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

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navient you furnished an alleged transaction on my XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not rely to me stating that you are furnishing accurate information because we both know your not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX XXXX Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received some letters regarding some inquiries with XXXX XXXX, American Express, and XXXX XXXX, which I have no idea where these inquiries derived from because I did not apply for them.
Product: Credit card

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to dispute a fictitious account on my credit report. The account is for XXXX, and it has XXXX late payments and a balance of {$1900.00}. The balance was updated on XX/XX/2023. 

I have never opened a XXXX account XXXX I have never purchased anything from XXXX, and I have never missed a payment on any of my accounts. I believe that this account is fraudulent. 

I have attached a copy of my credit report to this letter. The XXXX account is listed on the report by XXXX, XXXX, and XXXX. 

I request that you investigate this matter and remove this account from my credit report. I have attached a copy of my driver 's license and a copy of my utility bill to this letter as proof of my identity. 

I have also filed a dispute with XXXX, XXXX, and XXXX. I have requested that they investigate this matter and remove the XXXX account from my credit report. 

I am requesting that you expedite your investigation into this matter. I am concerned about the impact that this fraudulent account is having on my credit score. I have recently applied for a mortgage, and I am afraid that this fraudulent account will prevent me from getting approved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX i purchased a XXXX XXXX XXXX that had engine, motor, tire, sensor issue when i pulled off the lot. the engine light kept coming back on after repair and finally the engine blew and drive time never responded to my questions onlemon laws. i rented cars because the car was always disabled
Product: Vehicle loan or lease

I purchased a new car through XXXX XXXX in XXXX, NY. My loan was through Nissan Motor Acceptance Corporation. It was a disaster from the beginning. I went to make my first payment, and they had absolute no record of me, my car, or my account. So days were passing and I was so nervous I would be late for my first payment. I called at least ten times to the dealership to find out what was going on. Nobody k ew a y thing, and they explained the man who sold me the car wouldn't be back for three weeks. I had no choice but to wait, because I had no account with NMAC. So finally XXXX gets back, get talks with the manager, and they discovered the finance manager never submitted my paperwork. Now it's two months in at this point. So I was furious! They were extremely apologetic and said this is a one in a million chance of this happening. Now mind you, if k hadn't said anything, I could have had a free car! But I do the right thing. So that was straightened out and my account was created. I advised them that they better not charge me late fee. So fast forward to a month later I was on my lunch break at work. I ran to the gym, O my way back I got pulled over for not signaling. It was brought to my attention that my license was suspended from a ticket years ago. Now mind you, if I was suspended how did I get Insurance at the dealership through XXXX in my name?!?! So the police said they had to impound the car. They gave me a card with a handwritten shop that my car was being towed to. No such shop exists! For two weeks, at {$150.00} a day, I spent trying to find my car. Finally I called the dealer, explained what happened. They told me they would just buy the car back, and I would owe them {$1000.00} and they would resell it. They said it would not go on my credit, because of all the confusion I had with them, they would do the is for me. I was grateful and went on with my life. Well here we are, with this one my credit as a charge off! I called NMAC and they said they never picked the car up, in fact it was sold at an auction for {$9000.00} and I was responsible for XXXX XXXX.i explained the deal we had, and she said to call them. Well I've been calling for weeks, no returned calls, nothing!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I checked my XXXX credit report and noticed an inquiry by Midland Credit on XX/XX/year>. I did not authorize a credit inquiry by Midland Credit. I do not have any active accounts with Midland Credit. I do not want them to view my credit report ever again. I contacted Midland Credit via Web Chat after noticing this unauthorized credit inquiry to ask why someone had accessed my credit report on XX/XX/year>. The representative identified herself as XXXX XXXX and could not tell me why this inquiry had occurred. I have included the correspondence from the chat as an attachment.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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
Product: Debt collection

I was contacted multiple times by phone by a company calling itself " Wakefield & Associates ''. When I answered their call about six months ago, a man named XXXX told me I owed roughly $ XXXX {$250.00} which I had never been notified of. I requested that they send a debt validation letter but they said they already sent one and said it was sent to some po box I didn't recognize. I gave them my actual address so that they could re-send the validation letter but I never received the letter. They stopped calling after that so I assumed it was a scam. 

Then on XX/XX/XXXX, I noticed that they put a hit on my credit report. I disputed it and it was removed from all three credit services that day. 

