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

Dear Consumer Financial Protection Bureau, I am urgently seeking your assistance with the incorrect reporting of a late payment and subsequent delinquency on my XXXX XXXX account with XXXX XXXX XXXX XXXX ( XXXX ). This issue has severely impacted my financial well-being. 

Despite having auto-pay set up, I was not notified of cancelled payments from my bank account nor warned about late or delinquent status. My email account, where notifications were allegedly sent, was hacked and inaccessible for over a year. Despite my repeated attempts to update my email address with XXXX XXXX, they failed to update their records until I manually corrected it last month. According to the XXXX XXXX agreement, I should have received notifications via phone calls, emails, and physical mail. I received none of these communications. Additionally, I was not notified within 21 days as required by Maryland Commercial Law Article Subtitle 9 and Section 16 of the Maryland Consumer Protection Act. I only discovered the late payment after 60 days, when I noticed a XXXX decline in my credit score. 

Since XX/XX/year>, I have sent four formal dispute letters to XXXX XXXX, with the latest letter sent on XX/XX/year>. Although I have tracking numbers confirming receipt of these letters, XXXX XXXX claims they did not receive the last letter. This claim is troubling and indicative of their negligence. 

I also disputed this issue through XXXX, Equifax, and XXXX. Despite my efforts, after 60 days, these credit bureaus reported the errors as accurate and stated that they would remain on my credit report for the next seven years. 

Furthermore, XXXX XXXX has been reporting my monthly payments as {$0.00} on my XXXX credit report for over a year, despite my consistent monthly payments. This continued inaccurate reporting further exacerbates the negative impact on my credit profile. 

This situation has devastated my ability to secure any form of credit. I am now unable to get approved for even the smallest credit lines, such as a XXXX credit card. Despite promptly paying all missed payments and additional amounts as soon as I became aware of the issue, the negative item remains on my credit report, and XXXX XXXX has refused to take corrective action. 

The actions ( or lack thereof ) by XXXX XXXX appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ), which mandates accurate reporting and proper notification. Additionally, their failure to notify me in a timely manner violates Maryland Commercial Law Article Subtitle 9 ( Md. Code Ann., Com. Law 12-901 et seq. ) and the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law 13-301 ). 

I urgently request that the CFPB intervene and instruct XXXX XXXX to immediately remove this inaccurate and harmful item from my credit report. The ongoing impact of this situation is severe, and I seek your prompt action to rectify this injustice. 

Thank you for your immediate attention to this critical matter.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

I have address on that account that I never lived at, and i want them to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

In accordance with the Fair Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

I am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. 

I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. 

This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. 

Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. 

They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. 

But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. 

They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! 

I am reattaching my letters, I am sure you can sense the frustration I am going through
Product: Debt collection

COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX   at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental. 

Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX   Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX  for {$330.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX T MOBILE ) XXXX Balance XXXX {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

After receiving multiple invitations for a personal loan with this company I finally decided to see the terms on XX/XX/2021. The application process collected TONS of personal information, even my bank account details. This made me uncomfortable but I was under the impression this was the only way to see my odds of approval. In the end my application was denied and after chatting with representatives, was assured I would be removed from marketing communications. I also had to wait 36 days ( XX/XX/2021 ) for confirmation that any personally identifiable information not be sold to third party companies as is my right according to the California Privacy Law ( CCPA ), which I never received. 

Today is XX/XX/2021 and I am still receiving harassing mail for pre approved offers from Payoff by happy Money. This exacerbates my concerns about my personal data being sold, even after being denied a product from this company. I feel taken advantage of and lied to. Payoff by happy money provided a predatory experience and I dont recommend anyone to do business with them.
Product: Checking or savings account

I tried using my card Friday XXXX, XXXX  to pay for my parking spot and it kept being declined. I called Citi Bank to find out what happened after XXXX hour waiting on the phone they told me they had frozen my account for no apparent reason. It has been almost XXXX weeks now and after several attempts to understand what is happening they keep transferring me from XXXX department to the other without a clear answer. I could not change my direct deposit in time before my last pay day on Friday, XXXX and they can't either confirm if they have my money or not. I spoke with them XXXX times today and when asking this guy XXXX just to confirm my direct deposit status he hangs up the phone on me. I have been XXXX  days without access to my well earned income and Citi Bank makes no effort whatsoever to provide you with any explanation or solution. They keep telling me I will receive a letter in XXXX to XXXX  days but what should I do in the meantime while I have to pay for my expenses digitally. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to BMWFS several times via mail corresponds ( attached ). I want to start off my saying Im honored to be a part of the BMWFS  family and would love to continue proving my loyalty to BMW by purchasing another vehicle. 

