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

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report dated XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions and my FTC report with the number XXXX. 
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Product: Credit card

Chase is illegally reporting an account of my ex-husbands that I was an authorized user on that was charged off. I am not nor was I ever financially responsible for this as a card holder. My credit is being ruined because of their failure in correctly reporting this account.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on Autopay. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies 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 asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE 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. XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX 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 Update and delete the late payments from my consumer reports
Product: Credit card

I wanted to close my capital one card years ago because it had a low limit and I was approved for an XXXX XXXX card with a much higher limit. I called to pay my balance in full and close the account. The girl I spoke with said she processed my payment and closed the account. I never heard from them again. Years later I get a call from a collection agency. I kept hanging up because as far as I knew I did n't owe anyone a dime. Then I got a collection letter about a capital one debt ( my exact balance owed when I closed the account : XXXX dollars. ) I called capital one to pay the debt. The girl I spoke with said she saw the note indicating I requested to pay the account in full and close it. Yet somehow they never processed my payment! She transferred me to the collections rep and I immediately paid in full. This NEVER should have happened. I never got a single statement nor phone call from capital one about this. My number has n't changed in over a decade. They could have told me about THEIR mistake any time. Now I have a charge off affecting my credit because some inept representative did n't do what she said she would.
Product: Debt collection

On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...
Product: Credit reporting

Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.
Product: Student loan

Bad information about my college enrollment status. My loan servicer ( Nelnet ) has inaccurate enrollment dates listed on my account, so I can not apply for an income-driven repayment plan or PSLF forgiveness before repayment begins. I graduated on XX/XX/2023 and completed Exit Counseling as instructed ( on XX/XX/XXXX ), but my status still states that I am In School. I expect to begin repayment in XXXX and do not want bills to be back-created on a standard repayment plan that I do not want. I want to switch plans but can not do so until this has been corrected. I have spoken to multiple representatives about fixing this, from Nelnet and my former university, and have not received any proper update. I have no physical documentation as all interactions have been via phone call.
Product: Credit card or prepaid card

My card is Citi Dividend card which every quarter will have a 5 % cash back in specific purchase category promotion program. This quarter ( XXXX - XXXX ) the category is " Fitness club and Supermarket '', the original sign up page is here : ( https : //www.citi.com/credit-cards/credit-cards-citi/citi.action? ID=dividend-quarterly-offer ) and there is only one short sentence explain what is " fitness club '' : " Fitness clubs are classified as merchants that operate sports and recreation facilities requiring membership. '' I used this card to purchase 20 classes from " XXXX XXXX XXXX XXXX CA '' on XX/XX/2020 and I think my purchase is totally match the requirement of fitness category because this is a sports center requiring membership and my classes are all about fitness. However, the citi just gives me 1 % cashback and recognized my purchase as Health Care which I think is totally not reasonable, this is not a dental or eye care but fitness classes, how can they say this is about health care. I believe this is a wrong category recognization. 

I talked to Citi, they just said the category is somehow self supported by the merchants and they can do nothing and refused to give me extra 4 % cash back. I do not think this is acceptable because as a customer we do not have any ability to know which code my fitness center is using and what kind of category it is, what I know is I see your promotion program says this quarter I will get 5 % cash back if I use my Citi Dividend card to purchase fitness classes. Otherwise why I will use this card to pay for this purchase? I have some other products from other bank can give me 1.5 % ~2.25 % cash back for any general purchases, I have no reason to use a card only give me 1 % cash back, so I believe this is a false advertising and my request is to get 5 % for my this fitness purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked XXXX, Equifax, and XXXX to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! Federal law requires XXXX, XXXX, and Equifax thirty ( 30 ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to XXXX, Equifax, and XXXX starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has erroneously removed XXXX  credit cards from my credit report which was now closed and still being used. In fact, one of these cards as a small balance. Even if these accounts were in fact closed, which they are not, they would have stayed on my credit report for a least 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called XXXX .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through Transunion for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for XXXX. Phone # XXXX.Thankyou sincerally XXXX XXXX
Product: Mortgage

My mortgage company overestimated my escrow by over {$2000.00} and was aware of my totally XXXX veteran status, which reduced my property taxes by 75 % or more. I was advised by the escrow depart, via letter dated XX/XX/2022 of the overage of {$2000.00}. 

