23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

paying on my loan for over 72 months.. and interest continues to compound.. the loan I am under will have me paying for an additional year This loan has continued to occur miscellaneous fees that has me paying an interest rate owing additional money over the life of the loan this company practices should be illegal.. I will be taking a copy of my loan to A lawyer XXXX morning to find out my rights.. I am looking into suing this company to protect others that they maybe using these predatory practices on. Attached document shows loan should be completed as of XX/XX/XXXX.. I currently still owe XXXX as of XX/XX/XXXX when I called the creditor.. the explanation was because of late payment being a month behind they have charged me additional interest onto the loan each Month.. I am willing to talk to the media.. I will be speaking with jag and allowing them to use my payment history to see if they can have this company listed and banned due to their as one of theirpredatory loan practices to protect other young soldiers who may not have an understanding of loans and do not understand what companies like this does I contacted Regional Acceptance corporation in XXXX and in XXXX and they would not cancel the fees!
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



AXXXX 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

Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXXXXXX XXXX XXXX These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!
Product: Debt collection

On XX/XX/2022, WILLIAMS & FUDGE INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA WILLIAMS & FUDGE INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX. XXXX Opened Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : " Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.
<P/>
I work in a bank and this is as wrong as it comes.
<P/>   XXXX   XXXX
Product: Debt collection

Wakefield and Associates is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit card

I reached out to the company due to receiving " payment settlement '' emails from XXXX through XXXX. I spoke with a representative on XX/XX/XXXX to set up a monthly auto payment agreement that would allow me to pay smaller portions of my balance. At the time the monthly auto payment was set up, I was told that I had to make a one-time payment on that day, then the monthly auto payment would start in XXXX, around the XXXX of every month as I requested. I was also advised that the account would show " closed '' for XXXX months until the agreement was done. My payments were successful for the first two months, then I noticed nothing had been deducted for XXXX. I contacted the company and the representative stated that I failed to make payment even though I explained I was already approved for a monthly auto plan. Now, this is hurting my credit tremendously and I want this removed from all three credit bureaus : XXXX, XXXX, and XXXX immediately!! I will seek litigation for this if it is not immediately updated.
Product: Mortgage

I applied for the PMI cancellation process in XX/XX/2022. I mailed a check and completed the required paperwork to have my home reassessed to see if I would qualify for PMI cancellation due to major home improvements. The check was cashed by Cross Country Mortgage and a real estate company reached out to me to schedule an assessment in XX/XX/2022. I called back the real estate agent the next day, he stated that my home was no longer in their system to service and I had to recall my mortgage company. I recalled Cross Country Mortgage to have this rescheduled, and they stated they would take care of it. Since then, I have recalled and tried to resolve this approximately 2-3 times per month since XXXX and have spoken to many different customer service representatives and two supervisors. All times they have stated that someone would reach out to me via phone and/or would contact the real estate office to get me back on the list to have my house reassessed. All times no one has reached out and I have had to re-call cross country mortgage to file a new claim. My claim has been closed multiple times without being resolved. My application had already been submitted and check sent ( this was cashed by the company in XX/XX/2022 ). Cross country has tried to only remedy this issue by sending me a new application and instructions to repay in the mail. I speak to live representatives who state that this does not need to occur and they already have my application, but no one ever follows up or calls as they stated they would. At this time, since I have been actively trying to resolve this since XX/XX/2022, I worry their negligence to act has cost me additional monthly PMI payments that would have been canceled as well as waiting for the market for my home value to drop. Thus, their negligence has caused a change in whether or not my home would qualify.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$81.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX Balance : {$0.00}
Product: Prepaid card

I have 2 gift cards, one XXXX for {$50.00} and one XXXX for {$100.00}. They claim to be usable anywhere an XXXX or XXXX card are accepted. However, when I tried to use them at multiple online stores, the transactions would not go through. In the case of the XXXX card, I was billed {$0.00} each time my transaction was declined. Customer support for these cards is completely automated and do not allow me to explain the issue, rendering the support number essentially useless.
Product: Credit reporting or other personal consumer reports

In this follow up I would like to express my extreme frustration and dissatisfaction regarding the ongoing failure to remove fraudulent items from my credit file, despite so many documented attempts to resolve this issue. The persistence of these fraudulent items is unacceptable and requires immediate and effective action. In regards of my previous attempts to address the fraudulent items on my credit file, they remain unresolved. This ongoing issue is causing significant distress and financial harm, and it reflects a serious breakdown in the processes designed to protect consumers from such errors. Several items on my credit report are outdated and should have been removed in accordance with credit reporting laws and regulations. The continued presence of this information is causing significant distress and financial harm. Through this, I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO NOT GIVE ME ANY PROPER METHOD OF VERIFICATION ACCORDING TO SECTION 611 AFTER PERFORMING A RREINVESTIGATION THIS WILL BE USED AS PROOF OF WILLFUL NON-COMPLAINCE AND INCASE OF PROOCEEDING TO LITIGATION. 

ATTACHED>>>>LETTER FROM XXXX XXXX  STATING THEY DO NOT BY LAW HAVE A COPY OF ORIGINAL CONTRACT WITH MY SIGNATURE MAKING ME OWNER OF THIS FRAUDULENT DEBT OR ACCOUNT>>>>ALSO ATTACHED POLICE REPORT AND FTC IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last XXXX letters I've written. 

