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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking for these inquiries to be deleted because I did not authorize these companies to run my credit nor access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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: Mortgage

We have been with Bank of America for about 7 yrs. We have had some financial problems, but we have made it work. Recently we were up for a loan modification and we had no idea we were. I had sent in a payment for {$1500.00} to make up a payment and a little extra, and then called to let them know it was on the way. XXXX, they tell me that the money I just sent can not be used at a first trial payment, but they expect me to come up with another payment in a week? So for the first to payments I have to overnight them to make sure they get there before the month has ended. Both were delivered before the month ended, but where not posted until the following month. Then I ended up having surgery and the next payment got returned from my bank, by the time I knew this is was to late. a few weeks later, We received a letter and paperwork in the mail we signed everything and sent it back. It had said, you were APPROVED for the modification. So I was set up to do with that, then another week went by and I got a letter saying that we were DENIED the modification. So to my confusion I called them and the person on the phone was just as confused. Then finally they say, sorry you were denied, try again. So we go thru the whole process again. Every few days I call in and they say they need clarification on a part of my husband paycheck, so I answer the question. I end up answering the question XXXX more times! Then I keep calling to find out an answer, I can never get to my account specialist, so I have to talk to random people each time. Then I get a letter saying we are sorry you do not qualify for any help and you are in foreclosure. I call and try to talk to my account specialist who I still ca n't get a hold of. The person I do talk to says they can try to help, I ask why did n't my account specialist call and let me know what the decision was. She said they said out info to the costumers and they do n't always know. But every letter or any information I get from them is electronically signed by him. That does n't make sense for his to have " signed '' it and not know about it. So a few days later I finally get a hold of my account specialist and he says that he did n't know the letter went out and there is nothing they can do. He asks me, is there anything he can help me with? Well not really since you just told me you ca n't. I just want to know about all the run around and why they can do this. Now I have no access to my account and I can not make any payments ... I am stuck
Product: Credit reporting or other personal consumer reports

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Product: Credit reporting or other personal consumer reports

Dear AMERICAN FIRST FINANCE I, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}XXXX XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit ace act number XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly
Product: Credit card

A credit card was taken with a credit limit of {$12000.00}. 
After months of using the card and developing a balance of around {$5400.00}, the card was stopped being used, as the card was at a 44 % usage limit, and we did not want the cards usage limit to affect our credit scores by maxing it out and showing irresponsibility. 
I logged onto my credit card app to pay the bill, and I noticed the card company had lowered the credit limit to {$5500.00}. Leaving me a credit limit of only {$100.00}, and essentially forcing the usage limit to now 100 %, causing a nose-dive in my credit score. There was no notification that the limit on my card was being lowered. No letter, no notification, no communication from the credit card company. No bills have ever been missed or unpaid. This is not allowable. Credit card companies are not allowed to perform actions that cause bad credit on customers who have never defaulted on their payments. If you offer me a card with a specific credit limit, it is my choice how that credit gets used, as it was also my choice to participate in accepting the credit card. This action is going to hurt my credit score and prevent further use of my credit rating to aquire future credit. Changing my credit card limit without any notification to automatically max out my credit card when I specifically chose to keep it at 44 % usage is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a loan that is now a charge off from a place called XXXX XXXX
Product: Credit card or prepaid card

I am writing for the second time regarding this account. Last year, I stated that I never received cash advances totaling over {$12000.00}, when my cash advance limit was {$3200.00}. They sent me several years copies of past statements for me to go over to defend my complaint. However, when creating a month-by-month spread sheet deducting payments, adding interest, etc., I found that there were several months missing. So I could go no further. They sent me a note indicating that I applied for a balance transfer and that is why the entire balance was applied to a cash advance. Why would I apply for a balance transfer for an APR rate that is over 29 %. Furthermore, my original credit card was with XXXX XXXX XXXX. It was sold to XXXX, and then to Capital One. I had nothing to do with this account going from one bank to another. 
I want them to go back and recalculate my balances from day one, apply the correct rate to purchases and deduct the high cash advance rate, and credit my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2015 Amount XXXX Reported on my report has negative
Product: Mortgage

XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer, Loancare received a loss mitigation application request on XX/XX/2019. On XX/XX/XXXX we confirmed with XXXX in the loss mitigation department that this application for loss mitigation was received. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. This is an FHA loan. They should be reviewing me for authorization to participate in the program. When we call in we get no information on the review of my application to participate in the FHA - PFS program.
Product: Credit card or prepaid card

Intentional deception by Capital One, no changes even though numerous CFPB complaints so far. Hoping more complaints will get them to change their tactics. First time a company has ever been unwilling to elevate a problem I reported, so first time Im filing a complaint against anyone. 

I opened credit card using a 15-month 0 % interest promotion. 
XX/XX/XXXX : I received email of account approval, 0.0 % intro APR on purchases for 15 months, card to be received in XXXX days. 
XX/XX/XXXX : Would be 15-months from that earliest date. ( To be safe I did not assume later date of card activation or first purchase ). NO DATES OR EXPLANATION of the promo period were specified anywhere in the email. 
XX/XX/XXXX : Date of first statement, statement period was XX/XX/XXXX ( matched my expectation above ) to XX/XX/XXXX. Interest Charge Calculation box indicated 0 % on purchases and NO PROMOTIONAL PERIOD OR DATE was indicated or described anywhere on this or any statements. 
XX/XX/XXXX : Statement still showed 0 % rate for Purchases. Standard notations on statement indicated interest charges would be avoided if statement balance was paid in full by the due date of XX/XX/XXXX. 
XX/XX/XXXX : To be safe I paid the FULL STATEMENT balance of {$7000.00} BEFORE statement due date ( XX/XX/XXXX ), and before 15-months from acct open date ( XX/XX/XXXX ). 
XX/XX/XXXX : Statement had Interest Charge of {$55.00}. I confirmed my payment showed received and credited XX/XX/XXXX. The XXXX XXXX Calculation box showed purchases were now subject to 20.49 %. 

I called customer service, had to escalate to a supervisor. At first they were puzzled when I pointed out the payment of the full statement balance BEFORE the statement due date and before 15 months from account open date. After long hold they came back and said it was 15-months from the Promotion OFFER date which would have been on the original offer which was online when I applied for the account, and was in fact XX/XX/XXXX. They admitted no documentation was available to me to back that up in my online documents, and even as a supervisor they could not provide or even pull up for their use a copy of any such document. My only option was to FAX or MAIL a request for a copy of the letter, they didnt even allow use of secure online message center which can be used to dispute charges and is how they respond to most inquiries. 

Requesting refund of {$55.00} interest assessed and any additional interest on my next statement as I will pay that statement balance in full ( AutoPay ) before the due date as well. 

Please work with this company to publish information on their statements the way other companies do ( I can confirm XXXX and XXXX put this on every statement ).
Product: Debt collection

Hello I have a question so this attorney name cooling & winter is suing me for credit card debt for XXXX XXXX  XXXX when I ask them can I handle this out of court I never received an response I have court in XX/XX/XXXX and I have no money Im stuck in New Jersey at the moment an Im not sure of what to do and they never notified me they was sending me letters no calls no nothing
Product: Debt collection

Lockhart , Morris & Montgomery is trying to collect a debt that has passed statute of limitations within my state, please see prior complaints. 

