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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For Transunion/XXXX/ XXXX  XXXX Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX  XXXX XX/XX/XXXXXXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Accounts that have been paid off are showing delinquent on all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX of XXXX.
Product: Credit card

I own a credit line with XXXX XXXX, and Comenity Capital Bank is the bank institution serving that account. I purchased an item back on XX/XX/XXXX which I ended up cancelling and my money should have been reversed back to my account, but the bank is pretting to hold my money for about 60 days. This is limiting my ability to spend on that account. I reached out to the bank and ask for my account agreement and they did not issue it stating that they do not have an agreement to issue. 

The attached picture is showing how much the bank has to reverse in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.
Product: Mortgage

Today, XX/XX/XXXX, I received a XXXX XXXX XXXX alert on my checking account. I have alerts set up to notify me of withdrawals from my account. 

I was alerted that a withdrawal of {$820.00} was deducted from my personal checking account from Freedom Mortgage Company. 
This was taken from my account without my authorization or permission. 

I tried to submit a payment yesterday on line to Freedom Mortgage which I have done for the past 2 years. The auto system said all three times, there was a problem with my on line payment to contact costumer service. I contacted costumer service and was told that the mortgage company had a new system and was having problems excepting payments on line from XXXX users like myself. He refused to take a payment over the phone unless i was willing to pay {$15.00} service charge. 

So I got off the phone with Freedom Mortgage and used my I pad to try and schedule a payment for XX/XX/XXXX. It took my payment for next month. I printed copies of the confirmation for XX/XX/XXXX. 

When I received the XXXX XXXX alert, I contacted Freedom Mortgage immediately and I spoke with XXXX. He said that the system shows all three rejections yesterday and they should not have taken any money out of my account today. 

XXXX also acknowledged that I have a scheduled payment for XX/XX/XXXX which i cancelled today since I am now paid until XX/XX/XXXX. 

My complaint is that the mortgage company went and deducted money from my account without my knowledge. This is very scary and I want them looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following incorrect addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted these companies, but no one was willing to help me.
Product: Student loan

Over the past years, I have always checked the box to allow my loan servicer to give me the lowest payment payment plan under the guidelines of XXXX. They have frequently given me the highest payment amount although I qualified for a lower payment plan. 

On XX/XX/21, I realized this when I received a recalculation of my XXXX plan after recertifying for my XXXX plan for XXXX. I noticed that the amount was very high and so I reapplied again and checked the lowest payment Revised Pay As You Earn ( XXXX ) plan ( instead of letting FedLoan Servicing select a plan for me ). 

I was qualified to enter Revised Pay As You Earn ( XXXX ) and was saving $ XXXX. 

You put trust when you select the box for the servicer to select the payment plan that is the lowest, and I realized I was overpaying for several years. 

The documents I have submitted are only for one year because the documents from past years have been removed from my account mailbox. 

This is a predatory practice and needs to be stopped especially for public service employees, who make less than private employees.
Product: Consumer Loan

I have a {$700.00} loan from XXXX XXXX XXXX owned by QC Holdings. I took out the loan back in XXXX and have been paying {$220.00} a month due on the XXXX of every month. Last month they went into my bank account by electronic check. I called this month to make payment arrangements to pay full amount on XXXX/XXXX/17. I spoke with regional manager XXXX XXXX at # XXXX. I told him I was revoking authorization of the company going into my account. I was told that I could not do this as it was a requirement to get the " line of credit '' and I could not make arrangements and if I did not pay by XXXX/XXXX/17 on XXXX/XXXX/17 the company would send an electronic check to my bank. I contacted by bank who informed me that because it was not posted as ACH it may be hard for them to stop electronic check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Product: Vehicle loan or lease

I leased a car from XXXX nissan on XX/XX/, I was approved for the loan and was told that I will need insurance to insure the vehicle, I purchased business insurance for the vehicle and XXXX nissan could not get my car registered with the business insuance card because it showed my business name, the car salesman forged the insurance card document, took off my business name and left my first and last name, I called XXXX nissan about this and the dealership denied this, the insurance card I sent into XXXX nissan isn't the same insurance card they used to register my vehicle, this constitutes as fraud and criminal, my insurance was closed because of the XXXX nissan forging documents. any forged documents with in a contract makes the contract null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX CREDIT ACCOUNT.
Product: Mortgage

Our loan was sold from XXXX, XXXX XXXX XXXX, to Gregory Funding. Immediately Gregory Funding sent us a default notification when in fact we were never in default. We have been trying to get an accurate payout since XX/XX/2021. Gregory funding has failed to accurately respond to our multiple requests. Initially, they wouldn't accept payments per our previously agreed terms with our old lender, nonetheless I have been making payments to them since XX/XX/2021. 

