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

Attn : This is a new Complaint. 

Subject : Formal Dispute and Correspondence Address for Experian Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Experian XXXX Department Dear Experian XXXX Department, I am writing to formally dispute and address critical inaccuracies in my credit report. This letter serves as an official communication regarding the ongoing issues I am experiencing with my credit information. 

**Personal Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX **Dispute Details : ** I dispute the accuracy of my credit report based on the following grounds : 1. Discrimination in the Dispute Process : Experian 's refusal to allow online dispute filing has extended the resolution process, which I consider a form of discrimination. I request equal access to all dispute resolution methods. 

2. Credit Score Injustices : My credit score, currently in the XXXX, is unduly affected by monthly reporting from XXXX XXXX. I request the immediate removal and blocking of XXXX XXXX from accessing my information and a correction of my credit score to at least XXXX, reflective of my creditworthiness. 

3. Dispute XXXX  XXXX Business Card Account XXXX or ( # XXXX ) : I vehemently dispute the presence of a XXXX  XXXX business card account on my credit report, as I have never authorized nor been associated with such an account. I request an expedited investigation into this matter. 

4. Formal Complaint on Discriminatory Credit Scoring : I submit a formal complaint regarding potential discriminatory and racist influences on my credit score. I request a thorough investigation to rectify any systemic biases impacting my credit score.

5. Removal of Unauthorized Inquiries : I demand the immediate removal of hard inquiries initiated by XXXX XXXX, an unauthorized creditor. I emphasize the gravity of this issue, as highlighted in my FTC complaint ( # XXXX ). 

**Correspondence Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I expect Experian to promptly investigate and address these concerns, providing a resolution that upholds my consumer rights and rectifies the inaccuracies in my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a credit intervention letter was sent to Equifax in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in to TransUnion stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.
Product: Student loan

I took my loans out in XXXX. My account to date still looks like I just took the loans when i refinanced. My loans have grown over the years despite paying them for a majority of the 25 years I've held them. When I took forbearance in the past it was due to financial difficulty and the minimum payments being beyond what I can afford. 

Now I am years away from retirement, Aidvantage, despite a previous complaint filed here In XX/XX/XXXX - Complaint # XXXX - which they responded to with more detail then they have EVER responded to me ( they make it IMPOSSIBLE to contact them ), still doesn't care that I have been paying for decades and is prepared to take payments from me like my loans are brand new. Furthermore, in this economy where prices have gone up but salaries haven't I can't afford these payments and I CAN NOT POSTPONE THEM AT ALL. 

Lastly, I thought I had at least 5 months of a forbearance ( I was not fully employed ) left when the pause began that I ASKED TO BE ABLE TO FINISH OUT ( filled out a form for which was received but I did not receive a response ) and although my request seemed to have been accepted ( not rejected ) aidvantage is now saying I have not paid last months payment. 

During the admin forbearance they sent me emails telling me I owed them monthly, and but for their response to may last complaint, I wouldn't have known that I was in forbearance. This whole thing is criminal and I WILL NOT suffer now or in retirement giving money to this enterprise. I can't even email them. Trying to call or set an appt is impossible. I REFUSE TO BE SHAKEN DOWN
Product: Credit card

Let me start by saying that I have a credit score of XXXX so I pay my bills on time. In XXXX I had a charge of {$40.00} on a rarely used AT & T Universal Card issued by Citi. I have had this card since 1990. The billing had been changed from paper to e-mail. I have no recollection of authorizing this billing change. I was not looking for a e-mail billing and was only alerted when I got a e-mail saying I was late. The {$40.00} initial charge now included a {$25.00} late fee plus interest. I called customer service, explained the circumstances and asked that the late fee be waived. I sent a check for the {$40.00} charge. I was denied the waiver by phone and by letter which I received on about XXXX XXXX. I sent a letter to customer service on XXXX XXXX explaining my situation. I received a form letter on XXXX XXXX again turning down my request for a late fee waiver. I called customer service and asked to talk to a supervisor. I was told that no supervisor was available but that one would contact me. In the meantime my late fees and interest on the original {$40.00} charge have grown to $ XXXX.Still no call from a supervisor even though I again called customer service requesting to talk to a supervisor. I feel it is unconscionable to access late fees when I am trying to resolve the issue and have yet talked with a supervisor. The late fees are excessive and the bank is taking advantage of the fact that it takes time to get hold of a person with authority. I have authorized by bank to pay the {$63.00} to avoid further fees but am not pleased with this banks service and gouging of its customers. Not one person of authority has responded to my letters. Not one person of authority has looked at my request yet the fees keep getting accessed. Again, none of this would have occurred if the credit card company had not switched the billing to e-mail.
Product: Payday loan, title loan, or personal loan

This account was charged off on my credit reports. The creditor reduced the balance to XXXX. That's what is reporting to the bureaus. Now they filed a lawsuit in the magistrate court. The date of the summons is XX/XX/2023. The paper was taped to my front door at home on XX/XX/2023. 30 days have passed to respond to this report. Service was not proper. I am asking the debt collector to withdraw the lawsuit.
Product: Debt collection

I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide the documents on file that they have on file that was used to verify the accounts I am disrupted. Being that it 's been past the 30 day mark and they can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible Thanks
Product: Debt collection

I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from XXXX XXXX XXXX. One of these credit cards were accepted by XXXX XXXX for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, XXXX XXXX refused to discharge these cards and have sold the account to Portfolio Recovery Associates who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between XXXX XXXX and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
Product: Credit card or prepaid card

On XX/XX/2021, Bank of America ( BOA ) processed two {$70.00} charges on the same day from a company claiming to be XXXX XXXX. We made neither of the charges. The web address provided on our bill is fake. BOA later claimed that the company is XXXX XXXX XXXX, who has also denied charging us. BOA has denied our fraud claim twice and their Existing Claims department will not answer my call. Please help!
Product: Mortgage

I submitted an online refinance application to Caliber Home loans at the beginning of XX/XX/XXXX. When I didn't get a response I called them directly ( Around XXXX ) to start the process, they currently hold my mortgage. I got an email from the loan officer XXXX XXXX with rates for a 30 year FHA which is not what I wanted at all and then a request to sign a disclosure agreement. I had replied that I was not interested in that I was looking to move off of my 30 year FHA and over to a conventional with a shorter term. On XX/XX/XXXX, I got options for conventional loans. Shortly after I got a disclosure agreement in the mail. I sent an email asking about it since at no point had I selected one of the options. I got no response. I sent an email on XX/XX/XXXX, advising I had not received a response about the disclosure and would like to go with the 20-year conventional loan. I finally called and had to speak with a generic representative. I asked for another loan officer since mine was unresponsive. I then got a call from my original loan officer who said don't sign the first disclosure she would send the second. The second one came and I signed it on XX/XX/XXXX. I heard nothing else. On XX/XX/XXXX, I emailed and asked why I had not heard anything, was there something I needed to be doing. I tried to call and request again, a new loan officer or to speak to a supervisor which they did not do, they just had the same lady called me again. She sent an email saying my application was with underwriting and I would receive something from them if they needed something and it could take 3 to 4 weeks. I sent an email on XX/XX/XXXX, stating that I need information because I haven't heard anything and my cash-out refi in XXXX did not take anywhere near this much time. I did not hear back. I tried calling the loan officer but her phone says she is out of the office until XX/XX/XXXX ( 2 days ago ) and the main phone line says due to unforeseen circumstances they can not answer the phone and it just hangs up. I can't get any assistance because all the phone lines just hang up. I find this company to be so unbelievably unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint again for you to notify about some incorrect informations on my file that are need to dispute but no one seems to care regarding this matter. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items be removed immediately on my credit file : XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX Charge of {$5500.00} by Government Contracting XXXX Dispute of charge filed with Cardmember Service XXXX Contacted merchant to try and resolve issue - merchant refused XXXX Provisional credit of {$5500.00} charge XXXX Submitted 25 pages of supporting documents to Cardmember Service regarding dispute. XXXX Discovered that the provisional credit had been reversed. XXXX XXXX called and inquired about this. Then she requested that she be contacted by someone in the dispute department because we didn't agree with the information that Government Contracting had provided to Cardmember Service and wanted to continue to dispute this charge. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone regarding the dispute. She was told by the person who took her call that someone would call her back that week. XXXX XXXX XXXX contacted XXXX XXXX  XXXX for help with our credit card issue and was told that they don't handle these things and we have to deal directly with XXXX, the owner of the credit card. XXXX We faxed a letter to Cardmember Service explaining that we were still waiting to hear back from someone regarding this dispute and that if we didn't hear anything by XXXX we would be filing a complaint with CFPB. XXXX we mailed a copy of the fax that was sent on XXXX XXXX XXXX XXXX is filing this complaint for us and is representing XXXX XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from a used dealer and the price on the car window said XXXX, I paid XXXX to hold it and would come back with the rest of my XXXX down payment. The truck had XXXX miles. When I went back the price doubled and now the loan was for XXXX, but I needed a car very bad so I purchased. Right away the truck started giving me problems it kept cutting off I took it back and they were booked for maintenance. This happed in XXXX. Because the car kept cutting off while driving I started changing the battery and alternator nothing worked. I started to be late for work and eventually was fired when the truck left me stranded on the side of XXXX XXXX on my way to work. I called Credit Acceptance Corp explained what happened and was asked to do a voluntary repossession and what ever they sold the truck for I would end up not having to pay anything else on it. I got behind due to Loss wages from the truck cutting off. Now fast forward Credit acceptance has been garnishing my work checks I get government assistance so I'm exempt in Wisconsin from garnishment but they have been aggressive since XXXX and are currently garnishing me now we go back to court in XXXX. I also later found out there was a defect recall on the model XXXX I had and that's why it kept cutting off so I was sold a recalled lemon. I really need help with all the wages I have lost I'm currently facing eviction cause my checks are so short from their garnishment.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there are accounts reporting double for education loans. This information is detrimental to my debt to income ratio because I am in the process of trying to purchase a home and this is setback to accomplishing this goal because inaccurate information is being displayed. The credit bureau is supposed to make sure all information that is reported is accurate and complete, however this is not the case. 

XXXX XXXX XXXX is not my loan servicer currently, however this is information is on my credit file as well as showing a 90 day past due on all accounts form XX/XX/year> which is also inaccurate because the prior three months are reporting as OK or on time, so it is not possible to be on time XX/XX/year> and XX/XX/year> if the accounts were past due 90 days XX/XX/year>. Below are the amounts that are listed as owing, but they were paid and transferred to XXXX which is also showing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

What Happened : Around the end of XXXXbeginning of XX/XX/year>, I attempted to open a business checking account with BMO as a sole proprietor. I reached a screen requesting documentation typically required for incorporated entities, which seemed unusual for a sole proprietor account. Assuming this was an error, I did not complete the application and exited the process. 

I then successfully opened a different account under an LLC, for which I had the required documentation. I believed I had only opened one account. However, I later received two debit cards : one for the LLC account, which I expected, and another for the sole proprietor account, which I did not fully complete.

When I called BMO to close the sole proprietor account, a representative informed me that closing the account within 90 days would incur a {$50.00} fee, as outlined in their business checking product disclosure. I argued that since I had not fully completed the account opening process by submitting documentation, it was inappropriate to consider the account open and charge a fee for closing it. 

Despite my explanation, the representative suggested maintaining a XXXX balance to avoid monthly fees until the account auto-closed due to inactivity. This seemed unreasonable because the account closing fee was still applicable within 90 days of account opening, regardless of activity. 

I believe this situation resulted from a bank error, as I did not intend to open the sole proprietor account. The bank should have acknowledged the issue and waived the {$50.00} account closing fee without requiring me to navigate this workaround. 

Actions Taken : Contacted BMO to clarify the situation and attempted to close the unintended sole proprietor account. 
Was informed of the {$50.00} closing fee and advised to maintain a XXXX balance to avoid fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, Equifax and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Product: Debt collection

Repeatedly calling my phone and now calling my relatives and telling them I have debt. I have requested that they DO NOT CALL, however, they continue to do so and now are calling other people asking questions about me. I do not owe them any money and I want them to cease and desist calling me or people I know. They are annoying and harrassing me and must stop calling.
Product: Vehicle loan or lease

Lender : American Honda Financial Compliant : not applying additional principle payments properly Account # : XXXX. 
Product:XX/XX/XXXX ACCORD. 
XXXX : XXXX My normal payment are scheduled around the XXXX of the month for approx. {$540.00}, I pay {$650.00}. For this payment they apply the extra principle correctly. 
But, around the first of the month I pay {$750.00} or more, payment from my XXXX XXXX bill pay. I notice for this payment they are applying interest to future payment that I will never have. 
I asked them to correct the payment to principle only. On my request they would only correct the last six extra principle payments. They are stating because I didn't send principle payment to a different address they will not correct the extra principle payment for the whole term. The loan started in XX/XX/2017. I have requested with top managers at Honda Finance and they will not correct. 
I understand math and incurred interest. I know the way they are taking interest out of my principle payment before applying to interest will generate additional interest they are not entitled too ... .I believe this is illegal. Whether I mail to one address or the other ... .additional payment needs to be applied correctly, even more so when the customer catches their error and demands it be corrected. 

Please help - Thank you - XXXX XXXX XXXX