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

Subject : Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by XXXX XXXX XXXX in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose. 

In 2023 during a XXXX XXXX, I enrolled in a payment plan offered through the XXXX XXXX XXXX app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay XXXX months in advance. Despite XXXX XXXX XXXX automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information. 

Upon discovering this discrepancy, I contacted XXXX XXXX XXXX multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit. 

I find it unethical and irresponsible for XXXX XXXX XXXX to establish a payment plan through an app without transparently disclosing the requirement to pay XXXX months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan. 
Transparency : Ensure that XXXX XXXX XXXX provides clear and transparent information regarding the terms and potential credit impact of any future payment plans. 
Communication : XXXX XXXX XXXX XXXX to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX.
Product: Student loan

I have past-due / missed payment on my account because of MOHELA mismanagement. 

On XX/XX/XXXX, I was informed by MOHELA via phone that my account was placed on administrative forbearance from XXXX through XX/XX/XXXX because I didnt received my XXXX billing statement 21 days prior to payment due date. I was told my first payment wont be due until XX/XX/XXXX. This message was also on my account alerts and played on recorded message whenever I called MOHELA. 

My MOHELA account showed that I had a payment due on XX/XX/XXXX but I never received a billing statement for that month. Meanwhile my account still show alert about forbearance mentioned above. I called about this issue on XX/XX/XXXX and XX/XX/XXXX. I was advised to ignore the due payment. On XX/XX/XXXX, the agent informed me she did not see my account displaying administrative forbearance for XXXX but she can see the same account alert I receive. The agent told she placed an expedited request to have this issue fix and the XX/XX/XXXX payment due would be retroactively remove by XX/XX/XXXX. 

I called again on XX/XX/XXXX regarding overdue payment and was told itll take XXXX business days for administrative forbearance to show for my XXXX and overdue payment be removed. On XX/XX/XXXX, I also received an email from MOHELA, informing for the first time that Please note, your forbearance may not go through the end of XXXX if there were other changes that have occurred on your account. This could be a result of activities such as application processing, your request to have the forbearance removed, or other actions. Please closely review your billing statements and notifications for your latest account status. This is the first time learning about this. I had requested my SAVE amount recalculated in XXXX, which was completed in XX/XX/XXXX. 

I called again on XX/XX/XXXX and am now told the request placed on XX/XX/XXXX could take 7-10 business days. Today is at least 10 business days from XX/XX/XXXX and the issue is still not resolved. I tried calling today to speak to supervisor but received automated message saying I would receive a call back but I never did. I made a payment yesterday for my overdue XX/XX/XXXX bill and am making another payment tomorrow for XX/XX/XXXX bill.
Product: Credit reporting or other personal consumer reports

I opened my XXXX XXXX in my XXXX XXXX XXXX on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and TransUnion on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and XXXX XXXX and TransUnion in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my XXXX XXXX.
Product: Credit card

I paid the full amount due on a credit card balance in mid - XXXX, 2016, only to learn after attempt to use card and being denied that the amount paid was received and deposited by Credit Card company, but never applied to my account balance. I have a copy of the check that was mailed, and marked as deposited by Credit Card company. 
I spoke with XXXX separate individuals from said credit card company, and they were not able to resolve even after providing all information from back of processed check by their Company. 
I was advised to FAX my details, along with CREDIT CARD NUMBER, to a number that did not accept, under the header " PAYMENT INVESTIGATION ''. I was repeatedly denied the ability to speak to someone personally I have XXXX FAX receipts that all indicate " no answer '' at number provided. Meanwhile, I have several " auto-pay '' accounts that this card was used for creating havoc and unnecessary work and stress to apply a separate card number for auto-payments.
Product: Credit card or prepaid card

I purchased a workout bike for my wife from XXXX back in XXXX XXXX  XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX  XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.
Product: Credit card or prepaid card

