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

I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my credit!
Product: Credit reporting

Experian has repeatedly ignored my requests for them to provide me with the documents that their company has on file that was used to verify the payment history of XXXX accounts that I disputed. This matter has been ongoing for more than 60 days! twice the permitted timeframe and they can not satisfactorily verify the late payments on the accounts in question, as per Section 611 ( 5 ) ( A ) of the FCRA - they must " ... promptly delete all information which can not be verified '' that I have disputed and demanded be validated. Please resolve this matter ASAP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Vehicle loan or lease

I made both of my biweekly payments for XXXX together iao XXXX. My payments are usually XXXX every two weeks. I made it early this month so I didnt have to make it XX/XX/18. I got a bill in today saying they got my payment and I got another one due XX/XX/18 when I made both on XX/XX/18. This company has been a nightmare to deal with since they took over my loan. Rude reps when I call in and now this inconsistent billing stating I owe again when I do not for XXXX. I want this to be consistent and for the over billing to stop. I made my payment and feel harassed. I want this XXXX corrected.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX MXXXX  XXXX
Product: Debt collection

On XX/XX/XXXX I had blood work drawn at a lab (XXXX XXXX) and they billed my insurance company (XXXX) $XXXX.  The lab is in network and the insurance company has a discounted rate that brought that bill all the way down to $XXXX.  The insurance company paid $XXXX  and I was left with a $XXXX copay which I did not make.Today (XX/XX/XXXX) in the mail, I received a letter dated XX/XX/XXXX  from XXXX, a collections agency, stating that I owed a balance of $XXXX.  Which is 10 times the amount actually due. The representative for my account is listed as XXXX XXXX.I called XXXX and was told that I do, in fact, only owe $XXXX.  When I asked why the letter I received, asked me to pay $XXXX, the representative told me that this was the original amount due and an insurance adjustment had since been made.  I have the EOB from my insurance company and there was never an amount of $XXXX due, also, the insurance payment was processed 2 days after it was received, so there was no adjustment made after the fact.I believe that XXXX purposely misrepresented the amount due to fraudulently collect more than what was owed and also to collect a higher rate of interest and fees if I were to not make a prompt payment.
Product: Debt collection

I hate this XXXX company, American Education Services. If a XXXX is one day late with payment, they will call you and harass as though you are 30 days late. The phone reps sound like a bunch of XXXX The only repayment option AES offers me is XXXX in which they " may '' forgive the loan. Typical XXXX  This loan was totaled {$6000.00} but it has ballooned up to {$14000.00} with a 10.26 % interest rate. Just pure harsh. I thought I had settled down they payment back in 2013 to hardship payment of {$35.00} x XXXX due to my status as " XXXX XXXX XXXX' but AES has reneged on the contract and my payments are {$58.00} x XXXX and will increase to {$72.00} x XXXX. This is a horrible company to be offering XXXX loans.
Product: Student loan

Denied repayment plan. Instead was put on forbearance and was not told when it was over. Naviant is my issue.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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: Credit reporting or other personal consumer reports

I am disputing the charge-off status on my account, as I believe the information is incorrect. Please investigate and verify the accuracy of this account.
Product: Mortgage

MY MORTGAGE LENDER IS CLAIMING FEES THAT ARE WRONG AND THEY CAN NOT PROVE ANY REASON FOR THESE FEES OF {$2000.00}!!!!! 
I had major financial hardship about 2 years ago which led to income reduction and lots of financial problems. I fell behind on mortgage payments XX/XX/XXXX. After a few months I applied for mortgage assistance and my loan modification was approved by the lender RESIDENTIAL CREDIT SOLUTIONS ( RCS ) XX/XX/XXXX. This new modification plan brought my mortgage current and all the past dues were added to my principle balance. Loan documents that I signed XX/XX/XXXX clearly stated that As of the date of the modification approval my loan became current, and the new plan started with the monthly payment of {$3200.00} which included property tax too. 
LATER ON, THE LENDER SOLD MY LOAN TO ANOTHER COMPANY ( XXXX ). AFTER FEW MONTHS THE NEW LENDER STARTED CHARGING NEW FEES AND CLAIMED THEY HAD PERFORMED CERTAIN SERVICES FOR THESE FEES, BUT THEY DID NOT KNOW WHAT THESE SERVICES WERE!!!! 

AFTER MY REPEATED CALLS AND OBJECTIONS THEY STARTED GIVING ME CONTRADICTORY INFORMATION ABOUT THESE CHARGES. ONCE THEY SAID THESE FEES WERE BECAUSE THEY INSPECTED MY HOME SINCE MY HOME WAS ABANDONED!!! WHICH WAS A TOTALLY FALSE CLAIM!!!! 
THEY NEVER DID SUCH AN INSPECTION, NOR THERE WAS ANY REASON FOR ANY SUCH INSPECTION. I ASKED FOR A RECEIPT OR A PROOF OF THIS ALLEGED INSPECTION BUT THEY HAD NOTHING!!! 
THEN THEY GAVE A NEW EXPLANATION CLAIMING FEES OF MORE THAN {$2000.00} WERE FOR CERTAIN CITY & COUNTY FEES BUT THEY DID N'T KNOW THE NATURE OF THE SERVICE. I CONTACTED CITY TAX COLLECTORS & HOUSING AUTHORITIES AND THEY SAID NO FEES WERE DUE, NOR ANYTHING EVER RECEIVED FROM THE NEW LENDER!!!! 

