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

My XXXX XXXX XXXX loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.
Product: Credit reporting

I had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Inaccurate Negative Reporting CFPB Complaint To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting on my credit report. This erroneous reporting is severely impacting my ability to obtain necessary credit and secure stable housing for my family. Your actions constitute a violation of federal consumer protection laws, and I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if it is not remedied immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a consumer with a written notice of the debt within five days of initial communication, allowing the consumer to dispute its validity. I have never received such a notice, nor was I given the opportunity to verify or challenge this alleged debt. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the data they report. Your failure to properly verify and notify me of this debt before reporting it is a clear violation of these consumer protection statutes. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reinforced that a debt collector can not assume a debts validity without substantiating documentation. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), clarified that debt collectors must have a permissible purpose to report negative information. Given your failure to notify me and verify the debt, your reporting is not legally justified. 
Based on these violations, I demand the following actions immediately : 1. Cease all reporting of this debt to the credit bureaus ( XXXX, Equifax, and XXXX ). 
2. Provide documentation proving that I was properly notified and that this debt is valid. ( provide Forward Flow Agreement, consent to report, etc. ) 3. Immediately update my credit file to remove any derogatory information related to this debt. 
Failure to comply with these requests within 15 days will result in my filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal counsel regarding my rights under the FDCPA and FCRA. 
Please confirm in writing that this matter has been resolved, and all negative reporting has been deleted from my credit file. You may send your response to the address listed above. 
Sincerely, XXXX XXXX
Product: Mortgage

I was working on a short sale with PHH mortgage. We were goin back and forth and they were adamant about the number they were looking for. The agent working and helping me was trying to advocate on my behalf in regards to the liens and NYS finance departments that had to be paid at the time of the closing. The file was closed with no warning in the middle of an offer being reviewed. A denial letter was sent several emails were sent and submitted to supervisors who agreed that the file being closed was unnecessary. upon reaching out to PHh several times they just said already a short sale review was done and another could not be done. This was a home that was knocked down by the New York Building department it is a lot now and I am left with the debt. I sent emails and emails and calls as they sent me a letter saying i had 37 days to appeal this matter and I was appealing from day one they kept brushing me off. It felt defeat and as if they just want to keep hurting homeowners and benefit their pockets now I am going to have a foreclosure on my name because they refused to even re open a file while their employees were the ones who didnt do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a request on items that are no obligation to on XX/XX/20. Recently, just received a response, over 60 days, on XX/XX/20 and Equifax has ignored the request for accounts that were in question and has deleted accounts that were never asked to investigate. 

They removed Dept XXXX and XXXX XXXX, XXXX XXXX accounts which there were no issues with. Removing these accounts, brought down my credit score even more, which was purposely done. 

There's also no sign of investigation on the accounts that were in question ( XXXX, XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

(

3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( 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 ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  XXXX - XXXX
Product: Credit card or prepaid card

on XX/XX/2022, I as the consumer notified Capital One Certified Registered Mail of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # ending in XXXX, in the amount of {$450.00} as of XX/XX/2022. Capital One never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the XXXXFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER CAPITAL ONE send me a check in the amount of the credit balance in accordance with the CFPB.
Product: Credit card

I signed up for the Disaster Relief Program and was told I would not be assessed interest if I paid my statement balance in full on XXXX XX/XX/XXXX ; now they are assessing me interest and refusing to credit the interest charge even though I paid the balance due of {$2700.00} on XX/XX/XXXX, specified on enrollment letter and corroborated by the rep I spoke to XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

9 months ago I received an email about this company changing their terms of service advising customers that are impacted would me contacted. I sent out a request through their contact form ( there is no way to reach a live person ) to get more info I received no response. 

5 months ago I lost access to my account no warning, no way to make payments no info. The request was closed with no response. 

4 months ago I submitted another request a month later someone responded advising they were not able to accept my identification so they were closing my account. My drivers license issued by the state of Texas was provided I dont understand what they meant by that. Also I was 6 months into the loan why is this happening now. 

2 months ago I reached out again advising automatic payments stopped going into my account and I was unable to make payments on their app. The same standard response was given I was not able to be identified and that I should make a payment on my account with no direction on how since the app was not allowing me to. I was reported to the credit bureaus with late payment. 

25 days ago I submitted a complaint advising the app would not allow me to make the 2 months past due payments they caused instead it is forcing me to pay the entire balance. I have received no response and again they reported me to credit bureaus with 2 months late payments. 

There is no way to communicate with this company directly and it takes almost a a month for them to respond if they respond. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, transunion and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, transjnion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX
Product: Credit card

Fraudulent charges were made to my account with XXXX XXXXComenity Bank XXXX XXXX. On XX/XX/XXXX I filed a fraud dispute with them. A letter from Comenity Bank dated XX/XX/XXXX confirmed fraud and states I am not responsible for the disputed balance. XX/XX/XXXX I receive a statement from Comenity Bank with a minimum due of {$30.00}. I call them which they said its interest/late charges initiated from the fraudulent balance. I was told the matter was taken care of and this is their error. I have received XXXX more statements since and an outstanding {$30.00} is now being reported to the credit agencies as non payment which has brought my XXXX XXXX down. I have called them twice XX/XX/XXXX & XX/XX/XXXX to resolve this matter. They refuse to help me and was hung up on with no return phone call.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts on my Equifax profile that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX
Product: Debt collection

arg your supposed to identify this in report as a medical debt which i dont see anywhere so you have to remove according to fair credit reporting act
Product: Mortgage

