23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Prepaid card

On XX/XX/XXXX XXXX, attempted to use an American express reward card ( amexreward.com ) and is continuously declined across a variety of online merchants ( XXXX, XXXX, XXXX  etc. ). I contacted the company and they indicated they don't see the reason why it is declined and to " try another merchant ''. 

I live in a rural area and do not have access to a physical store to purchase these items, and seemingly can not use the card for any oneline purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit card

I had a late fee charged to my account XX/XX/24 in the amount of {$30.00} and interest in the amount of {$3.00}. I requested the fee be waived via a secure message to Citicard 's customer service. I thought that had been taken care of but realized it was not when I was charged another late fee of {$33.00} on XX/XX/24 and interest in the amount of {$.00}. I contacted Citicards on XX/XX/24 to again request one of the fees be waived. That request was again denied but I was given a number to call to speak with a XXXX. On XX/XX/24, I called XXXX and requested a XXXX. I rep said he would look into it for me after which he said again, he couldn't do anything for me and that I needed to pay the entire balance of {$68.00}. I told him I am willing to pay one of the fees but it feels like getting a late fee charged for a previous late fee is both unethical and illegal. He said sorry but nothing he can do. I unfortunately was not given the opportunity to speak to a XXXX. I also find it odd that the late fee for the month of XXXX was exactly the same amount as my balance from XXXX.
Product: Mortgage

Credit not being applied to load balance. Ditech keeps making excuses ; they verify they have the payment, but refuse to use it. I tried several times to have them apply this amount to the next monthly bill, ended up having to make late payments because they didn't apply as they had been asked to do. 

The issue may have started in XX/XX/XXXXbut was exacerbated in XX/XX/XXXX. Two payments were applied in XX/XX/XXXX. Both are acknowledged by Ditech when talking with them on the phone. This acknowledgment has done by several agents in the multiple phone calls with them to resolve the problem over the overpayment. In previous phone calls, it was understood that the over-payment would be applied to the next month 's mortgage bill. Instead, it was not, and late fees have been applied. I am providing the invoices so that the new interest charges for XX/XX/XXXXcan be seen. XX/XX/XXXXwas the month the overpayment should have been used. Ditech had the entire month to apply this over-payment, instead, they chose not to apply it for XX/XX/XXXX. Another couple of phone calls were made. We were told that an investigation needed to happen, and they wanted back statements to prove what they had already acknowledged as a payment in their system. Again they were asked to apply that over-payment to the bill immediately. They did not. They were asked to use it for the XX/XX/XXXXpayment, and they did not. After multiple phone calls in XX/XX/XXXXand XX/XX/XXXX, they still have not completed this supposed " investigation '' on their part. 

I called twice this week. Today I was on hold for a supervisor for 55 minutes before they hung up on me. I see multiple complaints about them delaying/making excuses about applying the credit toward the monthly payments. It appears this is the method they are using to rack up late fees. Things seem to have gotten worse since their chapter XXXX filing. 

I am looking for a solution to this overpayment, which they acknowledge but refuse to refund or apply to the monthly mortgage payment. 

Please let me know what info I can provide to help with this recovery of funds paid. Thanks for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX  XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XXXX throughXX/XX/XXXXXXXX  The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX  XXXX  never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX   dollars per month. I never expected XXXX  XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.
Product: Credit reporting, credit repair services, 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  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX 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 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: Mortgage

Lakeview, serviced by XXXX XXXX, raises my rate and monthly payment without any notification. 

They do not provide any justification for increasing my monthly payment for a small condominium with a {$200000.00} loan. 
They do not respond to any of my communications. 
They do not assist or provide any remedy, and they are gouging me to the point that I can no longer afford to pay. 
They constantly demand, charge, gouge and treat as they have the Condominium and my good credit as collateral. 
In one year, they have raised my monthly payment from {$1100.00} to {$1800.00}. 
I am reaching out to you for relief as I am desperate and this company has made my life miserable.
Product: Vehicle loan or lease

I refinanced my XXXX auto loan with Capital One in 2020. I mailed the power of attorney document on XX/XX/2020 and submitted registration and identification information to Capital One by email on XX/XX/2020. I subsequently paid off the loan ahead of schedule. 

I never received the lien release or title from Capital One after I paid off the loan. I found out that the XXXX was never released when I tried to obtain a copy from the XXXX. After speaking with Capital One, I learned that there was a {$0.00} balance on my account from interest after I paid off the loan which prevented them from sending me a paid in full letter. I never received a request for payment for {$0.00} from Capital One and never heard of it until I called to resolve this problem. They have also been unable to send me the title despite the fact that I gave them a XXXX account. At this point it has been almost XXXX  months since I paid off the loan. A representative from Capital One told me that I could have called at any point in the last XXXX  months to collect these documents ; however I think it was Capital One 's responsibility to take final steps with the XXXX and with me as a customer. 