I have no other choice but to take legal action against them as it has caused me real financial harm and distress. 

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question
Product: Debt collection

On three separate occasions i sent debt validation letters to Midland Credit Management, the FCDPA has outlined laws regarding debt validation letters, and part of it states that once a creditor recives a debt validation letter, ALL ATTEMPTS TO COLLECT A DEBT MUST CEASE UNTIL THE DEBT IS VALIDATED, AND THEY CAN NOT DIRECTLY OR THROUGH THIRD PARTY CONTACT OU. in my matter midland credit has circumvented the process by taking civil action against me. This is deemed as a third party attempt in that midland is seeking to have the courts to order me to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.
Product: Debt collection

Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )
Product: Mortgage

Penny Mac bought my loan last XX/XX/XXXX, this XX/XX/XXXX they raised my escrow payment from {$300.00} to {$380.00}. my taxes went up around {$40.00} and insurance {$30.00}. all together {$70.00} does not meant i should have to pay Penny Mac an extra {$70.00} a month. At this point it is taking 3 of  my 4 checks to pay my house payment. I do not understand how this is legal to ask for a lot more money than my actual taxes and insurance are. Also I have to pay a mortgage insurance I do not understand why. please help more or send me to someone that can.
Product: Credit reporting or other personal consumer reports

Hi there, I recently reviewed my credit report ( TransUnion / XXXX / XXXX ) and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XXXX ). I'm now requesting you investigate this account and update these payments to paid on time status immediately. Thank you in advance for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of Monday XX/XX/2022 I contacted Experian to delete an inaccurate or incorrect address from my consumer report. 

The address was XXXX XXXX XXXX XXXX XXXX which I looked this address up and this does not exist. 

I expressed this to the Experian representative she told me it was being reported by a creditor and in order for Experian to delete it I had to talk to the creditor to change the address with them then experian could delete the address XXXX XXXX XXXX XXXX XXXX 

I told her this address would take you no where because I typed it in and nothing comes up. From there she stated that there were some errors on my account and also said she couldnt tell me exactly what the errors were due to company policies. 

I then reiterated to her that we probably see the same issue which is the address stated previously in this form. She then told me it should be deleted on the Friday of XX/XX/2022 and she gave me the case number of XXXX. 

I was also was told to call back and told to give the new representative the case number to check on the status of the situation. When speaking to the new representative she told me it could not be deleted due to it being tied to an open account even though the address does not exist. 

Im confused as to how theyre knowingly allowing a debt collector ( XXXX XXXX  ) to report inaccurate or incorrect information to my consumer report. Furthermore this debt collector reporting this incorrect or inaccurate information to my consumer report is only being reported to experian. Im also confused to how this debt collector ( XXXX XXXX  ) is only reporting to Experian credit reporting agency this incorrect or inaccurate debt collection account.
Product: Checking or savings account

The company XXXX XXXX XXXX sold us furniture and related items on XX/XX/XXXX for {$3000.00} dollars. They delivered different furniture than what we picked out, They will do nothing!! and claim I signed a sales order that states all sales are final, no refunds. There sales order # XXXX is a forgery and never signed by me. I have filed a complaint with my bank The bank stated onXX/XX/XXXX by " XXXX '' there claims representative the bank has no liability to help me. Wells Fargo has a responsibility to protect me from fraud and missrepresentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022.
Product: Debt collection

Received a collections letter from AWA Collections dated XX/XX/XXXX. I called and asked for an itemized statement as all bills associated with this medical treatment had been satisfied. As of today, XX/XX/XXXX, I have not received any statements. Today, XX/XX/XXXX i received a notification that I have a collection on my credit. I called again and asked for the statement. I was told that a statement had to be requested in writing. I said i would submit the request but need to have this account put into dispute and removed from my credit. I was told that would not happen. 

Billing source : XXXX XXXX XXXX XXXX Balance : {$160.00} AWA Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really disappointed. I already sent you few complaints about there accounts. I pulled update and you didnt take it off from my name. Im sure that someone have my personal information
Product: Credit reporting or other personal consumer reports

These accounts aren't mines I completed the ftc just like XXXXXXXX XXXX  stated. Please help me with these two accounts!
Product: Credit reporting or other personal consumer reports

My information was breeched a few years back when I went on vacation on the XXXX XXXX XXXX. I've been trying ever since to get my credit and other information back on track. This XXXX card is not mine and I need them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is a fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX XXXX # XXXX
Product: Checking or savings account

On or about XX/XX/XXXX - I opened the Wells Fargo Everyday Checking account following a promotion which states that : After having 3 direct deposit of {$500.00} or more within 120 days of account opening, I am eligible for {$200.00} cash back bonus. 

end of XX/XX/XXXX, end of XX/XX/XXXX and end of XX/XX/XXXX - there were 3 separate payroll direct deposits of {$500.00} into this account. 

But Wells Fargo hadn't provided my cash back bonus. 
I have kept my minimum balance of {$1500.00} so I have met all the conditions but I haven't got my cash back bonus of {$200.00}. 

when i inquired this last time - i was given the excuse that " I reviewed your account and our records show that the promotional incentive couldn't be paid because the Tax Identification Number ( TIN ) on file for this account couldn't be verified. '' This is not accurate as I have existing relationship with them - credit card, business checking and mortgage. at the time of account process - it did asked me to login online and complete the process.