23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, and XXXX XXXX XXXX XXXX. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Debt collection

This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( SELF / XXXX with account number XXXX Date Opened : XX/XX/2018 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX and XXXX Credit Bureaus . The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Product: Credit card

Macy 's Department Store charges interest even when a purchase is paid in full. This has happened on XXXX occasions. Both times, when I 've called, they have removed the interest charge, but clearly this is an automated part of their process. The creditor is Department Stores National Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report says : CBNA on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Product: Student loan

On multiple occasions, Navient has not run my bills properly. One example of this being that I was told on XX/XX/2017 that my bill had already been pulled from the Bank. As of XX/XX/2017 there has been nothing pulled from my account. I have tried to figure this out multiple times and they refuse to help. This is after it took them 3 months to notify me that there was a plan I could enroll in to help pay of my student loans. This has happened for both federal and private loans. They are preying on recent college grads who are struggling to survive.
Product: Vehicle loan or lease

I submitted a loan application on XXXX for an auto loan for {$25000.00}. The credit union replied with an increased loan amount of {$27000.00} which was great. 

On XXXX I received an email stating that the loan was approved and that NFCU needed additional details. However, the communication did not have reference a date that my loan would be canceled. I called on XXXX  to figure out how to complete the loan and the bank informed me that the loan was cancelled and that I had to submit an additional application. I submitted the second application was pended for further review. 

I spoke with two managers trying to explain that I believe that I was not treated fairly given that the email did not reference the application would be cancelled. 

I do not believe the email notice meets the notice of incomplete requirements and this negatively impacted me as a consumer. 

The loan was never funded so I do not have a loan number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Mortgage

Loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. New servicer stated it would take system 60 days to stabilize due to the influx of loans transferred from XXXX to Carrington throughXX/XX/XXXX. 
- Comments : Please research the discrepancy listed below. 

Issue : Fradualent, unfair business practice. Conflicting payment amount information listed through online payment portal compared to information available to customer service center system. 
Due to these deceptive practices I am now accessed additional late fees, in jeopardy of accelerated foreclosure proceeding which incur attorney fees and fees to examine property, detrimental erroneous credit reporting delinquency, and possible further court appearance by ex-husband to request the property be sold since it shows late payments. 
The hardship was incurred due to XXXX deceptive and fradualent practices. 
- Comments : Please research the discrepancy listed below. 

Issue : I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX. 

I spoke with customer service rep on XX/XX/XXXX. I was informed I was unable to pay online and had to contact via phone, because the account showed 3 months past due. XXXX did not see that any late fees for been accessed, yet could not explain why despite the system showing missed payments for XX/XX/XXXX. 

Action Requested : 1. ) I am disputing the information disclosed on todays call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing : BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX..

I can not make payment by phone, because customer service says the system would not take 1 singe payment. I needed to make 2 payments since the account was behind. Next option was to pay thru XXXX XXXX..

Action Requested : 1. ) I am disputing the information disclosed on XX/XX/XXXX call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing.. 

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a series of unauthorized hard credit inquiries appearing on my credit report from companies with whom I have no open, closed, or denied accounts. The inquiries are harming my credit score and were not initiated by me or with my consent. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a creditor must have a permissible purpose to access a consumer 's credit file. I never authorized these creditors to run a hard inquiry on my report, and no legitimate business relationship exists. 
Because no credit was extended, no application was completed, and no account was opened, these inquiries were either made in error or without proper authorization. 
I have contacted the credit reporting agencies and the furnishers, but these inquiries have not been removed. I am requesting the CFPBs assistance in enforcing my rights under FCRA 611 ( dispute process ) and 604 ( unauthorized access ) to ensure the removal of these inquiries. 
These unapproved inquiries are unjustly lowering my credit score and harming my ability to access fair credit. They should be immediately removed from all consumer reporting agency records.
Product: Debt collection

IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

XXXX XXXX bank, acct. # XXXX has been reporting inaccurately for over 5 years. 
For an Experian attorney, I 'm making a record here. With XXXX Experian was provided all account statements provided by XXXX XXXX records along with current law, ( FCRA, FDCPA,2009 Credit Card Act, Regulation Z TIL ) will with the following specific supported facts of my claim prove to Experian et al , that the account reporting can not be reported for one more day. 
The report is uncorrectable as the balance, status and all things reported are affected by illegal excessive fees and outright illegal fees period.I paid XXXX dollars to open a XXXX dollar credit line that could not exceed XXXX dollars.I was assessed late fees of XXXX dollars that legally could not exceed XXXX dollars.I paid an illegal internet access fee to pay the first fee payment, that is prohibited The late fees were assessed on XXXX/XXXX/11 and XXXX paid the illegal " pay-me '' internet fee on XXXX paid XXXX dollars in XXXX separate payments prior to XXXX/XXXX/11. 
Experian is reporting an account that is inaccurate for the fraudulent illegal charges of the creditor/furnisher, XXXX OF XXXX XXXX, SD. 
Now, as of this moment, Experian is KNOWINGLY and WILLFULLY reporting damaging information that is illegal for Experian to report for XXXX more day, regardless of any comment, e-oscar update, anything supplied by the furnisher.I suggest if Experian ca n't afford a lawyer they can call the CFPB AND FEDERAL RESERVE toll free at no expense and confirm what I have said.Any competent laymen employee could get this done. 
I will seek judicial redress at some point and this is a record of my attempt to mitigate my damages.
Product: Credit card

Capital One Credit Card company had me go through hassles for hours and scammed me twice regarding their rewards : 1. Capital One was advertising 6 % rewards for XXXX transactions if I clicked on their link and made the transactions. On XX/XX/scrub> 2024, I clicked on the link with 6 % statement credit back and made two transactions- {$2500.00} & {$2300.00} ( total {$4800.00} ). I bought soccer game tickets. The game was on XX/XX/year>2024. Called them a couple of time and every time they said something new and in the end, told me that I did not need to worry ; after 90 days of the event, it would be posted in the account which was never posted. 

Called this evening and I was giving all the illogical reasons. First, they told me it's been six months and they can not help me with that ; then told me it was not a qualified purchase ; then told me it was not from the primary cardholder. I requested them to provide me with a written response of why the transactions were not qualified and they refused. 

2. Similar things happened last year. The card comes with a big annual fee ( {$390.00} / year ). To compensate for that they provide a {$300.00} travel credit each year. I was asking the agent about the expiration date. I was advised I could use the credit until a specific day. However, when I logged in to the website and tried to use the credit on the deadline, it was showing me as expired. Immediately called them and they refused to provide any kind of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX and XXXX XXXX   XXXX
Product: Vehicle loan or lease

