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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 DT credit XX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXX XXXX credit, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DT credit yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Got this letter XX/XX/XXXX SO how could date open be XX/XX/XXXX, OK ( 1 ) that's the first MISTAKE XXXX and Experian so what to admit this is a mistake, ( 2 ) Looking at document Annual Percentage Rate ( The cost of your yearly credit ) o, ( 3 ) Finance Charge 0, ( 4 ) Amount Finance {$380.00} and yet the credit report states {$340.00} then it states a payment was made of {$25.00} ( I have never made a payment as I was paid with direct deposit XXXX and that check was taken to cover the Balance. ) BUT let me stay on base, Then the high credit was {$380.00} BUT they state I was never LATE/ Written OFF XX/XX/XXXX. Then they state pass due NOW in XX/XX/XXXX {$1900.00}. Ok once I open and did a dispute an that got mad and added all the different amounts, That's no LEGAL they have to report nothing BUT the truth and XXXX XXXX XXXX XXXX have failed to do so, AND furthermore they lie and have been as when an investigation is open they provide FALSE information to the Credit companies knowing they haven't proved or can provide any corrected information. SO what are you going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I will have sent my now third letter to this company without the instructed results. The information on my credit report is inaccurate and in-accordance with the FCRA everything on a consumer report must be accurate. Because of theses inaccuracies in has restricted me from obtain new credit and establishing new relationships which have has caused me stress and innocence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan with Ally Financial ending account # XXXX was paid in full on XX/XX/2021 through a trade-in. On XX/XX/2021 I received email confirmation that the title was mailed to the Dealer that the vehicle was traded in at. 

On XX/XX/2021, Ally Financial erroneously reported the account 30 days delinquent. 

On XX/XX/2021 I called Ally to report this error and ask that they fix this reporting. As of XX/XX/2021, this is still being reported as a delinquent account on my credit report. 

This in turn has caused me to be declined credit that I applied for.
Product: Student loan

Hello, I applied for XXXX through Fed Loan Servicing on XX/XX/2020. At that time, it showed I made XXXX qualifying payments for both of my loans. It is now showing that I have made XXXX qualifying payments for only one of my loans, the other is now showing XXXX ( XXXX if I certify my XXXX ). I received a letter from Fed Loan Servicing back in XX/XX/2020 for a XX/XX/2020 review that showed both of my loans at XXXX  qualifying payments. I was advised by them to wait until XX/XX/2020 to submit my XXXX review and that it could take up to XXXX  days. It is now past XXXX days, I get the run around on the phone every time I call and a different answer each time. I'm concerned about two things : my XXXX  loan not showing the correct XXXX qualifying payments and why this is taking so long. I know people who have requested XXXX after me and have had their loans forgiven. 

Can you please help me? Please let me know if you need any additional information. 

Thank you, XXXX XXXX
Product: Debt collection

Hello! my social security number was used to apply for any used for your company WITHOUT my permission & its causing hard inquiring on my credit report. I feel that it doesnt belong there if I didnt apply to these companies.
Product: Debt collection

I received an alert on XXXX XXXX that I had a collection account on my XXXX, XXXX, and XXXX credit report. The company is called OAC and the amount is {$170.00}. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Citimortgage in advance about modification, I knew I was going to have XXXX  XXXX & be on XXXX I specifically put off XXXX for possible modification. I was not late or behind any payments, I was just wanting payment lowered during my XXXX. In XX/XX/2018 ( loan still current ) I spoke with XXXX XXXX Citimortgage who informed me I was approved for trial period of 3months. She advised me to " check with credit bureaus to see how this will impact your credit score '' before I decided to go through modification. My FICO was approx XXXX. I contacted all credit bureaus who informed me they had no control of that & could not tell me how that would affect my credit. I was very thorough in why I was asking & how my mortgage company instructed me to do so. I followed up with Ms.XXXX  informed her of what ALL 3 credit bureaus said, was clear that i was not late, and if i could make my regular payment during the trial period ( XXXX, XXXX, XXXX ) to avoid any negative reporting. She assured me if I made payments on time as scheduled that would not be a problem. I would never have agreed to such damage to my credit score for 3months of savings. I firmly believe not only did Citimortgage failed due diligence as did credit bureaus. I was specific as to how important my credit score was. In addition to " only three months trial period '' Citimortgage sold my loan to XXXX effective XX/XX/2018. XXXX has also been reporting me as late adversely affecting my credit. I did everything I was suppose to do, my lender failed to give me all correct or clarify information given as did credit bureaus. XXXX has continued to show my account delinquent inspite of all communication I've had since XX/XX/2018. I pray for your assistance in this matter, I truly feel mislead & misinformed by both there is nothing more in could have done but call repeatedly asking for information making it clear that my primary concern was protecting my credit, hence my original contact with Citi regarding my anticipated financial situation far in advance to the point of neglecting my health to make sure all was resolved before I proceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail AMEX XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on me
Product: Credit card