I have been wrongfully charged interest rate on this credit card account because I have a 0 % APR on a balance transfer done in XXXX which payment is not due until XX/XX/XXXX. On XX/XX/XXXX, Statement balance I was charged an interest of {$62.00} for a balance of {$2600.00} subject to a purchase interest rate of 27.74 % ( I have attached the statement document ). This statement period was from XX/XX/XXXX to XX/XX/XXXX. During that period, a total purchase of {$4800.00} was made and a payment of {$4800.00} was also made resulting in a positive of {$39.00}. I am currently disputing the charge of {$62.00} and will continue to. Yesterday, XX/XX/XXXX, was another monthly billing statement for the period XX/XX/XXXX to XX/XX/XXXX. I was charged a purchase interest of {$110.00} for this period on a balance of {$5100.00} subject to a purchase interest rate of 27.99 % ( I have also attached the statement document ). During this period purchases made were {$540.00} and payment made was {$700.00}, which is a positive of {$150.00}. The question I had for the bank representative when I called on the interest charge is to explain why on previous the statement that closed on XX/XX/XXXX. XXXX there was a purchase balance of {$2600.00} that led to the {$62.00} interest charge ( even though I had a positive payment of {$39.00} ), but on the current statement that closed on XX/XX/XXXX where total purchase made was {$540.00} ( and a positive payment difference of {$150.00} after paying {$700.00} ), I am now charged an interest of {$110.00} on an interest rate of 27.99 % APR for a new purchase balance of {$5100.00}. It is obvious this is a clear indication of either gross incompetence or a deliberate effort to create financial discrepancy to rob a consumer via interest charges. This is completely unacceptable. I am being charge interest on payments that I have covered, and now I have a balance on a purchase that was not made during a statement period. What is this about. Can someone call these people to order, this is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX & XXXX BANK HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on XX/XX/19 complaint # XXXX XXXX was filed for promotional and any other kind of offers as credit or/loans after I was OPT out back and updated back in XX/XX/XXXX. Transunion acts as I just started OPT OUT in past 2 years I update OPT OUT every 6 months. Transunion with holds who there selling the information to for profit. I OPT OUT Transunion has some very deceptive practices. I have also filed a complaint with the US Attorney office regarding the complaint On XX/XX/19 Transunion responded that I OPT out just recently in which is a lie. Stop selling and me getting credit offers threw companies I did not request or want.
Product: Credit reporting

A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXXXXXX date opened XX/XX/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 XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any consumer or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) INFORMATION regarding inquiriesExcept as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Debt collection

XX/XX/XXXX : I filed a lawsuit against XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XX/XX/XXXX : Court denied their countersuit for {$3200.00} and judgement was entered for them to pay me over XXXX XX/XX/XXXX : Email received from XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX lawyer threatening that his client would be willing to remove the debt of {$3200.00} ( which has been an ongoing thing throughout the entire legal process if I drop the money part of my suit for damages I endured to my personal property, as well as, living in a XXXX XXXX  apartment, etc. throughout my tenure at their rental property ) but will not honor court judgement in full & now he says they may possibly be willing to pay some of the judgement. They have been holding my credit profile hostage to get out of the whole ordeal & continue to do so now that they have lost their case. Everything is contingent upon If you do this then we will remove it, totally, disrespecting both the law & I.
Product: Credit reporting or other personal consumer reports

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defemation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  : XXXX a XXXX and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have received my updated credit report that Equifax said they have verified these disputed items : XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. 

Can you send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with Equifax and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against Equifax for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This letter was not drafted by any 3rd party, I am law major and I am very familiar with all my consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, This keeps on happening. I settled a charged-off account with XXXX XXXX on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my Equifax report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with XXXX XXXX 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.
Product: Mortgage

Nationstar is our mortgage company ( Loan No. XXXX ). They send information on sharing our personal information with affiliates, etc. along with opt out options as required by law. But perhaps on purpose they make the process needlessly hard. Their phone option ( calling XXXX ) does not work because this is a general number with automated options, where opting out of sharing private information is not even a choice. Resolution of problem is they should be made to make opting out easy as per the spirit of the law ( that they seem to want to undermine. ) We wish they could be penalized to discourage playing such games in future and wasting our time.
Product: Mortgage

In XXXX, we refinanced a HELOC we took out originally in XXXX. The refinance was handled by Citibank. Citibank did not satisfy the original loan of {$26000.00} therefor, there is a lien showing up against my home and I am unable to refinance my current mortgage. I have called numerous times and they tell me the only thing they can provide is the satisfaction for the refinanced loan of {$28000.00}. Citibank had to have paid off the original loan in order to open the refinanced loan.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian I have been disputing these 2 accounts reporting on my credit report that are not mines. 
Experian tells me they have verified that accounts are mine. 
I asked how did they verify that accounts are mines, they ignore my request. 
I have expressed my right to 15 U.S.C 16881G. 

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

So far, XXXX XXXX XXXX with Trustmark bank has verified that my state retirement fund is already been involved in this discount. The trust mark said I didnt have and also I have some proof of identity, including my XXXX  transcripts Ive XXXX in copies of my previous tax transcripts, I have sent copies of my birth certificate, and my ID proving that I was the owner of the account and XXXX XXXX is still requiring more information and wanting me to sign forms for which he only sent me XXXX pages of a XXXX page form and he tried to have notarize the document that he failed to send only XXXX of XXXX pages. And even though Im sending proof of my identity, XXXX XXXX says he still yet to update my account information to I can have access to my account.
Product: Credit reporting or other personal consumer reports

The collection of information on this form is authorized by one or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity theft ) ; 1028A ( aggravated identity theft ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 533 ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records ).