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

XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} with 1 month term XXXX and Transunion just show open account no status with no term balance XXXX National CREDIT system, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months account is reporting payment history each month when it should not since the account has been closed. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately Transunion shows no payment history within the last 24 months I am Also adding I have never signed a contract of one month with this creditor which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Product: Credit reporting or other personal consumer reports

I want to report Experian for incorrect information on my credit report and unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to rectify fraudulent items on my credit file. Despite my persistent efforts, the fraudulent information remains, and I am reaching out to seek your urgent assistance in resolving this matter. 

I have made multiple attempts to dispute the fraudulent items on my credit file through the prescribed channels, but regrettably, these efforts have been in vain. The presence of inaccurate and fraudulent information on my credit report has adversely affected my creditworthiness and financial standing, leading to additional hardships. 

I am writing this letter to bring to your attention the urgency of this matter and to request a thorough and immediate investigation into the fraudulent items on my credit report. I insist on a comprehensive review of the evidence I have provided in my previous disputes and urge you to take the necessary steps to remove the inaccurate and fraudulent information promptly. 

I understand that the credit bureau is committed to maintaining accurate and up-to-date credit information for consumers. Therefore, I am confident that you will treat this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. 

Enclosed with this letter, please find copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Checking or savings account

Discover bank online - their online bank transfers and wire transfer has been offline since yesterday XX/XX/2023. I have been trying to close a large account balance. Spoke with XXXX at the XXXX  XXXX. She said the systems were down and they could not transfer money over the phone. I attempted to sign on to their web portal without success. Same message. I was transferred to XXXX XXXX at the XXXX XXXX. She said they could not help close my account and transfer my funds to linked checking account. She stated they had an unknown systems issue and could not determine how long it would take to resolve. I own this account and I should have access to my funds. This is unacceptable. I have tried multiple other times to transfer the money using their app but it stops me at verifying checking account. Same results on their website. XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.
Product: Credit reporting

Many times I did disputed an account that showed as an adverse account in my Transunion credit report. I sent by mail and uploading online legal documents to support my dispute but the credit report company results indicated that this information wo n't be deleted.
Product: Credit card or prepaid card

Established account in XXXX, 2020. Used online banking service ( " OBS '' ) from another institution to schedule payments, which are due by the XXXX of the month, however as OBS did not have ACH information paper checks would be mailed 5 business days prior to address from periodic statements. System worked well for three months whereby payments were received in timely manner. In XXXX of 2020, creditor claimed payment was not received until the XXXX - 1 day late - and imposed a {$27.00} late fee. Submitted dispute to OBS who attempted to contact creditor via two different " customer service '' numbers, without success ( stated wait times in excess of 2 hours ). Same issue occurred in XXXX, except OBS mailed payment so it would be received by the XXXX given XX/XX/2020 was a Sunday ( non-business day ). Creditor claimed payment was not received until the XXXX and imposed a {$38.00} late fee. Again contacted OBS who stated they had continue to make multiple attempts, unsuccessfully, to contact creditor, and asked that I attempt to contact the creditor directly. Submitted online dispute with creditor for the two late payments and asked via online system for name and number of contact for OBS to call and/or for process/instructions for OBS to make electronic payments. Creditor agreed to waive the {$38.00} late fee as a " one-time courtesy '', yet response to multiple requests for contact name/number and/or additional information was simply to contact the creditor via published numbers. Currently on hold with said number for past 60+ minutes waiting to speak with someone.
Product: Student loan

Navient continues to increase the interest rate on the loan that they purchased from XXXX XXXX XXXX. On XX/XX/XXXX Navient began to service the loan that they had purchased from XXXX XXXX XXXX. My average payment was around {$110.00}. The interest rate continued to increase and the payment is increasing as well. The current interest rate for the loan is 9.25 %, however there is a rate reduction for the amount being automatically taken out of my bank account, making the interest rate 8.25 %. My payment has increased to over {$130.00} per month and the loan amount does not decrease with every payment. As of XX/XX/XXXX ( when Navient purchased the loan ), I owed {$12000.00}. As of XX/XX/XXXX, i still owe {$12000.00}. In nearly a year, I have managed to pay off {$300.00} of the loan, however I have paid, in total, {$1100.00} - {$850.00} to interest alone. 

I contacted Navient to attempt to lower the interest rate, however they said they already did with the reduction through autopay. Navient said they will not lower the rate any further and that I should expect to pay the loan for another 30 years. Navient told me that if I wanted to lower my amount due, to pay more to the principle of the loan, money that is not available due to having other living expenses. 

Navient did not have any other options for me to reduce my payment, reduce my interest rate, and had no other options to help me. They are very predatory and are taking advantage of borrowers by purchasing loans from other companies and servicing them, offering no assistance or relief to borrowers.
Product: Student loan

My account has been on forbearance and I was told my loans would not be accruing interest during this time. My loans have accrued {$670.00} in interest during forbearance. I should not have been accruing any interest during this time. MOHELA does not give me the ability to view when this interest accrued, instead it only shows me the total interest accrued for each loan. Each loan is showing an active interest rate of " XXXX % ''
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


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

XXXX XXXX Opened XX/XX/2007 Charged Off/Closed The account is 8 years + old.
Product: Debt collection

I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.
Product: Vehicle loan or lease

I have made it very clear in back and forth email to auto loan Toyota Financial Services authority that if I make an extra amount over over regular payment, it should be deposited in the principal loan amount. But, they have decided not to.
Product: Credit reporting or other personal consumer reports

