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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

We made purchase at XXXX XXXX and were offered a credit card by Comenity Bank with no interest for 12 months. We ended up signing up for the card. To avoid any late fees the bank suggested setting up an auto payment and also signed us up for paperless statements. The system has been debiting our account automatically for the past year and we didnt see any issues except for the fact that the bank signed us up for minimum statement due and when we hit 12 months mark in XX/XX/XXXX end the bank charged us around {$700.00} in interest fees We were not made aware of the charge by email or text as we were still on the auto pay. when investigating why we are still paying in XX/XX/XXXX, we see that the bank has charged us interest and has been doing so for the months of XXXX and XXXX for $ XXXX each month in addition Issue - 1. The bank signed us up for auto pay for the minimum due and not the statement balance. The bank doesn't give the option to pay statement balance and hopes customers sign up for minimum balance and accrue interest, knowing that consumers will not see the interest accrued for 12 months and will forget with paperless statements. As a result they will hit the customers account with huge interests and wait for 12 months to collect the interest as the customer is not tracking the account with with auto pay and phone/email notification.

2. The bank also didnt send us any email or phone notification of the charge even though we have signed up with out email and phone. On asking them about it, they mentioned it is on the statement ( that we dont receive by mail nor by email ) that we should have logged into the account and clicked on the notification center to download and see. 

I am sure this is not the first time this has happened. The fact that the bank gives auto pay options only to pay off minimum due amount and not statement balance shows that they want customers to accrue interest so that they can slap it on the account that is in auto pay mode We trusted the bank and signed up for auto pay and signed up for notification and paperless statements. That now has caused us to pay the bank {$800.00} in additional interest fees. 

Happy to provide more information as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX for cash, in XXXX, from XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. Car 's identification number is : XXXX. When I bought the car, I fully paid for it with no loans. I fully paid for it when I bought it with no car loans. I went to get the title from XXXX XXXX, on XX/XX/XXXX, and I was told that XXXX  ( XXXX XXXX XXXX XXXX  MD ) is the lien holder and I need a lien clearance from them. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX who told me XXXX is no longer the holder of this lien and Ally Financial, phone number XXXX is the lien holder. On XXXX I called Ally Financial and they told me they did not have access to this older file and higher management has to review it for 48 business hours. They told me they will call me and that they CAN NOT email me about this case. This concerened me because they said they can not email me for updates. When I asked for an email regarding this case, they said they can not use email for this older file. They generated a reference number for my case which is XXXX. I asked why a car that was fully purchased without a loan, in XXXX, had a lien on it and they said they did not have access to the file and higher management has to look at it and it is possible that it was sent to the lien hold section by mistake. I am concerened that they have put a lien on a car I bought in XXXX and paid fully for it at the time of I bought it. I should have the car 's title. Can you please look into why this institution has a lien on my car and they have not remedied this situation by sending a lien waiver to me or to XXXX XXXX. Thank you.
Product: Student loan

Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. 

In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/,  and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. 

I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. 

When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. 

Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.
Product: Credit card

On XX/XX/XXXX, I contacted USAA because I noticed no change in interest charges month after month after having made several above the minimum payment payments. 

They advised me that my payments were applying to my interest free balances as opposed to my interest bearing balance. 

My interest bearing balance was XXXX in XXXX and XXXX in XXXX, when a made {$1000.00} dollar payment and made no other purchases. This has gone on for months. 
They are only applying my minimum payments the interest bearing balances. 

FURTHER : My interest bearing balance was not reduced by the {$1000.00} payment, even with two months of finance charges it was only reduced XXXX ( with two months finance charges it comes to XXXX ), but this after {$1000.00} payment which means that {$650.00} is missing. 

According to the CCPA The Consumer Credit Protection Act ( CCPA ) protects consumer credit rights, including payment allocation protections. The CCPA requires that creditors apply excess payments to the balance with the highest interest rate when more than the minimum payment is made. 

I want my payments from XXXX forward applied to my interest bearing balance and my interest charges reversed. 

I also want my account fully audited as hundreds of dollar are missing.
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 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, 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 1681 s-2 ( A ) ( a ) 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.

Delete the accounts below. 
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 XXXXXX/XX/XXXX
Product: Debt collection

After contacting the CFPB ; National credit system sent me a identity theft affidavit to fill out & asked for my ID. I have filled out the affidavit and have my ID on hand. When I called to speak with the person over my case to see WHERE I send it to, he hung up on me. I dont have money or a way to mail them the paperwork they asked for. Just like the sent it electronically I need to send it back electronically. I dont have funds to go buy stamps and envelopes. Which is why I am doing it all online. They also asked for a Notarized signature and idk what that is and if its something I have to PAY for to get, I cant do that either. So I will be attaching my ID, the identity affidavit & my report from the FTC. So unless they have a way for me to send all this info for free via paper mail and a way for me to get whatever they want notarized done for free ; Im not able to do it. The FTC accepted my identity theft report. I am sending what I have.
Product: Mortgage

The company shellpoint/NewRez states in the answer to the prior complaint that XXXX XXXX XXXX XXXX requested that I provide documentation related to my prior deferment and that it was XXXX related. I did as requested and called XXXX XXXX XXXX XXXX after my appeal was denied. I was told that while I am to provide evidence, my lender needed to confirm my claim. The lender was unable to confirm the documents that I submitted as they did not have an accurate and complete mortgage file. Therefore, I was denied. Shellpoint is to report accurate and complete information regarding my loan. That is their due diligence. They failed, so they should correct that information with XXXX XXXX XXXX XXXXXXXX. They lender can not make decisions or change outcomes of applications with the program. However, they must be able to validate my independent information with their information on file. They mishandled the application process, they belittled me when I repeatedly called to discuss the matter, it took an inordinate amount of time for them to answer the program, thereby it played the clock down and funds are now low and the application process is closed. Shellpint/NewRez is responsible to mitigate this matter with loan forgiveness or face legal action. CFPB must escalate this matter beyond having lender answer complaints and close report. I am demanding this matter be escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. Thank you.
Product: Credit card

i purchased a XXXX  but did not get it i file a dispute twice and they was suppose to stop payment until it was resolved but continued payment, after i disputed twice there was no resolve and then they closed my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX ... and transunion of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has beeb reporting alleged accounts on my consumer report without my permission. I never gave written permission for them to do so and they have violated my rights as a consumer pursuant to 15 USC 1681b congress has said. I've attached the affidavit of truth.
Product: Debt collection

I reached out to Credit Corp Solutions on XX/XX/XXXX after receiving correspondence via mail asking them not to contact me in any way regarding a debt that want mine. I explained and sent a copy of what I sent to the original creditor regarding the debt as well as a letter from the creditor stating theyre removing it. They keep calling called today XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX also explained to them I sent the original creditor a copy of my lease and a utility bill showing that the account was opened at an address doesnt match the address I currently reside at and also was residing at at the time The about was opened which also resulted in it being removed.
Product: Credit reporting 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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Mortgage

In XXXX when i was still married we applied for a second mortgage to help pay for home repairs that happened during a flood, in XXXX I divorced, specialized loan servicing offered a modification to help lower payments. I was assured it was the same 313 month loan terms, but on XXXX of XXXX a balloon in the amount of XXXX became due. I was unaware of this balloon payment. So I tried to do a modification with them which they refused twice saying I dont meet the delinquency criteria, all they offered was a short sale. I am not in position to do that, I live in the house with my children which one of them is profoundly XXXX. They continue to threaten foreclosure on me. I am working with mortgage assistance program in my area and they will not work with them either. Also when they sent the papers that I signed for the modification it doesnt show the notary signatures that I signed in front of. On the verification of mortgage it states 313 months which should of been till XXXX. They took advantage of me with that offer back in XXXX as I thought I would be saving money. This second mortgage I am talking about was discharged in a XXXX bankruptcy and I continued to pay it so I can stay in the house. They are now calling and asking for the balloon payment and threatened foreclosure on several occasions. I can not come up with the XXXX they are asking for now. I have no where to go, I need my home for my family.
Product: Debt collection

Helvey and associates- XX/XX/year>, {$1200.00}, presumed information was exposed in data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX IXXXX XXXX XXXX account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts do not belong to me. They should not be on my Equifax credit file.
Product: Credit reporting or other personal consumer reports

Notice this XXXX account # XXXX that was open XX/XX/XXXX on my credit report in XX/XX/XXXX that don't belong to me. I did not open up this account and is fraudulent. I contacted Equifax about this matter, and nothing has been done i have included a police report and a identity theft report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  SS # XXXXXXXX  Date : XX/XX/XXXXXXXX  To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Please update the following account below : Account Name : XXXX Account Number:XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours, Company continues to furnish fraudulent information to my report. This is a direct violation of 15 USC 1681.
Product: Credit card

AAFES received an application for credit in my name. They attempted to verify my identity with me due to a credit alert I have with the credit bureaus but they were unable to verify. The application is showing on my credit as a hard pull however it was not me applying for an AAFES card or credit.
Product: Mortgage

Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX XXXXXXXX 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