Documents available on request.
Product: Debt collection

I get 10 calls a day over and over for the past 2-3 weeks from a loan company called Mobiloans claiming there is a debt owed of XXXX for a loan that was under my name social security and address that supposedly was direct deposited to a XXXX  XXXX XXXX account which I am not affiliated with nor have I had. I've called XXXX XXXX XXXX to verify this information and there has been no such deposits or accounts with any deposits from Mobiloans under my name and social security number. Since I denied the debt they continue to call me continually. This is not my debt. Please help me.
Product: Credit card

I received a message alert about updating income for my XXXX XXXX XXXX XXXX from Synchrony Bank but I can't get verified ( a code ), cause the website doesn't recognize my phone number I have had for 30 years. It is the number i use on my account, ( see attachments ). So I can't update the income information for that account until I can have access to my profile. The problem is I can't receive a text or phone call cause when I input my phone number, I get a message stating the system doesn't recognize my phone number, so I can't get in to update what Synchrony Bank wants me to update. A rep called and left a message on my voice mail on XX/XX/year> said it was working but the feature is " NOT '' working, thus I can not update my income on the profile page as I can't receive a " Code '' to enter cause Synchrony Bank doesn't recognize my phone number that is listed on the account since it was open, and that is sooo strange to me. I don't know what phone number to use as I only have 1 phone number.. This is my " third time '' to try and rectify the problem in as little as two weeks, to no avail, I mean what is wrong with that company? I Have provided an attachment that shows what the message error is I get when I enter my phone number to receive a code by text, ( see attachments ). This information is current as of XX/XX/year> ....
Product: Student loan

On XX/XX/XXXX I called the Borrower Defense to repayment application at XXXX to find out if I was eligible for money from XXXX. I was told that because I paid off my loan I was not eligible. I worked 2 jobs and paid approximately {$37000.00} in student loans and interest. I feel that since I worked 2 jobs to pay for this loan and paid it off in good standing and I should be entitled to my money back since the school defrauded me. After I graduated they sent me to XXXX XXXX and I was fired after 30 days. I was not properly trained by XXXX for the work that they wanted me to perform. Many of my classmates went through the same thing. We were promised good paying jobs, placed in a good paying job and terminated after 30 days. I took a job at XXXX 's after my termination in 2006. I took many jobs to try to pay off my loans and to remain in good standing. We have not been able to purchase a home because I spent my money on these worthless loans and we do not have enough money to purchase a house in this market were home prices are accelerating on a daily basis. My husband and I currently live in an apartment complex that is rift with drug users and other criminals because we can not afford to move into a decent home due to the money I paid into these worthless loans. XXXX XXXX dollars is a lot of money to throw away on a useless education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account inXX/XX/XXXXI was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX XXXX XXXX  banking partner were not able to accept a paper check as a form of payment. I contacted XXXX XXXX   and informed them that check payment method was the only way I could pay due to my debit card being replaced. XXXX XXXX  rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XX/XX/XXXXalthough my payment is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - tried accessing my account in Experian and can not access account Two months ago I did access my Experian account with no problem to unfreeze and for increase in credit card limit and then quickly freezed account after credit limit approved in hours I want to unfreeze my credit report again, and can not access Experian online nor via phone. 

Even though I identify myself with birthdate and ssn online, Experian rejects it!!! 

On phone, even though I enter ssn, and zipcode and street address number, Experian does not allow me to speak to anyone! 

Pathetic service. I do not know what to do next. Failed online and on phone to reach representative.
Product: Credit card or prepaid card

XX/XX/2018 I went through financial hardship ( Lost my job ) and my account had a balance of {$870.00} with a {$1200.00} credit limit. When called by my creditor ( Which i had 2 years of On time payments with ), I described my situation and explained that i was actively looking for another Job. That I needed some time to get employed and receive my first check. I actively answered and gave updates when I found my new job. That Id be able to pay and that I only needed one more month or less for a minimal payment with my first check. I was told I needed to pay at least 2 months or the account would be closed which I couldn't afford and unfortunately it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE REASON : EACH CREDIT BUREAU TRANSUNION, XXXX, XXXX  ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.Transunion reports XX/XX/2014XXXX XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.
Product: Credit reporting or other personal consumer reports

TransUnion needs to verify information properly. Several attempts to correct misinformation have not been successful
Product: Checking or savings account

About two years ago I received a letter from Wells Fargo Bank asking me if I received a settlement check already. I called Wells Fargo and asked them to send me the check. When I deposited in my XXXX account ( Wells Fargo is no longer my bank ), it was returned with a notice : Refer to Maker. For quite a while, I did not know where I had put the returned check. When I found it recently, I tried to cash it at XXXX, but there was something wrong. I then called Wells Fargo and verified that the check would be honored at a Wells Fargo branch. But when I presented the check to the teller, he called the checking dept and was put on hold for XXXX minutes before he was told that they could not verify the validity of the check. The next thing I did was file this complaint. The amount of the check is {$54.00}. I believe that Wells Fargo is attempting to avoid paying off this settlement by playing these games.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX  XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

I found inaccurate information in my AMERICAN HONDA FINANCE XXXX XXXX. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section XXXX, I have the right to privacy, and 15 U.S.C Section XXXX A Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to SYNCB/PPC to validate a false debt that they put in my name and has been negatively effecting my credit report, the weren't able to validate the debt as mine so they closed the account and registered it as paid, although I have never given them a dime.
Product: Debt collection

This complaint is against American Express. They are repeated calling me to collect a debt that is not mine. I have told them this is not my debt and remove my phone number but they continue to call and harass me. This debt belongs to another women with the same name as mine that lives in the same town. Ive told them this repeatedly times.