23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined XXXX The IRS Publication XXXX Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something. 

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights. 

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1. 

The above paragraph is taken directly from the IRS 2022 Publication XXXX. 

This account must be removed.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX   and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Mortgage

OUr company borrowed a loan from the hardmoney lender XXXX XXXX for {$150000.00}. The loan rate was 12 %. The loan was foreclosed on because they did not continue the direct charge to the account provided. Upon realizing that the payments were delinquent, we asked them to allow us to catch up. They declined and foreclosed on us. We sold the house. Upon closing they charged us an additional 15 %. They instructed our buyer not to pay any additional funds. They would not close unless we pay the additional 15 %. 
According to florida statute 687 the limit total rate is 18 %. We were already paying 12 % and then we had to add another 15 %. Also the law states that 5 % is the maximum late fee so the 15 % additional charge is unfair. 
We had to agree to the rate because we would have lost the seller. They also would not close unless we signed documents agreeing to these terms. The closing statement sent to us before closing did not include these fees. The final closing statement adjusted the amounts. We were unaware of the hike in fees until then. There was so much deceit.
Product: Student loan

Subject : Urgent Complaint Regarding Federal Loan Servicer and Repayment Plan to Consumer Financial Protection Agency Consumer Financial Protection Agency [ Your City, State, Zip Code ] [ Date ] Dear Consumer Financial Protection Agency, I am writing to bring to your attention a concerning matter regarding the handling of my federal student loan by the loan servicer during a transition and the subsequent difficulties I have faced in the application for an income-driven repayment plan. 

Having recently completed XXXX XXXX in XX/XX/2023, I promptly applied for the XXXX XXXX. However, my loan servicer shifted from XXXX to MOHELA, resulting in a series of issues with my application for the income payment repayment plan. Despite numerous calls ( XXXX thus far ) and attempts to seek resolution since XXXX, the processing of my application has not progressed, leaving me in a state of uncertainty. 

Every time I have contacted the servicer for updates, I have been provided with a standard response indicating a XXXX processing time. Regrettably, it has been almost XXXX months, and I am still without any concrete information about the status of my application. Furthermore, my attempts to speak with a supervisor have been consistently unsuccessful, leaving me without a higher authority to address these concerns. 

In addition to the protracted processing time, I have encountered difficulties in navigating the forbearance process. This has added to the overall frustration and anxiety associated with my student loan management. 

I believe these issues are not only impacting my financial stability but may be indicative of broader problems within the loan servicing system. Therefore, I am seeking the assistance of the Consumer Financial Protection Agency in investigating and addressing these concerns promptly.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Agency will take the necessary steps to ensure the fair and efficient resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a lot of information on my credit thats not mines .XXXX XXXX, 3 XXXX  XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, 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  XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with XXXX  and XXXX  about my credit report from credit acceptance. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and credit acceptance statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} credit acceptance charged me $ XXXX is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX  is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} XXXX  is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from credit acceptance.XXXX  is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. XXXX  is stating I have over 19 late payments XXXX  states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XX/XX/XXXXof the month then credit acceptance will generate a date and conformation with the XX/XX/XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted credit acceptance from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against credit acceptance that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : WORTH FINANCE CORP. 
OPENED : XX/XX/14 XXXX. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM  UPLOADING TO YOU.
Product: Credit card or prepaid card

I opened this card for the sole purpose of taking advantage of their 0 % APR 0 % fee balance transfer offer. I was granted a {$5000.00} credit line and initiated a transfer request of 75 %, {$3700.00} on XX/XX/XXXX which posted to my account on XX/XX/XXXX. I was informed it may take up to 5 days for the transfer to reflect on the other card and so I waited but the balance transfer payment from Amex was never reflected on the card it was intended to pay. I contacted Amex on or about XX/XX/XXXX to inquire about this issue and was told I had to take it up with the recieiving card. I called the receiving card, XXXX, and they confirmed no payment was received from Amex on my account. The following week I contacted Amex and informed them of this, I also confirmed they had sent payment to the correct account- which they had. The representative I spoke with put this transaction into dispute. I asked that she cancel the balance transfer and try again. She said they had to have it cleared with their dispute process first. In the following weeks I followed up with Amex each Monday and received no assistance or update on the status of my account. The last contact I had with the company I requested they cancel any pending balance transfer and close my account because at this point the entire goal of the balance transfer was moot and I am fed up with their process. I was then informed I would not be allowed to cancel any transfer and that I didnt know what I was talking about. When I asked to speak with supervisors I was not redirected and given no actionable assistance from the staff. I was informed complaints take up to 6 weeks to resolve, however the complaint was entered in to in the beginning of XX/XX/XXXX and it is now XX/XX/XXXX. I still have no resolution. I now have a revolving balance on a card Im not going to pay because it doesnt reflect a successful balance transfer and Im still paying interest on my XXXX XXXX, which had been the entire motivation in the first place to do a balance transfer. At this point I am going to have the XXXX XXXX paid off If Amex ever gets it together, then Ill be on the hook for money I have requested several times now not be transferred. Additionally the use of 75 % of my available credit with Amex has hurt my credit score. Amexs customer service has failed to put th customer first. I offered to submit statements from my XXXX XXXX  to prove no transfer made it through but they declined. I have received no updates on the status at this point and Im very worried about being responsible for {$3700.00} that I did not spend.
Product: Debt collection