Also, I requested a assignment of debt, which they have NEVER provided. Therefore, they have no right to try and collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I experienced life changing complications due to XXXX XXXX ( see proof of XXXX XXXX XXXX XXXX  ) and was unable meet a lot of my financial obligations on time. After fully recovering, I was informed by church pastor that credit card companies were providing customers who experienced financial hardships due to XXXX, accommodations to remove the late payments under the CARES act. 
In XX/XX/XXXX I contacted both my credit card companies XXXX XXXX  XXXX and XXXX ) and explained to the representatives that during the time the payments were due I was severely ill with XXXX and unable to fully function on my own and asked would they provide me a courtesy to remove the late payment from my consumer report due to me being ill with XXXX. 
Both companies ( XXXX XXXX and XXXX ) agreed to remove the late payment from my consumer report. XXXX XXXX  sent a letter to all three consumer reporting agencies immediately requesting to have my payment history corrected and updated ( see proof letter from XXXX XXXX to consumer reporting agencies ) and XXXX even sent me a check in the mail to refund me for the late fees that I was charged due to the late payment, because once the late payment was removed It would be impossible to still charge me late so they refunded me the late fee I was charged. ( see proof of refund of late fees ). Although XXXX ageed to remove the XX/XX/XXXX late payment from my consumer report, and also refunded me the late fees associated with the late payment from XX/XX/XXXX they are refusing to update my consumer report to reflect the changes they made to my account by providing this courtesy adjustment accommodation. I have notified XXXX on numerous occasions of their legal obligation to adhere to the FCRA/CARES ACT section. 4021 CREDIT PROTECTION DURING XXXX. 
How is it humanly possible for XXXX to make a " courtesy adjustment '' by waiving a late fee directly related to the XX/XX/XXXX late payment, and then state that they stated they will update my account to reflect the adjustments made, but then refuse to update my consumer report also. They made changes to my account directly related to thta late payment information. 
At this point this is not only blatant disregard for me as a human being but also for my rights as a consumer, and the laws that have been put in place by CONGRESS to protect those that have been impacted by XXXX during these tragic times. Please assist in enforcing the law and rectifying this ongoing issue. 
I want this negative late payment from XX/XX/XXXX deleted from my consumer report. And i want XXXX to pay me {$1000.00} for violating my rights and willfully non-complying with the FCRA / CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Student loan

My student loan was paid off in XX/XX/XXXX. No updates to my reports have been made since XX/XX/XXXX. Submitted an online dispute with XXXX  which was completed on XX/XX/XXXX with no update to the loan balance and also it shows no payments made on the account. I submitted a request to the loan provider ( Mohela ) to update the balance with the credit bureaus which they claim to address requests within 3 days. It has now been 2 weeks and they have done nothing. Now this is affecting me as I will be getting a new car loan soon and my score is not reflecting my credit worthiness accurately.
Product: Credit card

My experience with PenFed has been a disaster. About a year ago I got a second telephone line for mobile service. I wanted to isolate my banking business from the non-bank business. I tried to make an online payment to PenFed using my new number and was told I couldn't do that for " security reasons. The phone number on my new phone didnt match the one on their records. I made numerous attempts to find out how I can change my old number to my new one. The PenFed story was I would have to send any recent household bill to verify my address and to simply write my new phone number on the bill. Despite this ridiculous proposal, meaning the Pen Fed solution, I went ahead and did that, including a USPS Registered letter. If their mail service is so unreliable, perhaps they should stop making their online payment so hard to use. They don't have an Email address that customers with questions or complaints can access. I find their advertising gimmick of being there for veteransinsulting. Please keep in mind that I made regular payments through USPS with a personal check being my only option. It was also the only entity I had business with that I had to use this antiquated method. PenFeds most recently questionable business scheme was to double my XXXX monthly payment by, not only, accepting the check that had cleared after approximately 10 days, but they also accessed my checking account without my approval or arrangement saying it was a payment for the same period my check was for. This meant that PenFed, which for that month wanted a minimum payment of about {$100.00}, managed to extract {$350.00}.

That same month, XX/XX/2024, the same bill had a charge placed by the XXXX  for an XXXX membership internet and a phone number XXXX. The amount was {$45.00}. I never agreed to this nor did I place an order online.

The following day PenFed sent another letter saying the method/Information I used to allow me to make payments online was insufficient for identification and I was given yet another phone number, no Email address. The method I used, in other words, a bill with my name and address and the new number on it, that was their idea, wasnt good enough. Are you starting to see the pattern Im seeing?

Im sending this same letter, by request, to the State of Missouri, Office of the Attorney General, Fraud Division. Im going to leave out the internet membership charge to the XXXX, in part because I dont want to believe the XXXX would do something like that to a member and a veteran.

Sincerely, XXXX XXXX