Having said that i have been treated poorly by BMW and Im having an issue stomaching the idea of getting another vehicle with BMW after being treated poorly. 

In the summer of 2019 i was in XXXX for an internship. I made a mistake i regret and take full responsibility for which is not setting my account on AUTOPAY. My payment was over 30 days late. BMWFS reached out to my emergency contact and he was able to take care of the balance in full. 

Ever since this incident occurred i placed my account on autopay and have not missed a payment. 

BMW  wants to XXXX XXXX XXXX for making one mistake and paint my entire account as negative. Thats unjust and not fair. Im asking for a kind gesture. We all make mistakes.
Product: Student loan

I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT. NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute two inquiries on my account. The first inquiry is by Credit Plus/XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only Credit Plus on the inquiry. These were made without my consent or knowledge. The company XXXX XXXX XXXX XXXX was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from Credit Plus on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from XXXX XXXX  XXXX on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by XXXX and Credit Plus. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.
Product: Payday loan, title loan, or personal loan

Recently, my line of credit was charged off after months of non-payment. However, I would reach out to this company to inform them of my financial struggles due to inflation. I inquired about programs to help me keep my account from being wrote off and reported to the credit bureaus. Unfortunately, everytime I would call nothing was offered to help me get back on track to making my account current again. They would tell me that because my account was so delinquent that it was not eligible for any program. At some point, I even asked a representative how long before I would be notified when the account was about to be charged off, so I could make sure to make some kind of payment. The representative responded that the account did not alert of when it would close. Now, I have been delinquent in the past before my credit limit was increased. Nonetheless, I am quite disappointed that this company did nothing to help me in the midst of my financial struggle. I feel that after getting my credit limit increased, they wanted to put this account into collections to collect on a higher amount. I even told them before the charge off happened that if it went into collections, I could not foresee when I would be able to pay it. It just made better sense to me, if they would have offered me assistance to keep the account open until it became current again. I always got correspondence through the mail about how past due I was. I even got phone calls from them, stating that it was urgent to call about the account. However, they never once stated that I needed to have a payment made with a date stating it would be charged off. Now, I understand that we all sign contracts when getting anything, whether it be a loan, line of credit, etc. Yet, it is in no way a person will know their financial situation in the future. And again, a representative stated recently that they could not give an answer of when the account would be charged off. But anyways- lastly, one of representatives called me the day of the charge-off, which was XX/XX/2023 to be exact. They called and THEN left a voicemail saying I was eligible for offers on the account. I called back and spoke to the representative. At first, they claimed I could pay a reduced monthly payment but then suddenly informed that the account was charged off that day. XXXX is how I came across this company. They referred me to get financing through this company to be able to pay for cosmetic sessions ( which, I would go for laser hair removal treatments ). I even recently searched this company through the XXXX  and they have horrendous reviews. Now, I have to look forward to my credit dropping. Something I kept trying to prevent if they would have found an alternative for me earlier. I already know the collection will be through XXXX XXXX. My sister got debt too. This has been quite the experience for myself as the consumer. I'll know to never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following shows several accounts that's been opened under my name and social security number as a result a fraud! TransUnion have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus ( Equifax, XXXX & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account num XXXX Report TransUnion credit bureau XXXX l owe them money .which l have spoken to this fraud dept. .whom agreed information on the file doesn t match .instead of XXXX XXXX XXXX to stop. reporting to the transunion whom agrees l don't own .my information doesn't match. That the reason l haven't heard any information to Pay. Cause they aware l l don't owe this company XXXX XXXX firm spoke to fraud department whom stated social security num name doesn't match. And. The company never provided bill. To TransUnion
Product: Mortgage

On XX/XX/2019, I notified my mortgage servicer, Mr. Cooper ( formerly Nationstar ) that there was a very large overage in my escrow account that was missed by the prior servicer and that I wanted it back. The prior servicer also did not transfer over my HOI info correctly either, so I just requested to cancel escrows since I had put down 25 % and was entitled to waive them at the time of closing. They denied my request under the reason that my account was less than 2 years old. So I said fine, fix my escrow issue then. They opened a case to do an out of cycle escrow analysis that day ( XXXX ). It is now 49 business days later and I have heard nothing. They are now in violation of the Real Estate Settlement Procedures Act.