A refinance mortgage loan application that has take 11 months and still no closing date yet. 
I start the application in XXXX 2015 and a credit report was pulled them, three months went by and another credit report was pulled without my authorization. After that I was promise that it will take another month and we will be closing by them. XXXX came in and the loan officer disappear without even a courtesy note or email. They brought another officer that is trying to joggle all the mess that it was thrown on his plate, still the people that he have to rely on to complete the process seem to be incompetent. The estimates were all so off that they ask me to take a loan against my XXXX to cover the closing cost. The only reason I have not pull the plug is because I am so compromise and I am not feeling well to start all over again. This probably will be my last mortgage process.
Product: Bank account or service

I opened a premier money market account at PNC bank back on XX/XX/2016. I gave my PNC card to the personal banker so I could hook up my card with the account. I told him that I wanted to earn the relationship rate after the XXXX month promotional period ( for this account ). After viewing my account online after the promotional period, I noticed that I was earning the standard rate of .17 % ( instead of the .75 % relationship rate ). I called PNC and reported this issue to customer service/management that I should have been receiving the relationship rate on my account since XX/XX/2016. The reply that I received was that my credit card was NOT hooked up ( thus, not showing the minimum transactions used with the card ). The reply and I received was that she would put in an " interest dispute ''. I finally noticed, on XX/XX/2016, that the rate had been changed to the relationship rate of .75 %. I called PNC bank numerous times trying to resolve this issue. As of XX/XX/2016, I 'm still waiting. Since this was in fact an error on the part of the personal banker at PNC, My account should be credited for the rate difference on my balance from XX/XX/<YYYY> XX/XX/2016. I would like to be treated fairly.
Product: Debt collection

Caller keeps calling multiple times Daily from different numbers with same area code of XXXX ( Massachusetts ). Does not state company name or purpose of call. Continuously asks me for my social security number and to verify the last XXXX digits of my social that they have on file and my address. This is not the normal behavior of a debt collector. I 'm scared and feel as if these people are trying to steal my identity and keep Harrasing for my social security number and personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I sent out certified letters to Experian, XXXX, and XXXX requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items on my credit report.
Product: Credit card or prepaid card

COVID-19 arrived. I wrote a nice letter to Chase, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Marriot credit card. 

They are still charging my account for payments, interest, and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Product: Checking or savings account

I am the Person On Death ( beneficiary ) on 3 accounts from my deceased aunt, XXXX XXXX. A mature CD, a checking account, and a savings account. All 3 accounts were sent to the Wells Fargo XXXX XXXX on XXXX. There was no attempt to notify me. I learned of the accounts via the XXXX from the XXXX XXXX California XXXX XXXX department. The State advised me that I need to claim the funds from Wells Fargo by XXXX in order to avoid the funds being turned over to the XXXX. I have been attempting to retrieve my funds from Wells Fargo XXXX XXXX since the beginning of XXXX. 
I have 3 Case Escalation numbers, as follows : # XXXX, # XXXX, # XXXX. I have had no resolution. I have just been told to wait. All phone numbers and emails provided for Wells Fargo XXXX XXXX simply result in opening another claim. 
I started with the employees at my Wells Fargo branch at XXXX XXXX XXXX, XXXX Ca XXXX. I have spoken with Banker XXXX XXXX, Branch Manager XXXX XXXX, Regional VP XXXX XXXX, and am awaiting a call from President XXXX XXXX. All Wells Fargo employees were extremely sympathetic and tried to help. They all expressed embarrassment and their own feelings of frustration in not being able to reach anyone in their own Unclaimed Property department. None of the Wells Fargo employees were able to contact the Wells Fargo XXXX XXXX department. 
At this point Wells Fargo has effectively stolen the funds. They will not return them to me, the clearly designated POD. Nor will the Wells Fargo XXXX XXXX department even communicate with me or any employee at Wells Fargo. 
I have all documents, emails, copies of correspondence and account numbers, and am happy to provide whatever is needed to facilitate my claim. Thank you for your attention to this issue.
Product: Debt collection

This debt is from an insurance company for a car that was never purchased by myself or anyone in my household. The vin they had on file at the time was a car that wasn't even purchased yet and still on a dealer lot. This is not my debt.
Product: Credit card or prepaid card

I have paid over {$340.00} for an Old Navy CC bill of {$70.00}. However, I am still getting bills! Not only that, but they have reported me to the credit bureaus and lowered my limits on all of my other cards because of their mistake. I have filed three investigations with Synchrony and two prior complaints here. I get no where with XXXX XXXX! The extra charges were supposed to have been removed, but instead they are sending me bills for more money. The E checks from my bank clearly say OLD NAVY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Why they are applying them to my Gap Card XXXX only knows! Especially after multiple investigations and complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  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 a account without my written instructions
Product: Student loan

I was enrolled in XXXX XXXX for the XXXX semester of 2015. I was found ineligible for the XXXX and financial aid was declined so I had to drop out of my classes and leave school. I am now being told that the loan was paid and I owe the money. My transcripts will prove I did not attend school during this time and I would like to see what recourse I can take against XXXX XXXX because since they have reported me as being delinquent I my credit score has began to decline and It has lessened my financial capabilities.
Product: Credit card

I discovered several fraudulent accounts on my Credit reports from Home Depot being serviced by Citibank. I decided to give up and settle on account ending in XXXX  which had a balance of XXXX. 
On XX/XX/XXXXXXXX  I made payment in full with my debit card. The payment cleared my bank they are now refusing to provide a paid in full letter, acknowledging they received my payment and report XXXX balance to credit bureaus causing me prejudice to my credit report.
Product: Debt collection

I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. 

On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. 

I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.