Over the past year, I have been a victim of identity theft and fraud. I have had XXXX major credit cards affected as well as XXXX of my checking account. The complaint I would like to make is in regards to my American Express XXXX XXXX XXXX XXXX. 
My credit limit with the credit card was {$8500.00}. There were fraudulent transactions occurring on my account for XXXX year with several recurring payments from September 2023-September 2024. American Express did not catch these fraudulent charges, and I unfortunately accrued a balance of close to {$6500.00}. Had Amex have had a better fraudulent detection on my account, I would have received the assistance to report them sooner. Nonetheless, XXXX XXXX  of this year I reported all of the fraudulent charges. Amex was able to remove all of the charges on my account, but in addition, they reduced my credit limit to {$1000.00}. This has affected my XXXX XXXX thoroughly, and I wish that they did not do this. I explained to them my thanks for removing the fraudulent charges and I disputed the credit limit decrease. They denied my credit limit dispute but could not seem to provide me with a good explanation to why. When talking with several customer service representatives about this, they just said it was due to the high number of transactions on my account and my XXXX score. I explained to them that the high number of transactions were due to the fraudulent transactions on my account and that I should not be penalized for this. In addition, my XXXX score was affected throughout the year the fraudulent charges occurred, by since XX/XX/scrub>XXXX XXXX  I have since recovered my XXXX score from " poor '' to " good '' since the identity theft and fraudulent claims have been resolving. I explained that the decrease in my credit limit was also going to worsen the progress I have made. I kept being told by customer service to " just wait 30 days and request a new credit limit increase '' but no one seemed to understand that I was unfairly penalized by having the credit limit lowered in the first place. 
It seems like Amex is not doing a consistent, thorough, and holistic review of this situation. 
It is also extremely strange that Amex decided to lower my credit limit AFTER I reported fraudulent transactions and not DURING the period the fraudulent transactions were being done on my account. This is likely because of the poor fraud detection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted National Credit Adjusters since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to XXXX informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called RentDebt, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. RentDebt was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. XXXX failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. XXXX did not indicate what steps it took to verify accuracy or fairness nor did XXXX provide me with any documentation from either RentDebt or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and RentDebt are fraudulently attempting to collect a debt not owed. XXXX is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit ( XXXX, Experian, XXXX ) inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate
Product: Credit card or prepaid card

Made a {$450.00} payment to Capital One with my debit card. The funds were taken out immediately but never applied as credit. I called in to ask what was going on but the only answer I get is the system put a 26 day hold on my account and there is NO one available who can tell me why. Ive made frequent payments on from the same debit card with no issue. I believe I am being punished for taking advantage of their cash back rewards. 
I made a large payment so that. I could continue to pay bills with this account, because of the hold, I now have to figure out how to come up with XXXX to pay bills before they get shut off and face more fees, the only option that was given to me by the company was to call my bank and stop payment on a charge that I legitimately made and I would rather not.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX 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 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 or 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: Debt collection

Comenity Capital Bank applied a {$1900.00} promotional finance adjustment. The regular payment schedule set by Comenity was not sufficient to pay the account in full within the 24 month promotional period as I intended. 

In XX/XX/XXXX, I purchased my hearing aides from XXXX XXXX XXXX for {$5900.00}. XXXX XXXX XXXX offered exclusive no interest promotional financing through Comenity Capital Bank. I accepted the offer & agreed to pay the full amount with 24 equal automatic payments. There was confusion with Comenity at the start of the contract period because the automated payment schedule was not set up. The Comenity representative calculated & proposed a payment schedule. The amount was Ultimately automated payments began XX/XX/XXXX. An attachment lists all payments made to Comenity. 

Only recently after receiving a payment due notice XX/XX/XXXX from Comenity Bank did I realize a problem existed with my account. I only understood the issue after the fact & after contacting both XXXX XXXX XXXX & Comenity Bank. The regular monthly payment was not sufficient and left the balance of {$650.00} at the end of the 24 month promotion. As a result, Comenity assessed over {$2000.00} in finance & late charges in XXXX which I only saw after the XX/XX/XXXX Comenity late-payment notice. 