I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a {$1700.00} payment to RentDebt to remove a collection off my credit report. Before I made the payment I was told I would get a deletion letter. After the payment was made I received a XXXX  balance letter through email. After a couple weeks I called to check the status on the deletion letter and was told that they only provide a XXXX balance letter. I called RentDebt back on XX/XX/20 to follow up because I was informed that this company does provide deletion letters. The deletion letter that was promise at the time of payment I was told again by an agent that RentDebt only gives the XXXX balance letter.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE 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.

This company 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three 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? 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 the 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 which 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 matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

XXXX XXXX is the company. They have done repeated phone calls to family members and friends. Will not stop calling. Will not remove incorrect numbers. Will not provide info so hiding information. Need them to STOP and CEASE calling my family, friends, and myself.
Product: Credit reporting or other personal consumer reports

In 2022 I purchased a couch from XXXX XXXX. I paid off that account. However there are TWO XXXX XXXX accounts on my credit report both dated 2022. One is paid off and the other is listed as " charged off '' with an account ending in XXXX. 

Last year I tried to dispute the " charged off '' account and thought it was resolved because it no longer pulls on my creditkarma report. 

However, a softpull was run because I'm trying to buy a home and it is STILL showing as a charge off. 

This account doesn't exist but yet it remains on my credit report! The phone number on the credit report ( XXXX ) XXXX doesn't even work! 

To date I have gone into XXXX XXXX and contacted the following numbers. Nobody can find this account. It doesn't exist Please remove from my credit report so I can buy a home Or tell me how to pay it!! 

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 capital   one. On XX/XX/2017.
Product: Mortgage

I am writing to you because I have been subjected to an increase in my monthly mortgage payment. The increase was done without my knowledge or consent. I would like to dispute the change in the monthly amount. The change occurred for the XX/XX/2019 payment. My mortgage amount was previously {$820.00}, which was a fixed rate. As of now, I am being forced to pay {$880.00}. This is an increase of {$60.00} per month. I appreciate you assisting me with this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor ( XXXX, TransUnion, XXXX et. al. ) has violated my rights under 15 USC 1681 section 602. Which states that I have the right to privacy. 15 USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My middle name begins with a " M ''. I have never, nor will ever, substitute that with another letter. For example, " W ''. I have never used a " W '' for the first letter of my middle name. Any transaction history using " W '' as the first letter of my middle name is not to be associated with my identity.
Product: Credit card or prepaid card

On XX/XX/2019, I submitted a price match through Citibanks Price Rewind program for the XXXX XXXX XXXX cellular phone purchased on XXXX XXXX   website ( XXXX  ) using my Citibank credit card. The price was listed at {$890.00} as reflected in my invoice. I also participated in XXXX Trade In Phone Program that will provide up to {$200.00} in credits if they decide to accept the trade in after receiving the old phone. The total purchase price with the trade in is {$770.00} ( including taxes ).

I have a temporary {$200.00} credit until the manufacturer makes a determination on the phone ( assess condition, operability, backlisted etc. ). I then proceeded to submit a price match request using a lower amount I found on XXXX ( XXXX ) for {$630.00}. The total price difference is {$890.00} XXXX is {$260.00}. Per Citibanks terms and conditions : Maximum Benefit per item The lesser of the following : {$200.00} The amount charged to the Citi card I understand that the maximum benefit I would receive is {$200.00}. However, on XX/XX/2019, I received notification that I would be reimbursed for only {$60.00} instead of {$200.00}. Citibank instead factored in my trade in price instead of the full amount. The terms and conditions do not indicate a price match of an after-trade in price to a competitors price. On the same day I received this notice, I called Citibank to resolve this issue by asking where in their terms it indicated an after trade in price will be factored in the price match? They were unable to locate such terms ( https : //www.citipricerewind.com/guide ). After being put on hold for extended periods of time, the Citibank Rewards Program representative finally responded by refusing to honor the terms of their price match program.
Product: Mortgage

" Quicken Loans '' is harassing me, attempting to manipulate me to refinance my loan to them at a higher interest rate. I did NOT request anything from Quicken Loans nor have any interest in dealing with them. I have informed them, via email, to " Cease and Desist '' but they continue to harass me. 

I fear that " Quicken Loans '' is attempting to hijack my mortgage and/or property. Furthermore, I fear that Quicken Loans is attempting to damage my credit rating in order to force me to switch to them at the higher rates and fees. 

Furthermore, I believe that Quicken Loans is attempting to literally steal my property. 

Attached is the latest email received from them. No matter how much I attempt to " Unsubscribe '' or ignore them, the emails continue.