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

an account XXXX is XXXX balance on my credit report with all 3 bears but I paid it in a settlement I have proof that it is was Paid for you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

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 I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on XXXX. 
This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by XXXX XXXX XXXX and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have repeatedly placed several diaputes with Equifax to correct an error on my credit report. I do not have a student loan balance with XXXX. My student loan was transferred on XX/XX/XXXX. Equifax refuses to correct their inaccurate and false reporting. This has been reported incorrectly for over 10 years. This is discriminatory and retaliation by Equifax. I do not have an installment loan balance. All of my student loans are paid off thru Public Student Loan Forgiveness plan via XXXX. XXXX has sent me a letter stating that they are not reporting any information to Equifax. XXXX has no record of my loan due to the transfer to XXXX XXXX XXXX over 10 years ago, which the loans were paid off under PSLf by XXXX. I sent the XXXX letter to Equifax to correct their error and Equifax has not corrected my credit report. Please sue for monetary damages on the basis of discrimination and retaliation. I have tried to correct this issue since XXXX XXXX and over several disputes to no avail. Please correct this issue. Equifax continues to lower my credit score everytime a place a dispute. This is retaliation. I have XXXX credit score with XXXX, XXXX credit score with XXXX and Equifax lowers my score down to XXXX and XXXX after each dispute. I have excellent credit. This is discriminatory practices by Equifax. The other two credit bureaus are not reporting this false information on my credit report, only Equifax. Even XXXX has stated in their letter that they are not reporting to Equifax, but Equifax for 10 years has stated and continues to state up to this day that XXXX is reporting every month a student loan balance over {$6000.00} under a installment loan balance and in good standing. The loan was transferred and paid. I have a XXXX balance. XXXX is not reporting anything to Equifax. It is a false investigation, false reports, inaccurate information and clearly discrimination and retaliation. Equifax refuses to correct their errors and continues to ruin and lower my credit scores which hurt my ability to obtain a lower interest rate, if l decide to purchase a car or house. Their low scores has impacted my credit for over 10 years. This should not even be on my credit at all. Its been over 10 years of false reporting and Equifax continues to report false information even to this day. Their investigation is false and inaccurate. The problem is not corrected and they just lowered my credit score again. Ever since l filed over several disputes since XX/XX/XXXX, Equifax has lowered my scores every month for no reason other than retaliation and discrimination. I have called, sent documentation and filed several disputes and nothing is corrected by Equifax. Please investigate, correct and sue for monetary damages! I want my credit report corrected and for Equifax to stop their discriminatory practices!
Product: Payday loan, title loan, or personal loan

I used Affirm to get a line of credit to purchase tickets to a live show in XXXX, GA. This is where I reside. I received confirmation that tickets to the same show except it was in XXXX, NY. The show was postponed indefinitely at the time. I immediately called and notified Affirm before processing the loan that the charge was fraudulent. In response to the fraud, I have requested and never received verbal phone call from the fraud department. To dispute the fraud I am allowed 125 characters which is barely 2-3 sentences. My proof of fraud documents failed to upload because of their website issues. I never was assigned the same agent to address the fraud during the process. The mere fact that I notified them of a fraudulent loan being acquired in my name on the weekend when the loan was not even issued and they failed to prevent it.
Product: Credit reporting or other personal consumer reports

-15 U.S. Code 1681c, Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

-12 CFR 1022.3, Identity theft means a fraud committed or attempted using the identifying information of another person without authority. The credit reporting agencies adding information to my report without my written consent is considered Identity theft.

-Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) disclosure of financial transactions. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifythese issues. 
Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease of 36 months with XXXX XXXX that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from Experian credit that my credit had been impacted for a missed payment. Immediately I contact XXXX XXXX but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I  remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from XXXX trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the Experian and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on XXXX financial for not sending me a bill.
Product: Credit reporting or other personal consumer reports

The 3 major credit reporting agencies continue to report erroneous information on my report. These actions have adversely impacted my credit scores while also making it impossible for me to obtain lines or credit and housing. Their methods of account verification/validation have not been thorough as proven by the CFPB most recent suit against Experian. Please see attachments related to my issues with each company.
Product: Vehicle loan or lease

I have a loan with Honda Financial Service. Loan # XXXX. I make extra payments. The extra payments are not applied to principal. Honda considers them an extended payment. They consider my loan paid UpToDate in the future. The extra payment should be applied to principal. If not applied to principal i should receive interest on the amount they are holding. Honda makes it hard to to apply funds to principal. The focus is to keep paying interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Although Navy Federal has responded to my original complaint. They still did not answer my request for answers. What have Navy Federal done to resolve this matter?

This in reference to the previous complaint. 

PLEASE DO NOT MARK THIS AS DUPLICATE. The generic number does not reach the appropriate party in question. I need the fraud department to call me.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX open date XX/XX/XXXX, closed on XX/XX/XXXX. XXXX XXXX open date XX/XX/XXXX, closed date XX/XX/XXXX. XXXX XXXX XXXX open date XX/XX/XXXX, closed XX/XX/XXXX. XXXX XXXX XXXX open date XX/XX/XXXX, closed date XXXX XXXX XXXX. XXXX XXXX open date XX/XX/XXXX, closed date XX/XX/XXXX. XXXX open date XX/XX/XXXX, closed date XXXX. These accounts have been closed and are inaccurate this is affecting my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial Services has reported a loan on my credit report with incorrect information. The loan states that the loan was settled by me for a amount less than owed which is not true.
Product: Mortgage

MrCooper charged a fee that is not in the mortgage agreement and has a fee disclosure on periodic statements that violates XXXX. 

My bank made a clerical error and sent a check to MrCooper. The bank canceled the check due to the clerical error. When MrCooper received the check they charged me a {$50.00} " returned payment fee. '' A payment for the correct amount was sent prior to the due date. At no time was my account past due. 

The periodic statements indicate that MrCooper may charge a fee " up to {$50.00}, '' the right to charge a returned payment fee is not in any of my mortgage documents. Additionally, the " up to '' language on the statement is a clear violation of XXXX as there is no way to pay less than {$50.00} as this is the first fee ever charged on this account. 

The charging of the fee meets the test for multiple UDAAP prongs : Deceptive : I. The act or practice must cause or be likely to cause substantial injury to consumers. 
The charge of {$50.00} to me and other customers is substantial. 
II. The consumers interpretation of the representation is reasonable under the circumstances. 
- Customers reasonable expect to only be charged fees agreed to in their mortgage documents. Additionally, customers expect when they see the language " up to '' that there are situations where a lower fee will be charged. 
III. The misleading representation is material. 
- I and other customers relied on the mortgage agreement to assume that only fees we agreed to would be charged. Additionally, Myself and other customers would be more careful and try to find alternative solutions if we realized that we would be charged the max fee on the first instance. 

Abusive : I. The act or practice materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service. 
- A fee was charged that was not in the agreement. The " up to '' language made any potential fees seem more reasonable. 

II. The act or practice takes unreasonable advantage of the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service. 
- Customers have no choice in selecting their loan servicers. As such MrCooper is arbitrarily charging customers fees that are not in their mortgage agreement and do not provide customers with a way to pay less than {$50.00} despite saying they charge " up to {$50.00} ''
Product: Credit card or prepaid card

Can someone tell this fraudulent bank that they can not acknowledge then un acknowledge the fraud on my account all of these letters came but no card now wen I finally get my card Im being denied the claims that were approved im confused then they appr Ve XXXX took it from me then they try to say something about a chip for one claim then the next try to say it had been pass so many days must I remind they froze my account until 2021 then started sending me out approval letters letters I ordered my card no card came still they gave me the run around until an angel told me they would make Sure it was done and fixed now this we have been going back and forth for a while now about my account but they are making up anything not to pay out my account and has been making errors as well as stealing funds from me and denying me what Im owed for their lack of protection and buisness profession