Despite all this, I just received another call from XXXX at Wakefield & Associates today.
Product: Mortgage

I am writing to formally complain about the fee associated with setting up an auto draft for bi-weekly payments. 

To set up bi-weekly payments on the mortgage, the mortgage servicer ( Mr. Cooper ) charges a {$2.00} fee each time a payment is made. This fee is charged each time a bi-weekly payment is made, so monthly, the amount comes to {$5.00}. On months where three ( 3 ) payments are made, the fee being charged is {$7.00} fee. This charging of a fee to make bi-weekly payments seems like a UDAAP Violation, as I am ultimately being charged a fee to " pre-pay '' my loan with bi-weekly payments. Furthermore, this fee would fall into the CFPBs recently expanded definition of a junk fee. When past servicers serviced this loan and past servicers include XXXX, who is NOT a bankthere was not a fee for this service. 

My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably abusive to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a single monthly payment. While I understand there could be a fee if you called in to make the payment on the phone versus self-service online, the bi-weekly payment is an auto draft agreement. 

An additional consideration is that Mr. Cooper services over XXXX XXXX consumers. If we took a conservative estimate of 45 % of customers using a bi-weekly payment structure, then Mr. Cooper is easily charging XXXX XXXX of those customers the fee. Based on an annual fee of {$65.00} per customer, Mr. Cooper is netting over {$100.00} XXXX a year on this junk fee alone.
Product: Checking or savings account

XX/XX/XXXX I received a receipt from a hotel that stated they returned my deposit of XXXX, Chime states there was no deposit returned. Half the time I call the agent barely speaks English or understands what I am saying. They also state that they are escalating a dispute claim but this never happens. I call weekly and have got nowhere. I ask them to review prior notes from past calls and read them to me and they always say that there are none, which is odd because I call every week.
Product: Debt collection

THE COMPANY CERTIFIED CREDIT & COLLECTION, PURCHASED A DEBIT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THIS TRANSACTION. 
ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that XXXX the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Equifax, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from Moneylion advising me of the adverse actions they are going to take on XX/XX/XXXX of selling off my investments to apply the profits to my installment loan. This legal notice states I owe {$0.00}, however they have placed me in collections for roughly {$100.00} that is adversely affecting my credit score. This amount is less than the amount of the loan I defaulted on because on XX/XX/XXXX my investments were sold and the profits of {$280.00} was applied to my loan. My issue here in addition to the negative credit reporting is that I was never provided with legal notice of intent to sell off my investments if I did not make a payment to bring me to current status on my loan payments. This company illegally sold my investments prior to allowing me the opportunity to bring payments current.
Product: Credit card

My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts & Equifax said theyre not reporting on my credit report so why is it still there?
Product: Debt collection

We have been contacted repeatedly along with our family members and place of employment. They have made multiple threats regarding coming by our place of residence to arrest, serve papers, file court documents, etc ... 
They will not provide any detail and we have checked our credit reports which there is nothing showing as an owed debt. 
We would like to file formal harassment charges. 
Please have them stop all communications to family members, employers and me. 
We have requested this with Cordoza directly several times but they just hang up and say they are coming to our house. 
Stop the threats!
Product: Credit reporting

Some one using my information has made a huge purchase in XXXX XXXX. They also did not live in XXXX XXXX in XXXX. I have never been issued a credit card. My bank ran credit check in XXXX and told me I had a thin file. No credit but now I find out. Somebody is getting credit in my name, but I ca n't see the report.
Product: Mortgage

On XX/XX/23 I called and asked for mortgage statement instead I received the amount that I owed instead of requesting information. I did explained that already have financial arrangements for mortgage and really needed form due to deadline for mortgage grant company. I felt racism and trying to kick a hurt person down due to whatever is going on in their daily life. When I was treated that way It made extremely depressed. I didn't need to be reminded I just called for some help during my hard time in life. Lakeview loancare is the ones that sent hardship mortgage grant to me but just didn't seem she was interested in helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Please delete asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : 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 As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX Account Numbers XXXX  as a charge-off in the amount of {$5800.00}. 

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk. 
Although the original creditor has already received a tax break for writing the account off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the account continues to be reported as a charge-off on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as a charge-off on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress.
Product: Student loan

My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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