We have noticed there are many complaints online. We have continued to attempt to get an accurate accounting of the loan balance and had our lawyer reach out to them in early XXXX, yet they have delayed responding in a timely fashion and have accrued late charges which should be nonexistent. From the inception of their purchase they have failed to provide a mortgage statement showing the payment due and an accounting for payments received. Nor have they provided one point of contact, they don't pick up their phone and you have to wait for over an hour to get through to anyone. We have no idea what they have done with the payments received. Despite promises, as of today, XX/XX/XXXX, they have still not provided the needed documentation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, security credit serv ac # XXXX date opened XX/XX/XXXX, XXXX funding ac # XXXX date opened XX/XX/XXXX, finwise/aff ac # XXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! I demand the late payment reported in 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I booked a hotel in    XXXX   XXXX    via email. The date of my reservation was     XXXX   XXXX    2016. I p aid in advance since we were traveling during the peak season of {$2400.00} on   XX/XX/16 .   <P/> The hotel made a mistake and had our reservation a s   XXXX   XXXX   2016.  I am not sure how this happened when every correspondence had our dates o f   XXXX   XXXX   2016 in th e  Subject li ne of the emails.  <P/> As soon as we returned home from our vacation I disputed the  charge. I do not know the exact date but was early       XXXX   2016. When I attempted to dispute the charge with Citibank the hotel that informe d  Citibank  that they had a " no refund policy '' which was not the issue of the dispute. The hotel did not tell them they had our dates incorrect. I did not cancel our reservation ; therefore, I do not believe the " no refund policy '' applies for dates we did not book. We had to find different accommodations for the dates in which we were in  XXXX ,  XXXX . Citibank closed the dispute based on the hotel 's " no refund policy '' even though I explained to multiple people that the issue was an incorrect booking of dates by the hotel. I have spent countless hours on the phone with  Citibank  and have supplied them with all of my emails ( once via fax and once via email ) showing proof of my reservation dates.  <P/> I did ask the hotel for a refund but they said they would provide only a partial refund but then wanted all of my banking information. I found this to be very suspicious and thought the smarter action would be to dispute the fraudulent charge.  <P/> I ha ve spoken to management in the Citibank dispute center and even though the hotel charged me for dates that I  did not book, they tell me there is nothing that can be done.  <P/> Thank you so much for any help that you can provide.    XXXX   XXXX
Product: Credit card

I only owed {$290.00} on my XXXX, XXXX and XX/XX/XXXX statements. I paid {$290.00} on XX/XX/XXXX. I also paid {$290.00} on XX/XX/XXXX. Because that payment was rejected by Synchrony I made an additional payment of {$290.00}, thinking the {$290.00} payment wasn't received per their reps on in the call center. So one of my payments did get declined by my bank because I the first payment of {$290.00} did in fact go through. That is when I called in and I requested the closure of my account. After that balance was paid I made no further payments bc the limit on the card had been paid in full. 
No paper check was issued to me, if you disagree please provide photo proof of the paper check that was provided. Starting In XX/XX/XXXX Synchrony started adding late fees to the {$290.00} that they are saying they didn't get but I have proof from my bank statements showing I did in fact pay them {$290.00}. 
I would like to clarify that my account with Amazon Store Card was not closed due to " dishonored payments, '' as stated in your response. I initiated the closure of this account on XX/XX/XXXX, due to repeated issues with payment rejections and the imposition of late fees. This closure was an action I took to mitigate further financial complications caused by the account. 

Furthermore, the assertion that I did not honor payments is not accurate. I did make payments to the best of my ability, but your bank repeatedly rejected them and applied late fees. I have maintained documentation of these rejected payments, and if necessary, I can provide proof to support my claims. In your response, you referred to a clause in your terms and conditions related to credit reporting. However, you did not provide any evidence that this clause indeed exists on your company 's website. In the interest of transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide verifiable documentation of this clause. 

Moreover, I would like to address your statement regarding the reporting of late payments. While you maintain that you have accurately reported my account history, I must emphasize that the inaccuracies in reporting have persisted. My original dispute stems from late payments being inaccurately reported for several months. I have consistently challenged this inaccurate reporting with supporting evidence and have sought resolution through multiple channels.

As per the FCRA, specifically 15 U.S.C. 1681 section 602, consumers have the right to dispute and seek corrections for any inaccurate information on their credit reports. In accordance with my rights under the FCRA, I urge you to conduct a thorough investigation into the reporting inaccuracies on my Amazon Store Card account.
Product: Credit card

On I Was Denied Access To My Consumer Credit By American Express. 
In Accordance To The Equal Credit Opportunity Act this Is considered Discrimination. I will be Attaching supporting documents to support my claim.
Product: Vehicle loan or lease

I owe JP Morgan Chase XXXX they started in XXXX demanding the balance which was XXXX. I made arrangements to have the full balance paid by XXXX. XXXX they started calling every day asking for a payment, I was told today they will call everyday until they get XXXX they have listed my account as being late four times on my credit report. See below Delinquent Account Reported By Jpmcb Auto Reported On XX/XX/2020 Account Balance {$370.00} Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 2020
Product: Credit card or prepaid card

To whom it may concern I dont know what else to do I been working a way out to my debt with capital one and have enroll in to a program that supposedly is helping me out to get current but I believe it is not good enough and it is not working as I expected to be. 

My debt never goes down the balance is almost the same or doesnt not change much for my 3 capital credit cards I been making payments for the past 2 or 3 months or more just by paying the minimum amount to avoid been charge off because the minimum payment still remains high and it seeems to never go down as I make payments like they say it wont get my account current but it will avoid from getting charge off. 
The balance doesnt seems to go any lower as I make payment the interest seems to be eating me. 
The interest sometimes or most of the time is higher than my minimum payments that is why it doesnt seem to go down much All of my accounts are restricted and I wish that capital one can do more to help me out to come current once for all but the interest is killing me as I make any kind of payment most of it goes to the interest I will never be current? 

Im getting tired of this situation as much as I want to keep my account because I want them I dont wish to close any of them but I do want more help from capital one to wave me the interest charges fees and cash advance fees so that I can become current as soon as possible