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

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 my 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 those 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 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! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!
Product: Vehicle loan or lease

I have had capital one auto finance since XX/XX/XXXX as an auto loan holder recently I have became ill and cause me to miss a few payments due to being on XXXX however I have made several attempts to resolve this issue with company making partial payments in good faith as my XXXX  XXXX payments have not kicked in to cover my leave from work. I then went forward made a payment plan that myself and the company have agreed that 3 payments of {$620.00} will be charged to cover my account and bring it back current drafting from my account on XX/XX/XXXX which i see posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which since the company has broken our agreement and maliciously charged my account off after taking my first payment XX/XX/XXXX I have cancelled my auto payments ). I  noticed the change when on XX/XX/XXXX I went into the account to make an extra payment in good faith effort to the company and wasn't able to because my account information vanished only allowing me to see current payments and those that are scheduled. I called and spoke to a rep who couldn't give me information and then I asked to speak to a supervising team since my consumer rights have been broken XXXX rep ID # XXXX who then tried to inform me that the contract was not valid because they didn't charge my account XX/XX/XXXX for {$360.00} which the rep told me at the time of signing the agreement these payments will come out and apply however if they didn't get that payment then the entire contract should have been cancelled meaning they illegally now have take {$620.00} out of my account on XX/XX/XXXX. If the company rep has failed to take the payment as we agreed when setting up the agreements all contracts should have been null and void and none of the payments should have went through after. The company also failed to provide me notice of a resolution before charging my account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get false inquiries and debts that I did not approve off
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, there has been a hard inquiry pulled in my name for XXXX  XXXX XXXX XXXX that has no authorization by me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$450.00}
Product: Debt collection

WELLSFARGO XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX And they call EVERYDAY as if my phone was bugged, typically after I have a phone call where I am speaking about money. That's just for this week, it's like this every week. I no longer have an account with them and they are holding my stimulus check and refuse to return it to the IRS.
Product: Debt collection

On XX/XX/2020, Firstsource Advantage LLC called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NM XXXX Experian Dispute Division po box XXXX XXXX, TX XXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX XXXX. XXXX XXXX # XXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within 30 days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. Three examples include : XXXX. XXXX  v. Experian Information Solutions , Inc . 

Outcome : Plaintiff awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : 1. Immediately delete the fraudulent accounts and inquiries listed above.

2. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Mortgage

My loan at XXXX is in the process of being transferred to Loancare, LLC/XXXX  According to XXXX, the effective date of transfer is XX/XX/XXXX According to Loancare, the effective date of transfer is XX/XX/XXXX. 
I have already made my XX/XX/XXXX and XX/XX/XXXX loan payments to XXXX as of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX respectively along with additional {$600.00} principal amount for each of those two payments. 
Loancare has been making daily phone calls to me including on weekends asking me to call back and when I do they say I am late on my XXXX payment. 
These calls are now turning into a daily harassment with no way for me to turn them off. 
I have requested XXXX already to expedite the transfer of my payments : however since they appear to disagree on the transfer date of the loan XXXX XXXX XXXX XXXX versus XXXX XX/XX/XXXX seen by Loancare ), they are not in a position to help out either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

My student loans were transferred to Mohela when XXXX XXXX ended their contract with the government in XX/XX/XXXX. My problems with Mohela started in XXXX when payments were supposed to resume. I applied for the SAVE repayment plan in XX/XX/XXXX, and the US Dept of Education said I qualified for the SAVE plan for all my loans. Mohela placed me in an administrative forbearance for XXXX  months ( XX/XX/XXXX - XX/XX/XXXX ) and continued to charge me interest. In fact, they charged me a higher interest rate than they should have. In XXXX, I applied for, and they approved, my auto debit application, but they did not apply the .25 % discount on the interest rate because my loans were still in administrative forbearance. When I called Mohela to ask about why I was still in forbearance, I waited for an hour to talk to a customer service representative, and she seemed helpful. She said she was sending my case to a specialist, and they would be in touch with me to figure out why my SAVE application and recalculation of my payment was still pending. I never heard from anyone. 

