor of an open ended credit plan, was denied my right of credit by Navy Federal. I was notified of this transgression of my rights specifically 15 usc 1601- The Truth in Lending Act, I as a natural person possessing an open ended credit plan was harmed by Navy Federal adverse action against me denying my rights, of which the Civil damages pursuant 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Product: Checking or savings account

Comenity Capital Bank recently refused to honor the following payments from my Comenity savings account : Date Initiated : XX/XX/XXXX Recipient : Financial Industry Regulatory Authority , Inc. ( FINRA ) Purpose : Registration Fees Amount : XXXX Date Initiated : XX/XX/XXXX Recipient : XXXX XXXX XXXX  XXXX. ( Chase ) Purpose : Credit Card Payment Amount : {$130.00} With regard to the FINRA payment, on two separate occasions I spoke with a Comenity customer service representative ( XXXX is her name I believe ) who incorrectly told me that the payment to FINRA was honored but that FINRA returned the payment to Comenity with no reason given. I incorrectly relied on this completely bogus information in my conversations with FINRA.

Comenity provided no reason for blocking these payments other than to say my savings account is a non-transaction account. It seems completely arbitrary that Comenity should block these payments. Since opening my savings account on XX/XX/XXXX, XXXX has processed payments to a wide variety of recipients, including : XXXX XXXX XXXX XXXX credit card XXXX Internal Revenue Service tax payment XXXX XXXX credit card payment Commonwealth of Massachusetts tax payment XXXX XXXX credit card payment XXXX XXXX credit card payment As a result of Comenity blocking the payment to FINRA, I was late in paying my investment advisor registration fees, which put my employment status at risk and forced me to initiate a wire transfer to complete the payment. Similarly, as a result of Comenity blocking the payment to XXXX, I am late in paying my credit card bill, which will cause me to incur late charges and fees. I have spent an immense amount of time and suffered much XXXX  and stress during my attempts to resolve these payment issues. 

I have never previously had a payment blocked by Comenity and there seems to be no rhyme or reason why one payment request would be honored while another is not. More troubling, neither at the time of opening the account nor at any time subsequent to opening the account was it disclosed to me that Comenity may block a valid and legitimate payment for no apparent reason. Comenity has provided no specific guidance as to what payments will be honored and what payments will not be honored, which is completely unacceptable. The only reason Comenity should be allowed to block a payment is if it believes the payment is fraudulent or unauthorized. And in this case it should only be allowed to block a payment if it has made a reasonable attempt to contact me in an attempt to verify that the payment request is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from Transunion stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

XXXX  also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT CENTRAL FINCL CONTROL HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
Product: Debt collection

In XXXX  I received a collections letter from XXXX and XXXX regarding a credit card debt to Barclays Bank which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that XXXX and XXXX was authorized to collect the alleged debt on behalf of Barclays Bank, and proof that XXXX and XXXX is licensed to operate as a debt collector in XXXX XXXX XXXX. I received no further communication from Barclays or XXXX and XXXX for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXXXXXX  I received notice that XXXX and XXXX was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXX XXXX  ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, XXXX and XXXX knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all Barclays Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.
Product: Debt collection

The companies are reporting inaccurate information that is not mine. I am having difficulty in normal everday life because of this.
Product: Mortgage

On XX/XX/ the TD Bank applied two fees, {$20.00} each, to my mortgage account, following the successful resolution of outstanding mortgage balances by the government assistance fund ( HAF ) up to XX/XX/. HAF 's payment went through on XX/XX/, after the excessive validation of the loan reinstatement amount by HAF and TD bank using federally approved system, etc. The fees do not have any description associated with them and are impossible to understand. ( On a call, TD bank XXXX refused to remove/adjust the fees and told me they were for property inspection, but in that case they should have been rolled into the reinstatement figures submitted to HAF ). The fees resulted in {$40.00} shortage on my XX/XX/ mortgage payment and the payment was not applied creating the possibility for additional fees and late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
Account Number : XXXX  XXXX XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX XXXX, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to contact XXXX XXXX XXXX  to update my credit score due to it being the same for the past 2 months. My score is completely inaccurate on there site. XXXX XXXX has blocked me on XXXX so they didn't have to deal with it. I've called them and they said it's been updated and again I'm stating it hasn't been updated. My score has gone up on a monthly basis and it's always wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax and how they have arbitrarily reduced my credit score with no basis for doing so and can not tell me why this has happened. I have had an excellent credit score for a long time with XXXX at XXXX and Equifax at XXXX. My available credit is over {$50000.00} ( 5 credit cards ) with a recent balance of {$0.00} credit used for many months. I created a single charge with my XXXX XXXX for {$210.00} on XX/XX/23 and then XXXX reported the {$210.00} balance as paid on XX/XX/23. On XX/XX/23 Equifax reported my credit score as XXXX.on XX/XX/23, and on XX/XX/23 my score was reduced XXXX points to XXXX. I called Equifax for an explanation on XX/XX/23 and spoke to an agent and several supervisors to get a reason for this. What they told me was I had a very nice credit report with no blemishes reported from any source going back as far as they could see. They also confided that they could not identify the reason for this action and that it is determined by their " alogrithm ''. The same kind of issue happened around 10 months ago then I paid off a {$2500.00} charge on XXXX XXXX. Equifax dropped my score by XXXX points while XXXX raised my score XXXX points. After sending in a written complaint to Equifax, three months later my credit score reduction was replaced with the proper increase to XXXX. This needs to be fixed! Your help is appreciated
Product: Vehicle loan or lease

My loan through west lake financial the interest is so high. That I will pay almost XXXX for a car worth XXXX! I have tried to refinance it! But its so upside down no one will touch west lake refuses to lower the rest rate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.
Product: Debt collection

This company is in violation of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and also this company is not authorize to collect debt in the state of South Carolina see attached documents.
Product: Money transfer, virtual currency, or money service

Paypal froze my account when i havent broken any rules after promising to release my funds holding almost XXXX in there First it was XXXX XXXX  now its XXXX XXXX ( after telling me theyd release in a few days ) I want my money
Product: Mortgage

Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you
Product: Credit reporting or other personal consumer reports

This afternoon, I was dismayed to discover accounts on my credit report that shouldn't be there, and I have no clue why. I check my report often, but today there were sudden inaccuracies. I thought maybe my browser was causing the issue, so I refreshed it, but the incorrect accounts remained. To fix this, I am asking for a careful review of my submitted documents to ensure this never happens again.