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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account 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 Never Sent the periodic statement along with the disclosures from section XXXX637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The Privacy Act of 1974 prohibits the federal government from disclosing any personally identifiable information about me without my consent. My transaction history is clearly personally identifiable information. It includes my name, address, phone number, and the dates and amounts of my purchases. 

The CCPA gives me the right to request that businesses delete my personal information. My transaction history is clearly my personal information. It is also information that I have not given my consent to be shared. 

The GLBA prohibits financial institutions from sharing nonpublic personal information with third parties without my consent. My transaction history is clearly nonpublic personal information. It is also information that I have not given my consent to be shared.

The FCRA gives me the right to dispute inaccurate information on my credit report. My transaction history is not accurate. It includes purchases that I did not make.

15 USC 1681 prohibits consumer reporting agencies from reporting information that is not accurate, timely, or relevant to a consumer 's creditworthiness. My transaction history is not accurate, timely, or relevant to my creditworthiness.

16 CFR 433.1, 433.2 and 433.3 require consumer reporting agencies to follow specific procedures when investigating and responding to consumer complaints. I have already submitted a complaint to each of the three major credit bureaus, but I have not received a satisfactory response. 

I respectfully request that you remove my transaction history from my consumer report immediately. If you do not comply with my request.
Product: Student loan

I had Navient as servicer for my Federal student loan for years, i was and am having issues making the payments. I was advised to go into a forbearance as many times as i needed to but i was never told by them that it would continue to gain interest tripling the loan amount i started with. this has caused an even more financial hardship on me and my family. Navient never contacted me once they were sued about getting it forgiven. i want contacted by them i was also told by them that my loan wouldnt naturally expire which was also a lie according to my current servicer XXXX.
Product: Credit card or prepaid card

I applied for a XXXX card thru Barclays because they had a XXXX mile promotion. I applied in XX/XX/XXXX should have had points in XX/XX/XXXX. I been calling them and the last customer service representative said I am probably not getting the XXXX points there is nothing on my account. 
They are ripping me off I am a XXXX Veteran and do like to be taken advantage off. 
The criteria was if you spend XXXX dollars in 90 days you will receive the promotion. I spent over XXXX in first month. 
I have called XXXX and put in for a investigation. I had to pay for my tickets with cash because they have ripped me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : DISCOVERBANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on XXXX  and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXX,, ( 6 ) XXXX XXXX XXXX
Product: Credit card

My American Express card went to collections due to a divorce. It was charged off in XXXX of XXXX. On my credit report, American Express is reporting that it was charged off in XXXX of XXXX. This date is incorrect. XXXX of XXXX is when the account was paid off in a settlement, not charged off. I have called them multiple times, tried chatting with them online, spoke to multiple departments and filed a dispute through XXXX. They are not updating to the correct information. In addition, after my dispute they also added a charge off for the month of XXXX of XXXX on my credit report when the account previously had " no data ''. 

To be clear, the charge off occurred in XXXX of XXXX. The account was paid in a settlement in XXXX of XXXX. 

American Express will not provide me a letter confirming the date that my charge off was in XXXX of XXXX. When I talk to them every single person I spoke with confirmed the charge off date was XXXX of XXXX but it is still reported as XX/XX/XXXX on my credit report. I have said it backwards and forwards to their people but they don't listen, talk over me and are not fixing it.
Product: Vehicle loan or lease

Ccm finance say I have a XXXX $ loan out and that I have that amount is incorrect
Product: Debt collection

I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. 
Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. 
Then on XX/XX/2018 I sent a cease & desist letter. 
XX/XX/2018 they contacted my sister in law & my biological sister about my debt. 
The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. 
I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. 
The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. 
Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.
Product: Credit reporting or other personal consumer reports

I urge the responsible authorities to take immediate and appropriate actions to investigate and rectify this situation to ensure that reported data is accepted by receiving repositories with maximum possible accuracy and completion. Failure to do so will result in severe consequences.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX Balance Owed : {$250.00} & XXXX XXXXXXXX Balance Owed : {$340.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Mortgage

I applied for a home equity loan with Sofi, made it all the way through the process, next step was for final XXXX review and to schedule the closing when I was notified that they had my SSN wrong from the start of my application and I no longer qualified. I spoke with an XXXX about specific accounts that were listed on my credit report. I was also notified that they had my husband 's DOB incorrect, which is alarming because they used his DOB to verify his identity during a phone call. Sofi told me that I had put my SSN wrong on the initial application and that it wasn't discovered until a final audit. But how were they able to discuss credit report specifics with me. This error impacted me financially and emotionally. I also am suspicious of their identification process, if they incorrectly had my husband 's DOB and used the information he provided to verify him, how were they able to continue the conversation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX Reported : XX/XX/2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Debt collection

Multiple areas in violation. XXXX. They contacted persons not associated with this account. XXXX. They never sent written notice to me. XXXX. They continued to call my work cell phone after I requested they cease this in writing. XXXX. Threatening repossession without acting. XXXX. First contact was via phone and I was degraded and called a liar, this is one reason why I requested all future contact be only via email. Other reason was tying up my cell phone for them potentially costs me thousands of dollars lost in revenue for my business! They have stated false information about my account so far to my knowledge. I am waiting on the account details from them as they are claiming it is a business loan so that entitles them to contact me even after requesting to stop. The loan was personal in only my name to my knowledge and what I signed. I have emails and voicemails to confirm my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with XXXX showing as open and Equifax showing as closed and XXXX not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.
Product: Checking or savings account

I use ( used ) my Venmo account to have a weekly payroll check direct deposited. On XX/XX/year> the deposit amount was {$1100.00} at XXXX XXXX  Central time. Between XXXX XXXX  and XXXX XXXX  there were XXXX different transactions made through my account fraudulently and came to the amount of {$1000.00}. 
When I logged in to check to see if the deposite was made and for how much, my account had XXXX dollars and some change. There were debits in the amounts of : XXXX {$21.00} XXXX {$51.00} XXXX {$50.00} XXXX {$20.00} XXXX {$11.00} XXXX {$30.00} XXXX {$16.00}. The first of many calls to Venmo customer Service I canceled my card and filed a despute for each of the fraudulent charges. Venmo approved XXXX of the XXXX charges for a refund and denied the other XXXX. Venmo said they would do a " full investigation " and that it could take up to 10 business days. When I called the 2nd time because of confusion as to why some desputes were approved for a refund and the others denied ; even though they were all made by XXXX*, we filed an appeal for the denied transactions. After a week or so those that we appealed were denied again and the case was closed for the remaining transactions. They told me that since I logged in right before the deposite hit and then not long after that it seemed suspicious and that only the account owner ( me ) would've known the time when to orchestrate the transactions and that's why they were denied. No investigation was done as far as im aware because they accused me of hacking into my own account and stealing money from myself and an investigation wouldve shown it was from a company that i am not, nor have ever been associated with. This is absurd not to mention insulting!! I have over XXXX emails in correspondence to this matter, XXXX different people are " takeing it from here '' but nobody has refunded the rest of my money and now my emails are just being ignored. 
{$1000.00} was stolen, {$400.00} has been refunded and that leaves {$670.00} left owed back to me. 
I also made several attempts to XXXX* in regards to getting this resolved but haven't had any luck in doing so.
Product: Debt collection

Representative from credit agency utilizing phone number # XXXX was very rude and harassed me on XXXX XXXX at around XXXX while I was at work. 
Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised " he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a " debit card or check now '' advised I was at work and unable to provide that information, he then stated " you do n't have a debit card on you?? you need to walk to your car and get to secure this payment ''. After again advising I was at work and unable to do so he said when can I call you back today. I advised at around XXXX, he then stated " so you have to promise to answer your phone at that time '' If you do not legal action may occur. I then stated if I see the phone ring I will answer the call, he stated " no, you need to promise to answer the phone ''. I remarked I 'm unable to make that promise. At which point rep proceeded to get nastier stating why ca n't I pay this debt. I hung up when he would not stop with the harassment. Since then the number has called twice and I have not answered, no message was left. 

I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.
Product: Debt collection

COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.
Product: Credit reporting or other personal consumer reports

XXXX notified me, that I had very good approval odd for a XXXX XXXX XXXX card, so I applied, and was denied. According to XXXX XXXX, they pulled from Equifax credit bureau. XXXX, XXXX XXXX is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within 1 year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST XXXX YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. XXXX XXXX gerrymandered my application already.
Product: Debt collection

XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX  investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.
Product: Credit reporting or other personal consumer reports

I have an account with the merchant : Credit Fresh. Their website is www.creditfresh.com and the credit line is issued by XXXX XXXX I have been making on time payments with the company since XX/XX/XXXX. In XXXX of XXXX, I called Credit Fresh to restructure my payment plan to something more affordable and they obliged. I made the payments on my new plan with XXXX not missing any payments. I am attaching documents from my bank to show this. Then the company decided to document my account as 30 days late in XX/XX/XXXX in spite of the fact that I made all payments on time according to my plan. I disputed this with the credit bureau XXXX XXXX. In the XXXX XXXX report dated XX/XX/XXXX the company Credit Fresh acknowledged my dispute and stated on my XXXX XXXX report : INVESTIGATION RESULTS-DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 

The above statement indicates that the company Credit Fresh acknowledged that my dispute was accurate. However, XXXX XXXX DID NOT change my credit report and they are still showing a 30 day late payment in XX/XX/XXXX. XXXX XXXX needs to delete the 30 day late payment that they are showing in XXXX of XXXX due to company acknowledging that my dispute is accurate. I am uploading all documents as evidence.
Product: Credit reporting

just checked my credit score an found an address that is not mine listed as my new address. on both credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The day after XXXX XXXX, I was told by Amerisave loan officer, XXXX XXXX, that they needed my credit card information to " lock my mortgage rate ''. He stated the amount that would be on hold would be {$440.00} for the appraisal. On XXXX I gave verbal instructions to XXXX over the phone that I did not want an appraisal ordered until after I did my personal inspection and negotiated some repairs with the seller. XXXX confirmed by emailing my agent on XXXX and notifying her that I wanted to hold off on the appraisal. I again reiterated my request to XXXX by email on XXXX. 
On XXXX XXXX, I received an email that I had been charged for the appraisal. XXXX told me that the realty agent told him to order the appraisal. I immediately disputed this as Amerisave was the custodian of my credit card information and I gave them clear instructions not to order an appraisal until I personally inspected the property. Amerisave acts as a middle man as the agent must order the appraisal from the appraisal mgmt company. No matter what they were told by a realty agent, my word as the borrower takes precedence, and Amerisave made a poor decision in overriding the borrower 's request by taking direction from a sales agent whose interest is to sell. Amerisave had no right to release my credit card information to the appraisal company at the direction of the realty agent which was against my specific direction. 
After some research online I have come across troubling complaints from other mortgage customers stating that it is a scam that Amerisave is conducting - they promise to " hold '' the credit card and then release that credit card information to their affiliate, XXXX Appraisal. I unfortunately did not come across this research prior to applying for a mortgage with them. 
It should also be noted that the CFPB ordered Amerisave to pay nearly {$20.00} XXXX in XXXX for " bait and switch '' practices related to their charges for appraisals and their affiliate XXXX Appraisal.