The funds have yet to be received by me, even after I have made more than four contacts with the mortgage company, since XX/XX/2022.
Product: Money transfers

On Wednesday, XXXX at approximately XXXX pm duplicate payoff wires were sent from XXXX XXXX XXXX XXXX account to payoff a Seller 's Bank of America mortgage. Payoff attached. The payoff amount sent in duplicate is {$140000.00}. Wire confirmation attached. The wire hit BOA 's account early Thursday morning of the XXXX. I called BOA payoff department and informed them of the duplicate payoff. XXXX, our bank did the same. Since approximately XXXX on XXXX, BOA stated the recall for the wire to return to the sender ( XXXX ) has been approved and sent. However, we have yet to receive the funds. We have run out of options to receive our funds back, and the only information we are getting from BOA is that is has been sent. I know if the wire has been, we surely would have received it Friday at some point. Please note, these are funds from our XXXX account, and it is imperative that we receive the funds as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries that have appeared on my credit report due to a recent data breach. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed upon request, once proven that they were unauthorized. 
Please find below a list of accounts and inquiries that were not initiated by me and should be immediately removed : Fraudulent Accounts : 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted XXXX and asked them to apply my XXXX payment to principal and to send me a payoff letter as i was refinancing car. I contacted XXXX at least 7 times by phone and 6 by email since XX/XX/XXXX. The last contact was today XXXX XXXX to date, XXXX  still has not applied the XXXX towards principal nor have they sent me a payoff letter. Instead, they continue to add more interest to the loan when this loan should have been refinanced XX/XX/XXXX. I want XXXX to fix my XXXX payment, send me payoff letter and refund all interest accrued since XX/XX/XXXX. There is no reason why it has been 13 plus days and they still have not completed my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.
Product: Debt collection

This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX  was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX  XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.
Product: Student loan

my account have been on forbearance because I was in a divorce situation and had no job and subsequently moved to where I am now.. I was challenging for me to resettle and start finding job. Sometime, I hardly able to pay my phone bill and my phone had to be off for couple of days. Most of these times, I informed Fed loan of my inability to pay my loan. 

With this thought in mind, I feel I should have no delinquent remarks on my Credit report and I am requesting kindly your intervention in resolving my credit report issue.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave XXXX, Transunion, or XXXX any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Debt collection

I got a Home Internet Kit from a XXXX XXXX  store in XX/XX/2021, but found that the signal was too weak at my home. So I returned it and canceled the service. They told me that I'll get some refund ( evidence email attached ). However, XXXX XXXX did not cancel my service successfully. They kept charging me and I didn't realize this fact until they made phone calls to me. I explained to their representative over the phone, and they told me they'll fix this mistake. After that, I didn't get any phone calls or bills until recently I found a record on my credit. Then I did the following : 1. I submitted a dispute on XXXX XXXX website. But they could not remove this record. 
2. I made a phone call to XXXX XXXX  customer service. They told me they don't have access to my account and asked me to stop by a XXXX XXXX store. 
3. I stopped by the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. People there were very rude and refused to do anything. They just asked me to make phone calls again. 
4. So I had to make a phone call to XXXX XXXX customer service in the XXXX XXXX store. This time I insisted to transfer my call to a manager. The manager explained to me that my account has been deleted. She gave a phone number to the debt collector agency ( Frontline Asset Strategies ). She also promised me to call that agency on XX/XX/XXXX ( I'm not sure if she did that ). She asked me to leave her my phone number. But so far I have not been called. 
XXXX. I made a phone call to Frontline Asset Strategies. They refused to fix that mistake even they could not explain what is included in that {$110.00} bill. Their explanation was " one-month bill plus interest '' ( phone call recording starts from XXXX, see here : https : XXXXXXXX XXXX  ). I have to upload the recording like this because it's larger than 10 MB and I can't uploaded it to " attach documents ''. However, one-month cost is like {$55.00} only. I don't know what kind of interest rate could be that high. They also confirmed that they failed to send the bill to my correct address. So the fact is that XXXX XXXX  mistakenly charged me for two more months. They forwarded my information to the debt collector. They can't fix the record because they have deleted my account. I don't know what else I can do. 
XXXX. After all these frustrating experience, I'm making this complaint on CFPB. I have attached the refund email from XXXX XXXX and the phone call recording with the debt collector as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2020-as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Vehicle loan or lease

I've been waiting for a refund for an overpayment made to Toyota Financial Services ( TFS ). They provided evidence that the check was cashed but will not tell me where the check was cashed. The back of the check is endorsed with my name and XXXX XXXX XXXX XXXX. Is suspect a fraudulent signature. While the signature appears similar to mine but appears to be off a bit. XXXX XXXX has no evidence that the check was cashed into any of my accounts. I have no memory of depositing this check and TFS will not tell me where the check was cashed. 

TFS tells me I need to have my bank send a Merchant Report to them but how can they send a Merchant Report to them if they never received a check. TFS is passing me off to XXXX XXXX and XXXX XXXX is passing me back to TFS. I'm in an endless loop. 

Attached is all the recent correspondence I've had with TFS. I have talked with XXXX XXXX on the phone and they tell me that TFS has to investigate this. 

If you are not the right agency to assist me, please let me know who I can contact?