I CALLED XXXX AGAIN AND THIS TIME THEY CHANGED THE STORY AGAIN!!!!! CLAIMING THAT THE FEES WERE FOR EXPENSES THAT PREVIOUS LENDER ( RCS ) HAD FAILED TO PAY DURING MODIFICATION REVIEW!!!! 

I REVIEWED THE LOAN MODIFICATION DOCUMENTS AND IT CLEARLY INDICATES NO EXTRA FEES OTHER THAN MY NEW MONTHLY PAYMENT WAS DUE. ALL OTHER FEES HAD BEEN COUNTED FOR!!!!! 

IF THERE WERE OTHER FEES OF {$2000.00} THE RCS SHOULD HAVE DISCLOSED THEM WHICH THEY FAILED TO DO. NOW RCS MUST CLEAR THIS MATTER WITH THE NEW SERVICER AS I CAN NOT BE HELD RESPONSIBLE FOR ANY THING MORE THAN WHAT WAS CLEARLY SATED IN THE EXECUTED LOAN DOCUMENTS. 

THIS SITUATION IS EXTREMELY UNFAIR, IMMORAL AND EVEN ILLEGAL!!!! 

RCS AND ALSO XXXX MUST CLEAR THIS DISCREPANCY AMONG THEMSELVES INSTEAD OF JUST PRESENTING NEW STORIES AND EXCUSES FOR FALSE BILLING SCHEMES!!!!
Product: Money transfer, virtual currency, or money service

A friend in XXXX sent a {$500.00} wire transfer from his XXXX account in XXXX to my Capital One account. Wire was completed on XX/XX/2018. 

As of XX/XX/2018 the funds have still not been deposited into my account or returned to the originator. Capital One just says that the transfer is " under review '' with no way for me to rectify the situation. I have not received an email, letter or phone call notifying me of this delay. I have had to call to get any information. 

I understand that there can be delays but holding onto an account holders money for 3 weeks seems excessive - especially given that the dollar amount is so low. It also seems that there should be a requirement that the bank provides notification of this delay but there has been zero communication coming from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Inc, XXXX XXXX and XXXX have ruined my reputation by furnishing unaccurate information on my consumer report. They have continuously violated multiple consumer laws by reporting in inaccurate late payment on my consumer report. On my consumer report a late payment is being reported for XX/XX/2021 during the pandemic. These companies are misusing medical credentials and violating the HIPPA Laws. As everything I do is for my welfare and health. Self, XXXX, XXXX, and XXXX I am requesting a full accounting of this account both the debt and credit side of the ledger. There are no Late payments on the ledger just credits and debits. In accordance with title 15 usc 1681 B Permissable Purposes A furnishing agency may only furnish a consumer report with the written consent of the consumer. I do not give Self Inc, XXXX, XXXX, XXXX, consent to furnish any late payments on my Consumer report I demand that the late payment for XX/XX/2021 be updated to paid as agreed. Refusal to remove these late payment and update them to paid is noncompliance unde 15 usc 1681 n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} noncompliance will not be tolerated as my reputation is being damaged as well as the health and posterity of my family.

Pursuant to usc 1681a ( 2 ) b any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, The Definition of a credit card under 15 usc 1681 is the same under title 15 602 ( I ) which is the term " credit card " means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit, Congress said ANY card. The credit card is my social security. This is the credit card I use to originate every consumer transaction. All acoounts should reflect that I am the original creditor therefore a late payment can not exist. I am giving my written instructions that all furnishing reports and consumer reports be updated immediately to reflect such and that all late payments be amended to paid as agreed,
Product: Debt collection

I asked for company name again numerous times to call to have my number removed from being called for person they are looking for and person calling was told company is trans world system incorporated that the number they call from XXXX ( XXXX ) XXXX they called from XXXX ( XXXX ) XXXX yesterday & several times before & that they have been told repeatedly that this is not XXXX XXXX number & to remove my phone & to stop calling me for her the callers name was XXXX she hung up previous callers from company claimed to report my number as wrong number & to remove from list but still they call
Product: Debt collection

On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX XXXX agreed to honor my cease and desest all calls and collections and communications to account XXXX. on XX/XX/XXXX I  received another communication of harrassment from XXXX XXXX XXXX XXXX additional establishment of validity. I request that XXXX be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under XXXX code as well as Federal codes. 
Thank You XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit. 
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less. 
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX. 
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back. 
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ). 
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account? 
The impact to my credit score was more than 30 points as I don't  carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX. 
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX  '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Credit card or prepaid card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear OPPLOANSXXXXXXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina 's identity theft and fraud laws, specifically under N.C. Gen. Stat. 75-63 and 14-113.20.

It has unequivocally come to my attention that OPPLOANSXXXXXXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C. Gen. Stat. 75-63, emphasizes the necessity of consumer consent for credit reporting. Furthermore, N.C. Gen. Stat. 14-113.20 establishes clear guidelines for the fair reporting and protection of consumer credit information and addresses the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for OPPLOANSXXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that OPPLOANSXXXX XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and N.C. Gen. Stat. 75-63. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that OPPLOANSXXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. XXXX XXXX and Equifax refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.