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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA S

ECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA
Product: Mortgage

I am party BORROWER In a consumer credit transaction with the institution as LENDER. The institution has apparently violated the truth in lending act by disclosing a grossly inaccurate APR and finance charge on the institutions provided settlement disclosure. I calculated the APR using the equation for APR= ( Finance charge/Amount finance ) X ( XXXX Term days ). Using both amount finance amounts interchangeably I came up with two APRs. One was 2.63 % and the other 2.39 % while the disclose APR was 5.193 % making the disclose APR overstated. For the finance charge, I used the equation finance charge= ( APR x Loan amount ) x ( loan Term XXXX ) Which Totaled {$280000.00} and {$300000.00} while the disclosed finance charge stated was {$170000.00} making it appear understated. Loan was taken out XX/XX/year>. And either case the error is far outside allow tolerant. Being that this transaction is closed, the lender has committed a heinous crime with foul play, and uncivil intentions from the beginning which ultimately deceived me out of my family home I work hard for.
Product: Credit card or prepaid card

Comenity Ba nk,  XXXX   XXXX  credit card continues to be a problem. They do not show an upcoming payment in their website ( account management ), and then with only a few days advance notice, demand a payment which they show as " past due. '' On   XXXX   XXXX   I wrote to them, asking when my next payment would be due and for how much. They responded and said they did n't know. Now, today,   XXXX   XXXX  , I logged into the account and they show the payment as past due and request {$380.00}.     The payments they request are excessively high and beyond the amount that I can pay, both for this card and the  XXXX   XXXX  account ( approximately 10 % of the total balance ). They do not show a payment due, and then only show a payment as past due, charging additional fees and penalties. Using this scheme, I will never be able to pay off the credit card and I can not keep up with these payments.     Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The debt shows dispute resolved and {$0.00} due and and account not disputed - their information is not consistent. Who really handles the records to clear the issue? 

XXXX XXXX XXXX/Chargeoff {$780.00} Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Dispute resolved ; customer disagrees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised of these errors previosly. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX XXXX XXXX XXXX Closed Account 8 Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 1681 I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
Product: Mortgage

The mortgage servicer Select Portfolio Servicing, Inc. ( SPS ) provided a trial modification dated XX/XX/XXXX. In which the first trial payment was to begin on XX/XX/XXXX. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) was made aware on XX/XX/XXXX, that the our financial situation had changed and the trial payment of {$2900.00} would not be affordable and we requested a new review for a lower payment because of the with the current information regarding our lower income. 

XXXX ) Select Portfolio Servicing, Inc, ( SPS ) however provided a denial letter of modification and then stated that would not review the file for a reduction in monthly payment as previously stated. Instead, SPS entered a sale date for XX/XX/XXXX, and continued to refuse any and all options for loss mitigation assistance. 

XXXX ) We however never turned down modification but requested a second review which SPS stated they would provide. SPS stated they would be willing to look at other options However, they have to this date continued to deny any assistance review. I believe SPS has decided to foreclose on our home because they think they can turn a profit and are stripping us of our equity, by forcing a foreclosure sale date. 

XXXX ) The actions of Select Portfolio Servicing, LLC are consistent with XXXX XXXX. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street ReforXXXX and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX ) SPS has established a history of misleading practices pertaining to CFPB guidelines and Dodd-Frank Act which I have detailed in a Qualified Written Response.
Product: Checking or savings account

On XX/XX/XXXX I entered the bank & was racially profiled just because of my cash balance being over a certain amount than the average customer. I have been a Chase customer for years & have not had this poor experience until now. I had a loan that was deposited into my account which had did a credit check under my name and SSN and Chase tells me we need to verify the funds and where this loan came from that I have to pay back under my name ( sole proprietor ) I was approved for it. I was told by the bank teller to provide an XXXX # and my business name. I provided everything they asked for ; went above and beyond. I went into the bank again on XX/XX/XXXX my account is still restricted! I also called the number for the Fraud Dpt that a banker from Chase private client gave me and an XXXX who was very rude on the phone, spoke over me while I was speaking and he hung up on me after waiting over an hour to speak to him said that my tax return is not needed. But the banker XXXX XXXX who assisted me inside the branch asked me for my tax return. I entered the bank again on XX/XX/XXXX and my account is still restricted. With all this run around and waste of my time I just want my bank accounts closed and I will do business elsewhere.
Product: Vehicle loan or lease

My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX XXXX  XXXX XXXX  Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the XXXX XXXX Bank branch and made payment on this card through the bank officer and teller from my XXXX XXXX savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my XXXX XXXX XXXX  credit card account. 
I Informed this to the XXXX XXXX bill pay department over phone where all my credit cards, check book, with US Bank, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and XXXX XXXX Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of US Bank Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation.

Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect.

US BANK Credit card had been in deferred payments due to COVID-19 Virus  epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments.

S
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted transunion in regards to my Nelnet student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact Nelnet they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Product: Debt collection

XX/XX/2019 XXXX This is not my debt. I have contacted them several times. Nothing has been resolved. 
This is not my debt. I have no idea where it has come from
Product: Checking or savings account

Due to ongoing issues of fraud across multiple cards, accounts, and financial institutions, I have asked USAA for a list of transactions that were entered manually or in-store multiple times. As of this writing, as with several other financial institutions that have allowed all manner of fraud to occur on my account to include XXXX XXXX  features and fraudulent dashboard entries, they do not appear willing to answer the question.
Product: Student loan

Sallie Mae is demanding {$1700.00} payments, while I am currently unemployed and pending clearance to work for my job at the hospital. I just graduated and have been waiting since this may to gain clearance to wrk at the hospitals, and co-vid has slowed down the new-hire on boarding process due to an increase un numbers around the metropolitan areas. 

