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

I have had multiple car loans with Chase Bank with no problems. However, on my loan number XXXX, Chase Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted Chase Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid XXXX extension. 

While checking my XXXX credit report on XX/XX/2022. I am informed that Chase Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted Chase Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with Chase and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before Chase considered it delinquent. I relied on making my payments via phone since I have not been able to og into my Chase loan account for over a year. 

Chase agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.
Product: Debt collection

Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$16000.00} XXXXBalance {$1700.00} XXXX XXXX XXXXBalance {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on rebuilding my credit to become a home owner again. There are two hard inquiries reporting on Equifax that I do not recognize. I am not sure who to contact because it describes it as XXXX Miscellaneous Reptg. Agencies. Once on XX/XX/2018 and once on XX/XX/2018 from the same company. I do not remember giving anyone permission to pull any credit report this year at all.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries, I have attached my FTC report to this complaint to prevent further stall tactics from Transunion.
Product: Payday loan, title loan, or personal loan

Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I contacted Equifax and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XXXX XXXX, 2017. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
Product: Credit reporting

XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report.
Product: Credit card or prepaid card

I paid my American Express balance in full between 2 payments - 1 ) XX/XX/XXXX {$300.00} in rewards cash and 2 ) XX/XX/XXXX {$11.00} in online payment from by bank account. Balance due on my account was {$310.00} from my statement printed XX/XX/XXXX with payment due date of XX/XX/XXXX.

American express credited my account by {$310.00} ( paid in full ), but is reporting my account as 30 days past due because I used American Express reward dollars as part of my minimum due ( {$35.00} ). My account has been paid in full nearly EVERY month since XX/XX/XXXX. My XX/XX/XXXX statement shows my account paid in full of {$310.00}, but American Express is not honoring their own reward dollars as payment.

I made a similar combined payment for myXX/XX/XXXX statement - {$150.00} in rewards dollars and {$19.00} ( minimum payment was {$35.00} ) from my bank account and American Express accepted my payments as bringing my account to a XXXX balance and did not increase my minimum due.

I have paid my account in full - {$150.00} in debit from by bank account and need my reward dollars back from American Express in the form of a check.
Product: Credit reporting or other personal consumer reports

The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores. 
I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since COVID and still trying to bounce back. I have a HUD lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with XXXX XXXX  but they XXXX XXXX  around month after month and then transferred me to XXXX XXXX. My husband has XXXX times 5 years and I am now XXXX  and trying to pull my credit score up
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be deleted : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a credit card with TD bank. All my payments in the past have been on time. I missed a payment but never got a bill of missed payment or a notice via mail. I got a call to pay the overdue balance which I did n't know about and I paid in full the entire amount owed not just the overdue amount on the card. I also enrolled in auto pay at the same time so as not to miss another payment. I saw my credit score had dropped by more than 60 points after this and when I reported this to the credit card company they said they could n't do anything about it. I had XXXX complete credit payments on time up to this point and I do not believe one payment missed which I did n't know about after 30 days should result in this consequence.
Product: Mortgage

In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from XXXX : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My complaint is regarding the scoring model that is currently used by TransUnion Credit Reporting Agency. Although I am aware of facts that the three agencies may have 100s of models to extract and score, there remains an embedded error in their scoring models. Transunion is scoring consumers on a irregular basis ; i.e. bi-weekly. Thus, creating an environment that will curtail the consumer the " right '' to gainfully make large purchases. 

Two weeks ago, I made a payment on a credit card ; thus reducing the balance. The card was not closed. It was paid down. On XX/XX/XXXX, I received an email notification that TransUnion reduced my score by 77 pts. The reason for the drop was " balance decreased by {$100.00} ''. I paid down a credit card. It was not closed. On XX/XX/XXXX my score was XXXX. HOW??? Not only is this negative action, outrageous ; it is absolutely unconscionable. TransUnion scoring model is design to keep consumers economically depressed and it can be a financial suicide for some.
Product: Mortgage

My wife and I signed a mortgage for a house at XXXX XXXX XXXX, XXXX FL in XXXX XXXX in XXXX. The mortgage was adjustable rate, and in XXXX, the payments increased from the original {$700.00} to {$1100.00}, which we could no longer afford, and we stopped making payments. We were foreclosed in XXXX, the house was sold at auction in XXXX, though that sale appears to have been nullified, but in XXXX a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in our original response to the foreclosure notice, we disputed that the holder of the original mortgage was not the party who filed foreclosure. Our mortgage had been commoditized and resold during the period which led up to the XXXX financial crisis, and XXXX XXXX, which was XXXX of the plaintiffs on the foreclosure, has since been convicted of manipulating the interest rate index which determined the interest rate which caused our mortgage payments to go up dramatically.
Product: Checking or savings account

My x husband opened credit card with my name using my name and XXXX and maxed out the card and now I am paying in order tonot destroy my credit score
Product: Credit card or prepaid card

Bank of America showed up as a hard inquiry on my credit report for a credit card application. This was not me.
Product: Mortgage

Ref : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Telephone number XXXX On XX/XX/2023, a letter was sent to me informing me that my home was being foreclosed on and would be sold at the XXXX XXXX, foreclosure sale in XXXX XXXX. 

