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

IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Product: Student loan

My federal direct loans have been in repayment since about XXXX. I have diligently kept my loans in REPAYE and then SAVE, making all required payments, and carefully avoiding doing anything that would result in interest capitalization. 

On XX/XX/XXXX, my payment was due to be automatically withdrawn from my bank account, but no payment was taken. I received a correspondence from MOHELA that appeared to indicate that my loan interest was being capitalized so I called and was told that no capitalization had occurred ( date uncertain ). In XXXX, XXXX, I attempted to contact MOHELA through my secure online portal. I asked whether my loans had been capitalized and, if so, why. I was told to call and received no information in response. 

On XX/XX/XXXX, I called MOHELA. I spent XXXX  minutes on the phone and was told that my loans were placed in an involuntary forbearance from XX/XX/XXXX- XX/XX/XXXX. I was told that interest on my loans was capitalized on XX/XX/XXXX. This increased my principle balance by {$70000.00}. The reason for this involuntary forbearance was so MOHELA could " change systems. '' I believe that this practice is unfair and oppressive in the extreme. Not only was I provided no notice about this forbearance and capitalization, but there was no ability on my part to avoid capitalization as I have done since entering repayment. If this happened to me, It must have happened to others as well.
Product: Credit reporting or other personal consumer reports

I have 3 companies where someone tried to apply for type of credit .I have no knowledge of this I did not authorize these companies .Never ever did any business with the companies. I have contact the companies many times and no remove of the hard inquires. 

Below are the companies and dates I also sent a letter to the credit bureaus companies and its been over 30 days and I have not heard anything back from XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX XXXX and TransUnion consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase Mortgage on XX/XX/2021 has my insurance escrow as {XXXX} when it should be {XXXX}. I want to explain to XXXX. The phone number they have doesn't have a live person and just directs you back to the website. If you call Chase they tell you to call the phone number " my mortgage coverage info '' and well you're back at square one. I sent an email to them and they just reply resend your policy. I'm at wits end what to do. 

Now my mortgage payment has substantially increased due to this inaccurate mortgage amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Mortgage

I took out a loan with Wells Fargo around XX/XX/XXXX. 
I missed a few mortgage payment. 
Sometime around XX/XX/XXXX Wells fargo started Foreclosure proceeding against my home. 
I paid approximately {$65000.00} into the loan that was originally {$200000.00}. 
The majority of the {$65000.00} paid into the loan went to fees and Penalties.
Product: Payday loan

I applied for a payday loan and was approved. After being approved and making XXXX payment of {$210.00} to the company whose full address and name is listed below, I found out before having to make the next payment that we would in fact have to pay a finance charge of {$3600.00} which would be spread out between XXXX payments lasting a year which would begin decreasing through the life of the loan. Our initial loan was for {$600.00} and by XXXX XXXX of 2017 we will have paid a total of {$4200.00} which is more than 7 times our initial loan. When I applied and was approved for the loan I had no idea they were going to be making me pay so much. I can understand having to pay some money more over a couple of months, but 7 times the money I borrowed seems illegal. Below is the address and name of the company. 

Red Rock Tribal Lending, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

This is numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} .
Product: Checking or savings account

I deposited a check via e-Check into my account from the US Treasury in the amount of {$4200.00} on XX/XX/XXXX. Two days later Ally sent me an Email telling me the check would be held for 5 business days ans some of the information didnt appear to match my deposit information. The next morning I woke up to fraud emails on my account and had been locked out of my accounts. I called and was told my account was being flagged for fraud due to the check. When I called I was told this was because the believed it could be fake or not paid. I was shocked as this is a check from the United States government I had been waiting for. None the less they told it was possible it could be fraudulent and thats why it had been flagged. During this time I would also be completely locked out of my accounts with them and not make any other transactions. 

I called again today XX/XX/XXXX as it has been over 5 business days and was told well usually its 7-10 business days and could be longer if they are worried and the funds would get returned. Again this is a check directly from the US Treasury! I was told I could call back on XXXX and it appears that if the funds havent been returned by then they could then release the money to me. So the check has cleared and they are sitting on MY money just waiting to see if the US Government is going to take the money back??!? This doesnt seem right or legal at all.
Product: Debt collection

The debt in question was paid some time ago. Yet, every month, or less frequently, National Credit Systems UPDATES the account as if new information/payment was processed, and reports new dates ( with the last reporting being XX/XX/2021 ), thus having a significantly negative impact on my credit profile and score ratings. Continually reporting that an account has been updated, when it has not, technically constitutes still attempting to collect on a paid debt.
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY PROFILE AND MY SOCIAL WAS USED FOR INFORMATION THAT IS NOT MINE INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME PLEASE HELP ME REMOVE THESE INACCURATE ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX/2022- {$200.00}, XXXX By the Fair Credit Act. The List Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ) Sections State : no consumer reporting agency may make any consumer report containing any of the following items information any other adverse items of information, other than records of convictions of crime 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