I, XXXX XXXX, a consumer, extended my credit to Carmax Inc on XX/XX/XXXX. Pursuant to 15 USC 1679a ( 2 ), a consumer credit transaction was completed to obtain a XXXX XXXX XXXX for personal use. After receiving my vehicle 's Certificate Of Title, and Delaware Dealer 's Reassignment I took my vehicle and documents to a tag shop which was a Pennsylvania Department Of Transportation affiliate to get my vehicle registered. After registering the vehicle it was noticed that XXXX XXXX USA was labeled a Lien Holder in error. I sent XXXX XXXX USA a Debt Validation letter per the CFPB to Validate any alleged debt. XXXX XXXX XXXX responded per the CFPB stating that there was no debt, but CarMax needed to contact XXXX XXXX USA to rectify the error. CarMax was notified and contacted XXXX XXXX XXXX to release the title to CarMax instead on XXXX XXXX, the consumer who is the rightful owner. CarMax is now labeled a Lien Holder on my Title Number # : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I obtained a personal loan from Avant in the amount of {$14000.00}. I agreed to make 35 monthly payments of {$560.00}, with the first payment due on XXXX, XX/XX/2023, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$560.00} plus any unpaid fees, charges, and interest due on XXXX, XX/XX/XXXX, XXXX finance charge would be {$6000.00} if the loan was paid on that schedule. After making on-time payments from XXXX - XX/XX/2023, I called on XX/XX/XXXX to apply an additional {$5000.00} payment to the principal amount. Their customer service representative informed me that I could not make a payment toward the principal amount owed, I could only pre-pay for {$5000.00} worth of monthly payments ( which are currently about XXXX XXXX interest and XXXX XXXX principal ). When I explained that I wanted to maintain my monthly payments ( which have always been on time ) while simply applying an additional {$5000.00} toward the principal amount, the person explained again that no payments are allowed to be made without including their corresponding interest. I protested, explaining the terms of the loan agreement I had virtually signed. I have a copy of the agreement and repeated the language to them from the agreement that allows partial or full loan payoff at any time without prepayment penalty. They still said I could not make a {$5000.00} payment toward the principal amount. I called back later spoke to a supervisor, who also said they could not accept an additional payment from me this month unless it was a pre-payment toward future monthly payments, which include interest. This practice seemed illegal and a clear violation of the agreement I signed, so I got a full loan pay-off quote and scheduled a payoff of the total amount still owed, {$13000.00}. I would rather just pay off the whole thing than deal with their sketchy lending practices.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX  - XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

Navy Fed advised me, as a result, that they did remove my authorization for the USE of the card, however the debt will continue to be reported on CBR, per XXXX on XXXX/17. 
However, being an authorized user was never the issue. The debt was never mine to begin with, there is n't any application from me, in my name, anywhere what so ever! 
So why would n't Navy Fed remove My name from my CBR? This is NOT EXCEPT ABLE AT ALL!!!!!!!!!!!!
Product: Mortgage

My Father XXXX XXXX XXXX and XXXX XXXX are deceased. I, XXXX XXXX, inherited a property with debt owed to Ditech Financial. The mortgage company Ditech went bankrupt. The debt was assumed by Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX, TX XXXX. I have carried insurance on the property since their deaths with XXXX XXXXXXXX XXXX XXXX. I listed Shellpoint as the loan holder and had proof sent to Shellpoint. Without my knowledge, Shellpoint Mortgage force wrote extra insurance on the property and refused to refund the amounts charged even though the proof stated the property address has had continued coverage from 2014 to present. In addition I paid more than the due amout of {$260.00} every month amount of {$300.00}. which added to an extra payment a year. However, they raised the payment on the fixed loan to {$300.00} due to the insurance they unfairly placed on the property all the while having proof of insurance made to them. I call several times and they would not speak to me even though I said I had been authorized person on said loan for the entire time before and after my parents both passed. I resent all death related information and copy of the Will. The said I had to redo the loan with them. I do not wish to redo anything with this debtor nor did my parents have a debt with this company. The property is worth {$48000.00} and the debt is for less than {$10000.00}. I want them to refund all the forced insurance with any interest and all late fees assessed. Due to loan being an assumed mortgage, they should in good faith honor the original payment and not be able to rob someone by upping a fixed mortgage payment out of the blue. There was never a escrow account on this mortgage and they claim there is. I recieved no help the many times I called to straighten it out and because I continued to make the same payment as I have the last decade, Shellpoint stated I was at one point {$1200.00} behind on a {$260.00} loan payment due to insurance and late fees asssed. While I state I paid more than the monthly amount due which is of {$300.00}. It is unfair for Shellpoint to raise the monthly payment on a fixed loan. They further should not be able to assess any fees or interest on unnecessary and unfair insurance premiums. 
I attached a copy of the forced monthly payment increase statement from Shellpoint and also attached is the copy of my XXXX XXXXXXXX document stating on policy of Shellpoint 's interest in the insured property. My phone number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX KY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Employers : The following personal information is incorrect Employers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The inquiry was not authorized XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 5. The accounts are fradulent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX