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

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX  years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX Rooms to Go credit card ; funded by Synchrony Bank When I made my recent purchases with Rooms to Go, I opted for the payment without having to place a down payment and now my monthly payment has doubled. I was NOT advised this option would cause my payment to increase until now when I called the Sales team and their response was nothing can be done. This is unacceptable because the terms about my payment doubling was not listed on the website when I made the purchase ; if so, I would have made the down payment. This is deceptive and in violation of the UDAAP regulation. 

I have an excellent payment history with synchrony and I would like for my account to be reviewed and my monthly payment to be lowered back to {$130.00}, please. Also, since XXXX my payment continues to go up. XXXX I paid {$230.00}, XXXX and XXXX I paid {$240.00}. This is causing financial difficulty having a payment so high. 

I appreciate your time and assistance with this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not initiate or authorize any of the following companies to run my credit resulting in the hard inquiries below. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened XX/XX/2017 Balance {$63000.00}
Product: Debt collection

This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.
Product: Debt collection

I noticed Midland Credit was on my consumer report. I called and inquired if they own the debt of which they're requesting of me- they said yes. I then issued a dispute to the 3 major credit agencies and to Midland as well. I requested a wet signature that indicated a contract between me and Midland Credit, a chain of title, and the ledger for the debt in question. I didn't receive anything. I called Midland after the credit agencies said their dispute was completed and asked them why their information was still on my report and that they were in violation of FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are also in violation of 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have not gotten permission and they have been advised to cease and desist any communication in relation this alleged debt. 
( b ) Communication with third parties They are also in violation of 15 U.S. Code 1692c which states Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Again, they have not received my consent. 
All of these actions and violations from Midland Credit has caused me great distress emotionally and physically. They are oppressing me and can not provide me simply with the things that I'm requesting.
Product: Credit card or prepaid card

I had fraud charges hit my Vystar debit and credit card in XXXX this year. I immediately reported the fraud the same hour. I asked them to stop all transactions, All but XXXX of these transactions were still pending when I contacted Vystar. 

Vystar reimbursed me on my Debit Card XXXX and my Credit card XXXX These charges were from XXXX, I believe they were from XXXX XXXX, XXXX After 30 days Vystar reversed the XXXX credit on my debit card saying I gave access to my computer and therefore the IP address. I explained to Vystar that I was led to believe it was a legitimate streaming service and it was a technician helping me with a problem on my streaming service and gave access to my computer under false pretense. 

They then refunded me the XXXX charge once again Then 60 days later Vystar took back the XXXX credit they had given me on my credit card for the same reason. 

Again, I explained to them what happened but the fraud manager refused to give me back the credit and then froze my debit and credit card stating I was a security threat. 

This happened one time and over 3 months ago and now they chose this action on me. 

I simply want to be refunded the XXXX they initially credited to me 3 months ago They refused to work with me on this matter. Not only is their a wrongful XXXX in charges on my credit card but I am getting hit with huge interested charges on it. 

Thank you and I hope you can help me deal with this issue.
Product: Credit card or prepaid card

I logged into my account on XX/XX/19. I made one payment of {$20.00} to cover a purchase I had just made on XXXX that day. Then I made a second payment of {$25.00} to satisfy the minimum payment due on XX/XX/19. Today, XX/XX/19, I logged into my account and it shows both of those payments have posted, however it still shows a minimum payment of {$25.00} due on XX/XX/19. I contacted customer service about this because I made two payments totaling {$45.00}, more than the minimum due. They refused to remove that minimum due, even though I already made my payment and it was more than the minimum due. They claim it was because I paid it too early. At the time I made those payments, it was already showing the {$25.00} due on XX/XX/19. How can I pay it too early? I saw the minimum due and made a payment. I feel like I am being penalized for paying my bill. So now, even though I've already paid {$45.00} towards my bill, they expect me to pay an additional {$25.00}. My minimum due is supposed to only be {$25.00}, but now they are making me pay {$70.00} total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach. Under law FRCA 15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. These following accounts are not correct nor mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter this month from Transunion Consumer Reporting Agency regarding a dispute I made for inaccurate accounts and some accounts that weren't mine. The letter Transunion sent me stated " We recently received your request that included your information, but it didn't APPEAR that you or a properly authorized third party sent it to us '' I find this response unacceptable and deemed willful noncompliance. How would Transunion union 100 % accurately confirm someone besides myself sent my disputes without even attempting to make any type of verification with me before sending me this letter. I happen to be very knowledgeable and familiar with FCRA. 
In addition, the accounts I disputed were all inaccurate or contained incomplete information which is a FCRA violation. Account XXXX XXXX XXXX XXXX XXXX XXXX has no payment history attached but yet shows a balance which is incomplete information. Account XXXXXXXX XXXX  XXXX states a last payment made in XXXX but yet shows a payment checked for XXXX. Also, this account has no payment history reported from XXXX to present but yet shows a balance of {$250.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

I received an email from my bank on XX/XX/scrub>/25 that a " new non-medical collection has been reported ''. Upon investigation, the account is from XXXX XXXX XXXX from XXXX Texas for {$330.00}. I have not received a written notification of what this is supposed to be for nor any information on my right or how to dispute. I have not had any contact by the company. I use USPS informed delivery so I can prove that I have not received a letter from them.
Product: Vehicle loan or lease

state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book
Product: Checking or savings account

On Thursday XX/XX/2022, I purchased a necklace from a company called XXXX. After a few days passed I received the necklace I ordered, however, on XX/XX/2022, I received an email from the Financial aid office at the college I am attending, and they announced that my funds had been posted to my bank account that is associated with them. 

I noticed fraudulent transactions posted to my account as well as some transactions that are not yet authorized. FIVE out of Eight transactions have been authorized and in total XXXX $ was retrieve from my BankMobile account without my consent. 
I am guessing someone took my XXXX 's information and used it to buy things online without my permission. The last merchant I purchased from using my debit card was XXXX, so I came to the conclusion that this website is being used for scams. 

These are the merchants that took money from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have XXXX XXXX XXXX account updated on my credit report with equifax and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my report that has taken well over 30 days and I haven't received any investigation results
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$9800.00}
Product: Mortgage

Ocwen Loan Servicing and XXXX both have committed years of fraud against me. Attached is email communication between my local district attorneys office and myself, Investigation. Ocwen Loan Servicing robo-puppet " XXXX '' is cherry picking email communication between Ocwen crooked counsel " XXXX '' and myself only to spin its cover up to the CFPB. its very difficult fighting a bunch of Ocwen scumbags when I am having multiple XXXX daily do to Ocwen Loan Servicing crooked robos overwhelming fraud abuses. Ocwen Loan Servicing and its robo-puppets keep harassing me, claiming I owe a debt with Ocwen when I do n't. I try and plead with Ocwen scum employees and explain to them that Ocwen / XXXX used fraud upon the court to phony up a pretender beneficiary judgement, using forged fabercated documents to bribe a bias judge to strip me of all my rights. I demand scum Ocwen lawyers to have XXXX VP XXXX call me to discuss XXXX/ Ocwen Loan Servicing ongoing fraud abuse which has caused me serious health troubles,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, XXXX  and Equifax. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.