I solely support myself, with the help of my single mother and I, support her with all payments for utilities. I just need some time and a bit of flexibility, is all I ask.
Product: Student loan

I have been paying my private student through Navient loan back. It was put on collections to XXXX XXXX XXXX, which I have been paying for 2 years to date. 1st payment was onXX/XX/18 to current. I have payment history showing this. I am trying to buy a house and found a " charge off '' by Navient. I confirmed this by calling all 3 credit bureaus and the collection XXXX XXXX XXXX. I was told that Navient is the one whom have placed this charge off even though the account is still getting paid. I have the payment directly taken out of my checking account every 2 weeks. After talking to Navient and explaining to them when I am trying to do I was just, " No, there nothing we can do unless you have the remaining balance to pay it off ''. I have ran through every option I can possibly try and keep getting no help. I am hoping you can help as you are my last resort and my last option. This charge off is the only thing from keeping me from buying my house. I hope you can help. Thank you for your time. 

Brgrds  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter via U.S. Postol service to Transunion LLC Consumer Dispute Center XXXX XXXX  XXXX. I disputed 3 different accounts. One account was removed while the other two remained. I asked why I hadn't received correspondence regarding those accounts and I was told that they mailed it to an address that I no longer live at. I asked for the letter to be resent and they stated that I would have to start the dispute process over. It has been over two months.
Product: Credit reporting or other personal consumer reports

I mailed letter to XXXX asking for proof of the debt. They never responded to my request.
Product: Credit card or prepaid card

To whom it may concern, I have a Costco Citi Credit Card, card was current and paid in full and in good standing. In XXXX and XXXX of 2019 I missed two payments back to back on my Costco Citi Credit Card. The reason why was my costco membership was automatically charged onto my credit card and I wasn't aware. As soon as I became aware I made a payment in full to bring my account current. These negative remarks are hurting my credit score from all three major credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX  ) and the consumer reporting agencies. 
XXXX XXXX  These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter
Product: Debt collection

The facility is trying to over charge me for an account that was transferred over to them from another company. The original debt was incorrect. We went on for years. I tried to resolve this issue year after year. The last time I currently reached out to them, XX/XX/XXXX, I was told that they know nothing about my account and that it has been transferred out to another firm. When I contacted the other firm I was told that they did not have my account either. I then reached out to my property management, XXXX XXXX XXXX XXXX and paid the money to them that was due. Once alliance realize that I was paying the full balance they magically had my account again! They then reached out to me for a balance that went from {$800.00} to {$8900.00}. They were charging me well over {$5000.00} in fees just to collect. Account number XXXX. I have tried and tried still to resolve this and I am not getting a result. They placed a lien on my home for {$1200.00}. I paid all money on the property. The lien still remains on my home. The manager XXXX seems to be more interested in stopping me sell/refinance my home then she is in resolving the situation. They have yet to make or accept a settlement from me on this manner. In addition, they have charges for me in XXXX, during the pandemic when all other accounts, ie federal loans home loans, was on hold, they were still charging and running up balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did a hard inquiry check ok my credit without my acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what type of games that Transunion, and XXXX  is trying to play but I am over this cat and mouse game with these credit reporting agencies. The remarks on my credit report are inaccurate. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all have remarks that are inaccurate and should be removed immediately!

DISPUTE OF ACCOUNT INFORMATION for any or all accounts need to be removed. The accounts was not investigated nor was the information I requested provided. I did not ask for a verification I asked for validation with paperwork that I requested and never got. While disputing, By law there should not be any negative marks on my credit report per FCRA after the dispute is over there should be NO REMARKS THAT I THE CONSUMER DID NOT AUTHORIZE! THE ISSUES WAS NOT RESOLVED IN MY EYES I AM NOT SATISFIED AND I WILL CONTINUE TO FIGHT THESE CREDIT REPORTING AGENCIES. I WILL BE FORWARDING THIS TO MY ATTORNEY AND THE CEO 'S OF THESE CREDIT REPORTING AGENCIES! My XXXX  account and XXXX XXXX on XXXX XXXX   is showing NEEDS ATTENTION when it is in bankruptcy. That remark was not authorized and it looks as though it is still open. Not a good look for my credit after filing! My last name is not XXXX  that Transunion has on my credit report! I have not applied for these accounts that is in XXXX! I have not been XXXX since XX/XX/XXXX! I have sent ID AFFIDAVIT to all the credit reporting agencies I believe it was in XX/XX/XXXX. I have the paperwork somewhere at my home. There is addresses on my report that I NEVER lived at and the response I get from these bureaus is this credit card is linked to this address. If the card is opened under ID theft/fraud and I never lived there how in the heck can you say you investigated my request to investigate! Remove this garbage immediately! Credit applications should not be done online without being in person. this is ridiculous! I will send a copy to the CEO 's of these bureaus too!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts and inquiry from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ally Financial is showing the account as a charge off, but it has been paid in full.