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent Trans Union, XXXX and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. t claims it was opened in XXXX of XXXX but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS.
Product: Credit card or prepaid card

I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.
Product: Credit card or prepaid card

American Express Platinum totally messed up my account. They charge a {$690.00} Annual fee but wouldn't pro rate the refund if you want to close your account. The reason why I'm closing is because I couldn't get the services and benefits I'm suppose to get. They messed up my account so badly that I have been stressing out since XX/XX/2022. I have chatted and spoken to several customer service and each promise me different things. The Annual fee is not worth it.
Product: Checking or savings account

Bank of America closed my Checking Account that I had XXXX in and will not release my money to me and have restricted me from getting it either in person or by debit card and are telling me that they will mail me a Check in 90 days
Product: Payday loan, title loan, or personal loan

2 days ago I looked into loan options. Zoca was one that offered options but I was not interested. They called around 10 times in 2 days. After blocking the number, I called them back and was on hold for 15 minutes to speak to someone to tell them to stop calling. I then emailed the company to tell them to stop calling. They then called 2 more times last night. I called them back and told them again to stop calling. They have called now 3 times today. I want to be left alone.
Product: Credit card

Sun. XX/XX/XXXX Purchase made at XXXX XXXX XXXX, card account opened at checkout First week of XXXX : Received full card details by mail, added information to online credit union/checking account Mon. XX/XX/XXXX Payment mailed from XXXX ( XXXX XXXX ) to Comenity Payment Due XX/XX/XXXX *Comenity does not address receipt in a timely manner ( intential? ) Payment Cleared XX/XX/XXXX Last week of XXXX : Receive next statement showing late fees and interest added. 

XXXX XX/XX/XXXX Call to address addition of fees, hoping to have this remedied and get the relationship off on the right foot. ( XXXX was a work-from-home day that allowed me the privacy to address this during normal business hours ) NO PEOPLE ARE AVAILABLE AT THE PHONE NUMBER LISTED ON THE BILL ( intentional? ) Multiple phone calls and attempts, trying different combinations of recorded menu selections until I finally chose close my account thinking THAT might get me to a person. It did not, a recording told that the account was closed. 

No person from Comenity contacted me about the issue. 

XXXX XX/XX/XXXX a recording called me and I called the number back. This is when I learned that Comenity was continuing to add fees on top of their fraudulent fees and refused to fully remedy the situation. 

I paid XXXX  % of my balance on time. No fees were ever to be added to have been able to have generated additional fees. Thats the whole truth of the situation. My bill states that mailed payments must reach us by XXXX on XX/XX/XXXX and theres NO REASON that mine didnt. They left it sit there. 

XX/XX/XXXX Today I received my second phone call from someone saying theyre calling from XXXX XXXX XXXX it sounds like a call center in XXXX XXXX and then they immediately disconnect the call. My concern is that this fraudulently behaving company will use these tow phone calls to say that theyve tried to contact me when, in reality, they are calling and hanging up only seconds into each call.
Product: Debt collection

I realize that, Perfection Collection LLC from  XXXX  Utah, put information regarding a   XXXX   XXXX   account for  XXXX  $ to the Credit Bureau without contacting or notify me. I call and  XXXX   XXXX   XXXX  offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State.   I`m sending certified letter today after couple of conversation with  XXXX   XXXX .
Product: Vehicle loan or lease

Please see attached letter I sent to Ford with details of all events. I was told they will not reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. EXPERIAN AMD XXXX STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B (  C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX/XXXX/XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX/XXXX XX/XX/XXXX {$360.00} XXXX/XXXX XX/XX/XXXX {$360.00}
Product: Vehicle loan or lease

Good afternoon, I have a car loan with Bridgecrest that I have been paying off for the last 5 years. I'm currently at the end of that loan, and I have a new job. I've been requesting a " Due Date '', change of payment since XXXX. Every two weeks, I have to call and pay my bill along with the late fees, and request a new " Change of Payment Date ''. I have called several times to request a change of payment. The customer service doesn't seem knowledgeable, and the manager isn't reviewing the request. I feel like they are doing it on purpose to collect late fee 's and It's casing anxiety and sleepless nights!

Care note : {$220.00} Every two weeks plus card and late fees! 

I called their customer service department on XX/XX/2022 around XXXX pm and spoke with an agent and didn't get anywhere. I asked the agent if they were going to mail me the title after the car was paid off, and said he wasn't for sure if they had the title! 

That really got me upset, and I have lost faith in them. 

Bridgecrest website FAQ : I paid my vehicle off, when will my title be released?

Please call Bridgecrest Customer Service at XXXX for an update on your title release.https : //myaccount.bridgecrest.com/AdviceCenter. 

1. Can they submit and correct my due date change?

2. Once the car is paid off, will they mail me a paper copy of my title, like XXXX, customer service, and their website states? Will it have a tracking number?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in the XXXX XXXX XXXX XXXX XXXX OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, Experian, XXXX ) deleted the account and then placed it back on ). ( XXXX, Experian, XXXX ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.