On XX/XX/2023 I paid my loan in full to XXXX XXXX XXXX XXXX ( a copy of the paid file is attached ). Since I paid the loan off, I have been calling XXXX XXXX XXXX XXXX on a daily basis to ask XXXX if they have filed a legal release to my foreclosure proceeding. XXXX customer service representatives have informed me that XXXX is undergoing system consolidation or upgrade and that no information can be given on my file. Therefore, I should continue to call back in a few days. I have also contacted attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, who is the trustee in XXXX handling my foreclosure. The XXXX department who simply gives you an email informs me that the foreclosure can not be stopped until XXXX XXXX XXXX XXXX files a formal release in the XXXX XXXX courthouse. 

I am requesting that the CFPB assist me in getting the loan servicer and law firm involved in this matter to remove my property from the foreclosure sale coming up on XXXX XXXX. 

I have paid what I owe on my home to XXXX. I am requesting that CFPB intervene and assist me in getting the cooperation of XXXX Mortgage XXXX XXXX and release my home that I have paid for by filing paperwork in XXXX XXXX courthouse and in turn I can get my home released from the XX/XX/2023 foreclosure sale. 

The computer issues of XXXX are of no concern to me, I have met my financial obligation and need to have my home released from foreclosure immediately. I am attaching the foreclosure proceeding and the copy of the foreclosure payment confirmation made to XXXX mortgage on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Homeowner department ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX XXXX XXXX
Product: Checking or savings account

I was charged {$400.00} by a company named  XXXX   XXXX   XXXX  for a contract on a party bus contract that i am not named on. I paid the remaining balance prior to the party and received a receipt for {$370.00}. The next day i was charged {$400.00} by the  XXXX   XXXX  for overtime and a clean up fee. I was never informed of a charge or knew such charges existed as i was not the direct client and never signed any contracts or agreements. I tried to get a refund from the company and told them you never mentioned a charge for the overtime and clean up. They sent a text that there as overtime and  XXXX  on the bus. That is all the text read and I was charged {$400.00} the next day. Their response to my requesting a refund and that they please work out the charges with their client was " you were informed '. So i told them I would contac t JP Morgan Chase and have the unauthorized charges disputed. JP Morgan Chase  did reverse the  charges.The  actual  XXXX  Bus customer worked out a lower charge of {$300.00} and  XXXX   XXXX   XXXX  then sends a refund to me in the amount of {$100.00} via my debit card, I sent the {$100.00} my friend, their client as they were not my funds and told him to let them know . JP Morgan  reverses the refund from the  XXXX   XXXX  to themselves. On  XXXX / XXXX /  XXXX    JP Morgan  emails me that they are reversing the amount of {$300.00} based on documentation from the company, this created a {$300.00} hole in my account. When i called them i could not get them to send me the documentation given to them, which has to be falsified as i have never met these people been to their location or signed not  one agreement or contract with them. I had to go to a branch and explain this situation and still could not get a copy of the information. I am now waiting 7 to 10 business days for this documentation JP Morgan  used to help this company steal my money. Oh and  XXXX   XXXX   XXXX  was paid the {$300.00 } Overtime and Clean up   fee by their direct client. So they have been paid twice for the same service and will not respond to my emails requesting a refund or a copy of the documentation. i feel helpless in this situatio n. JP Morgan s hould have emailed me a PDF of this proof or at least sent it to the  Branch s o they could review it with me.
Product: Payday loan, title loan, or personal loan

I financed an HVAC system in the amount of {$6000.00} ( even ) with my local provider who used Aqua Finance. The unit was installed and I signed an acceptance form on XX/XX/2019. My first payment was due XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$6000.00} to totally pay off the loan within 30 days. ON the XX/XX/XXXX billing statement the payment was indicated with new interest charges totaling {$88.00}. I telephoned the company and their rep stated that interest is applied from Day 1, despite the fact that I paid the total amount financed within 30 days. I do not believe their practices are legal. 
I have since paid the balance reluctantly, but I'd like Aqua Finance to reimburse me for the interest charges.
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 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Child Support ENF AG/N XXXX is not correct. I would like proof of the information showing or the account removed from my account.
Product: Money transfer, virtual currency, or money service

Recieved a Fraudulent email from Zelle attempting to solicit payment of {$760.00} for Zelle Pay Shopping.from the following email address : XXXX XXXX at XXXX For the following Invoice/BillNumber : XXXX  Your Expenses : XXXX XXXX XXXX  in Bill # XXXX XXXX and Transaction Number : XXXX Email By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ] Customer Service Contact Number : XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 fraudulent transactions with my debt card. 
Total of 6 transactions. 
1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX I did not make these charges! I called the bank the same day they were done ... they emptied my account! 
Now bank returned # 1 and # 2 ... all others were denied! 
I dont know what to do! Its so unfair! 
Help!