I paid each monthly payment via ACH & accepted paperless statements for economy and convenience. The impending balance on the promotional account went unnoticed by me. As soon as I noticed an outstanding balance and researched the circumstances, I paid Comenity Bank the XX/XX/XXXX {$650.00} balance. I appealed the additional charges with Comenity Bank. Comenity Bank senior representative XXXX politely repeatedly cited the contract terms but denied my request to dismiss the additional finance charges. Comenity has not responded to my secure email request for an appeal. 

I contacted XXXX XXXX XXXX again, appealing for assistance to clear the dispute. XXXX XXXXXXXX XXXX VP of Sales responded that the bank is obligated to split the sum of the entire purchase into 24 equal payments and not reduce the payment amount in any way to deceive you and cause you to default and incur interest. Since Comenity calculates the monthly payments, " privacy policies prohibit me from discussing your account with your bank ''. 

The harsh penalty is unacceptable to me.
Product: Credit card

In XX/XX/2014, I paid off some debt, including credit cards financed by Synchrony Bank ( who bought out GE Capital ). After paying off the total balances of several accounts, Synchrony took it upon themselves to close several accounts. Accounts still open had credit limits reduced to the total amount due. All of this was done without prior notice. As a result, my credit took a major reduction in score. I felt penalized for paying off debt.
Product: Money transfers

I sent in money for a money transfer and got the reference order # and went to XXXX different Walmart locations to receive but both tellers were acting very strange and said i could n't receive the money order. They did n't explain why and frustrated me in front of the other customers. They did n't apologize and both left me hanging. Now I ca n't track the order it says the order does n't even exist but I have all receipts and the order information itself still for proof.
Product: Credit card

In early XXXX of XXXX, I noticed several fraudulent transactions on my business credit card from XXXX, and reported them promptly to the Bank Of America XXXX department. Since my initial report, there were several other fraudulent transactions posted to the account within a matter of days, also from XXXX, which I promptly informed them about as well. The total transaction amount was about {$12000.00}. 

Since then, they have been investigating the claim, and in XXXX of XXXX, they had concluded their investigation. I was not aware of this fact, since I never received the letter they had mailed to me. However, in early XXXX of XXXX I noticed that I was charged a late fee for non-payment of a balance amount, and upon logging in and checking my account, I found that there was a {$2700.00} balance owned on my account. I immediately reconciled each of the transactions since XXXX using the monthly statements, and it was very quickly apparent to me that they had made an error in how they had handled the claim ( they had rescinded some of the credits that were posted to my account to negate the fraud charges, asserting that the vendor has refunded me the same, which clearly wasn't the case based on the posted transaction history on the account ). 

I promptly called them and the agent agreed that the claim needed to be re-opened so that they can resolve the matter and address the error they had made ( i.e., if the claim was resolved correctly, I would not owe any money to BOA, since all the charges on the account since XXXX were all fraudulent ). The agent also reversed the late fee they had charged. However, they said I have to make a minimum payment on the balance due, if I wanted to keep the account in good standing, even though the amount that I supposedly owed them was due to the error the bank had made in resolving the dispute. I made the minimum payment due of {$130.00} so I wouldn't be charged late fees. The agent also told me at the time that the error would be addressed in a " week or so '' and call back if it wasn't. 

It is now XX/XX/XXXX and the issue has not yet been resolved- its been over 6 months since I initially reported the claim. I have spoken with multiple agents since my call to them in XXXX, and each time I've been told they are still investigating the issue and that I should check back in a few days. 

My last call to their claims department was on XX/XX/XXXX. I was told that they don't yet have an estimated resolution date for the claim, and that I had no recourse but to wait, all the while making the minimum monthly payments to the account for a balance that I'm not even liable for. 

The claim # in question is - XXXX. 

Please assist me in getting the necessary scrutiny on this case to get it resolved in a timely manner. Thank you
Product: Mortgage

This complaint stems from a " supposed '' unpaid property tax payment. Both payments were made within the due period. There was a mix-up of my first name on the 2nd payment. The correction was made with the XXXX XXXX Collector. When I received the 1st notification ( approximately XXXXXXXX XXXX ), I spoke with a representative of PHH Mortgage and explained both payments had been made in the allotted time. I then began receiving letters threatening foreclosure. I have spoken with many representatives from PHH many times regarding the situation. I even forwarded, by email, PHH on XX/XX/2022, a copy sent to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually received threating letters stating I am in foreclosure. The latest letter is from XX/XX/2022. This continual threat is causing me a lot of stress and anxiety. PHH is also charging me {$1000.00} for " paying my property taxes '', which were already paid!! 
I'm hoping that by issuing this complaint I will no longer receive these threatening letters. I only wish I could dissolve this reverse mortgage with this horrible, horrible company. It's been one thing after another with PHH Mortgage.