In XX/XX/XXXX, they managed to put me on the SAVE plan, for XXXX of my XXXX loans. That month, they auto-debited my payment for those XXXX loans, and finally the auto-debit discount kicked in. 

For the other XXXX loans, in XX/XX/XXXX, they put them on a standard repayment plan, even though, according to the US Dept of Education, I qualify for the SAVE plan. When I called Mohela to find out why these XXXX loans were not on the SAVE plan, I waited on hold for an hour. Not only that, the customer service rep comes back on every XXXX minutes to make sure I want to stay on hold. It is torture. She couldn't actually do anything, but is hired by this company to ask me every XXXX minutes whether I want to stay on hold to talk to a mythical someone who could actually help me. It's XXXX. I gave up. 

In addition to getting nowhere with telephone customer service, the messaging system within their website is worthless. I have sent multiple messages about my issues, and each time about a month after I send the message, I get a " we have received your message '' message. Never a solution or answer, only acknowledgement of receival.

I have made multiple complaints to the US Dept of Education about all of this. Their response is always " we've forwarded your complaint to your loan servicer and they will handle it. '' No one handles anything. No one is clear about information or the process.

Most recently, I asked the US Dept of Education how and when the interest subsidy for the SAVE program will be applied. For the SAVE plan, any interest not covered by your monthly payment is supposed to be covered by the government. I have not received any subsidy. The US Dept of Education 's response? Mohela will handle it. Mohela hasn't handled it.
Product: Credit card or prepaid card

Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.
Product: Checking or savings account

I'm trying to obtain a debit card for my child and unable to link my account to the actual debit card so that she has access to funds. I was provided and directed to this link to file a complaint in the matter.
Product: Mortgage

XXXX XXXX transferred my loan to Nationstar Mortgage and only gave me 2 days notice from the next payment due date.,
Product: Credit reporting or other personal consumer reports

I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my report.
Product: Mortgage

XX/XX/XXXX I took a mortgage with XXXX XXXX who had LoanCare processing the payments. Then, XXXX 's XXXX sold my mortgage to LoanCare. I have had nothing but problems with LoanCare. They have never been able to process my payments in a timely fashion. Or, they misplace my payments or my payment just happens to be sitting on someone 's desk. When they do process my payment on time.They always are calling on the XXXX of the month to tell me I am late. They never post the payments on my statements when they finally do process the payments on time. For example ; I had my XXXX XXXX payment posted on XXXX XXXX per what the phone stated and when the check went through my checking account. But, on my statement on XXXX XXXX, XXXX it does n't show that I paid. The due date states XXXX XXXX, XXXX and it is even double the amount. Every time I call they take forever to answer and when do the people are rude, they hang up on you, and do n't have a clue on what they are talking about. They tell me I need to send my payment to another address. This has been has been the issue every single month that I have paid my mortgage. They are also using several different names other then LoanCare. I think that someone needs to go in and shut them down our show how to process payments. Their staff is horrible. I will be actively looking for a new place to pay my mortgage. I truly believe this company if frauding the system and keeps switching names so you guys do n't go after them. I was just on the hold for over a hour and still know on answered. I had to call back. They are telling me my payment is late even when I mailed it on XXXX XXXX, XXXX and they have n't received it yet. My credit is being ruined by them. Please shut this company down!
Product: Credit card or prepaid card

I closed down my Capital One credit card but they failed to tell me that interest would accrue. After I closed down my account I checked my credit report and saw I was being reported late for the last 6 months. They told me it was closed, they never told me about 'daily interest ', therefore it kept reporting as a late payment. I should not be held liable for these delinquencies and these derogatory remarks should be removed off of my credit report immediately.
Product: Debt collection

Hunt and Henrique summoned me for a credit card debt and never sent me a demand letter and just sued me without notification. I sent them a letter requesting documentations of proof of this debt. Hunt and Henrique has violated the Fair Debt Collections Practice Act. Their employee XXXX XXXX called me at XXXX and left a voicemail which I strictly stated in my last letter to cease all communications and collection activities until this account has been validated per CFR 1006.34 ( c ), FDCPA & 809. Per the Fair Debt Collections Practice Act they now owe me money.
Product: Credit card

My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my card.