23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX     2017, we paid o ur HELOC balance in full.   Prior to payment we  called    XXXX   XXXX   to let them know we were paying off the full balance on     XXX/X/2017  .
We asked if there would be any problems if we did not make a   XX/XX/2017  payment,  as full pay-off would be made 72 hours l  ater.   We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' paymen t on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay  -off seven days earlier, it was unfair of   XXXX   XXXX   too harm our credit with a late report.
The Credit Rating companies -  XXXX    XXXX  and  Experian- h a ve wrongly reported this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JPMorgan Chase & Co. concerning an unjust foreign transaction fee of {$39.00} that was charged to my account. I believe this fee was improperly assessed, and I am seeking your assistance in having it removed or waived. 

On XX/XX/24, I made an online purchase through what I believed to be a domestic website. At no point during the transaction was it made clear to me that this purchase would be processed as a foreign transaction. There was no transparent indication on the merchants website, nor was there any alert or notice from Chase to inform me of the impending foreign transaction fee. 

As a consumer, I rely on the clarity and transparency of financial institutions to understand the costs associated with my transactions. The lack of transparency in this instance has caused me undue financial burden, which I believe could have been avoided had there been proper disclosure from either the merchant or Chase. 

I have already reached out to Chase customer service to request a waiver of this fee as a one-time courtesy, considering the circumstances. Unfortunately, my request was denied. Given that I was not made aware of the potential foreign transaction fee at the time of purchase, I feel it is only fair that this charge be removed or refunded. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and help facilitate the removal of this fee or its waiver as a one-time courtesy by Chase. I believe this action would be in line with principles of fair treatment and transparency in financial transactions. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have noticed that there is a very large amount of inaccurate information, That I am writing to dispute. I have filed identity theft reports with law enforcement, and this letter is to address Experian directly in order for them to make changes and restore my credit back to an exceptional credit score. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the bias of material misrepresentation. 

I first would like to note that I have never authorized Experian to have possession of my social security number. The Experian LLC has never received any authorization from me to have access to my private social security number. The only individuals legally authorized to have my social security number are myself, the Social Security Administration and the individuals I shared it with. Anyone who has bought, sold, or trafficked my private information is guilty of identity theft and fraud. 

In XXXX an LLC asked me for my social security number in order to do a credit check. They did not inform me that they were going to traffic my social security number to another LLC that was going to monitor me for the rest of my life. Posing as some sort of government bureau playing a game of hide-and-seek according to their bylaws on how they think credit should work. Experian never sent me notification, a contract, or instructions until XXXX. ( 17 years later ) Therefore this is unfair business practice and should be restored to exceptional XXXX XXXX. 40 % of their credit process, it's doing business with other LLC 's that approve of and authorize this sort of behavior. Of trafficking, selling and bidding for social security account numbers. Which is totally unacceptable. 

This letter is in reference to my account activity and how it should look before full reimbursement and restoration of credits. The other unidentified transactions are not information related to any transactions made by me as a consumer. You are required to do what I am asking, which is block and delete these transactions from being reported to My Consumer Report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have high credit scores, however Suntrust now known as Truist has denied a line of credit several times in the past. I have several accounts with this company. I applied for personal loan an was denied.I have waited for the official letter as for the reason denying the loan but never received it. I applied for a personal loan at two other companies and was accepted with no problem. This company appears to be having or showing a dislike or distrust and making or showing an unfair or biased decisions based on an what appears as discriminatory profiling. There is no reason I should ever be denied a line of credit from this company as i have banked with it for at least ten years. I have had issues with this company with apply a simple temporary credit to the me and forwards the dispute and notifies the merchant. The CFPB accepts cleverly or skillfully evasive responses from this company ; that it does not know who I am but will respond to me directly. Truist should be held accountable and made to respond to the CFPB and the CFPB should compel Truist to follow the regulations.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX due to it not being mine. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. Experian violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.
Product: Debt collection

This company is harassing me and extorting in the name of Toyota company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me
Product: Credit reporting or other personal consumer reports

Hired White and Jacobs - Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX to help with credit repair. They required payment upfront, which at the time I did not know was illegal. Paid them additional monthly payments. They were not able to assist in any capacity, were incredibly rude and difficult to work with, made promises they could not keep. I requested a refund and was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  XXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX XXXX XXXX {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXX XXXX ( inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this XXXX XXXX Purchase Alert today : XXXX $ XXXX Wed, XX/XX/2022 I discovered I am being charged {$24.00} by Experian for services I was not aware I had signed up for. I did create an account at Experian years ago when I signed up for their free credit reports. At no time did I receive a billing alert or copy of a purchase receipt or contract informing me that I had signed up for a paid membership and would be charged this amount on a monthly basis. This is the first and only month that I am being charged. 

I have contacted Experian to request a refund and downgraded my membership back to " free. ' I noticed online that XXXX has already been involved in FTC filings and had to pay fines previously. I am afraid many consumers could find themselves being charged without being aware of this 'membership ' participation. 

Thank you for any help in shutting down this practice at Experian.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX creditor XXXX XXXX XXXX. XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly 100 points. I called The Money Source ( TMS ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. TMS rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending SBA loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the TMS staff. This is not the first time that TMS has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the COVID-10 Cares Act forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called TMS and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from TMS rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a COVID-19 forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called TMS that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through COVID-19 and all its physical, emotional, and financial traumas, along with TMS bungling mistakes that TMS obviously does not take seriously enough to make sure they read our files before making decisions. The Cares Act forbearance plan is to help deal with COVID-19 ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our SBA loan to be denied, we will have no other choice than to take legal action against TMS.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XXXX I requested proof of the multiple attempts made by your company to notify me of the options to rectity my loan, which was in forbearance. I have not been presented with any options since XXXX and have not received any communication regarding the end of forbearance as an option for my loan. Please provide me with copies of the email requests and any other proof of attempts made to notify me that forbearance was no longer an option for my loan. I would like to understand the steps that were taken to inform me of this change and explore any possible solutions that may be available to me. 
This situation has been causing me a great deal of stress and frustration. I have been diligently managing my finances and responsibilities, yet XXXX 's inaccurate reporting is hindering my ability to move forward. I have tried to resolve this issue with the company multiple times, providing evidence of the forbearance status of my loans, but to no avail. 

The impact of XXXX 's actions on my credit score and financial standing can not be overstated. It is unfair that I am being penalized for their error, especially when I have taken all necessary steps to rectify the situation. I am left feeling powerless and unsure of how to proceed. 

I am seeking assistance and guidance on how to address this matter with XXXX and potentially escalate it further if needed. It is crucial that this issue is resolved promptly to prevent further damage to my credit and financial well-being.