Inquiry was present on my credit report for a credit card I did not apply for
Product: Credit card or prepaid card

Can not make an online payment through the Wells Fargo app as it advises that the limit has been reached for payments from non-WF accounts. Have spoken to 10-11 different associates, supervisors, and executives who have not offered a viable solution to remedy the issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Genesis Credit Management, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report
Product: Debt collection

The credit company ( Commonwealth Financial ) is re-aging the debt to keep it on my credit report. The have also double-listed it on my credit report to increase the hit on my credit rating.
Product: Checking or savings account

I closed a bank account in XXXX of XXXX  due to my account being charged multiple overdraft fees. Wells fargos policy was " if your account was made postive in 24 hours from the time it went negative then no overdraft fee would be accessed. '' However I was still charged fees even after following the policy. I complained multiple times but they didn't care so I finally closed my account. XXXX of XXXX I received a check from Wells Fargo for XXXX $ and change. I called to get info about the check they explained it was 2 overdraft fees XXXX $ plus XXXX $ and change. I explained I wasn't happy, so I escalated the situation. Someone review my account said they owe me nothing. Still not happy I did a XXXX  complain and they sent me a extra XXXX $ check. I explained I still don't feel that is right because if I took money from them I would owe them years of interest plus the extra fees. Again they said they owe me nothing more that what they sent. I would love them to be held accountable for exactly what they charge their customers if the roles were reversed.
Product: Credit card

The company 's response is all after the fact. I requested the disclosure of the 2 year 0 % promotion that they never disclosed nor explained to me that led to a compounded interest balance. I only signed the doctors sales receipt and was never told that I was put into a higher interest rate compounded interest promotion. This has lowered my credit score after they added a compounded interest rate balance that is more than double the previous balance. I was supposed to be on a standard amortization principle and interest schedule not this promotion that was never disclosed nor agreed to. 

They never disclosed nor provided the documentation request which was the financial disclosure explaining the program and/or me agreeing to the promotion before signing the doctor 's sales receipt. 

They never provided the financial disclosure where they explained the promotional program. The information Care Credit sent is all after the fact. The documentation request which was the financial disclosure explaining the program and/or me agreeing to the promotion before signing the doctor 's sales receipt.

Disclosure Agreement has been requested numerous times. As of this date Care Credit still refuses or is UNABLE to provide the so called signed and acknowledged Disclosure Statement for this loan.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with Mr. XXXX from Consumer Portfolio Services on his direct line at XXXX in regards to my loan and struggling to pay it due to financial hardships with COVID-19. After bringing it current in XXXX with almost {$2000.00} worth of payments that drained my 401k, this company refused to offer any assistance above and beyond the 1 month extension that is available every six months on their loans. I called in XXXX to request a voluntary surrender - and reached a manager that refused my request and changed my due date instead as thats the most they could offer to assist to keep my account current. When speaking with Mr. XXXX and him continuing to reiterate that their company had no other options to assist me with my payments - I requested a voluntary surrender. He agreed and advised he would expedite the order. I requested that he have the repossession company call me before coming to secure the unit and if the call did not go through for the agent to text me - neither happened. In fact, on XX/XX/XXXX I looked outside to find the unit was gone with no contact attempts made to me. I reached to Mr. XXXX - he never called back. Upon contact with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX FL, they advised that the voluntary surrender order was sent over as a do not contact customer. Which is 100 % opposite of the discussion had with Mr. XXXX on XX/XX/XXXX at XXXX eastern time in a 16 minute conversation that was had. This was a wrongful repossession in my eyes. I had even discussed how I could go about simply surrendering my car to an auction directly - but that was essentially shrugged off. All I wanted was to avoid additional fees and costs added to my loan balance from a repossession company getting involved. That was obviously not cared about in the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX to correct the incorrect information on my report since XXXX. XXXX stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE XXXX  REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A CAPITOL ONE CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A CAPITOL ONE CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF CAPITOL ONE CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND XXXX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE CAPITOL ONE INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME XXXX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.
Product: Mortgage

( Original Complaint Sent to NewRez - Shellpoint on XX/XX/XXXX ) from : XXXX XXXX XXXX to : XXXX date : XXXX XXXX, XXXX, XXXX XXXX   subject : Removal Erroneously Applied Late Fees by XXXX XXXX   Which Transferred to NewRez Account XXXX XXXX mailed-by : XXXX To Whom It May Concern, I recently PAID-Off my New Rez Mortgage in XX/XX/XXXX, which feels Wonderful ... HUUURRAY! However, on my former XXXX XXXX which transferred to New Rez in XX/XX/XXXX, XXXX erroneously applied ( 2 ) Late Fees to my account. The following details are provided : 1st Late Disputed Charge : On XX/XX/XXXX, I registered a new Online XXXX XXXX  Account, then made my 1st Monthly Payment in the amount of {$2500.00} using the XXXX Online Payment System. I received a letter from XXXX on XX/XX/XXXX that the payment was returned unpaid. When I checked with my XXXX XXXX   XXXX XXXX, I was informed when XXXX submitted the payment the account number was missing the last ( 9 ) of my XXXX Account # Ending in XXXX. Upon learning of the error on XXXX 's part, I immediate issued a subsequent payment. My XXXX XXXX Account was charged a {$98.00} Late Fee ; in spite of my typing the correct information in the XXXX Online Payment System. Hence, I am requesting that XXXX waive this Late Fee, immediately. - I thought that XXXX had removed this Late Fee Charge. 


2nd Late Disputed Charge : On XX/XX/XXXX, I made an on-line payment directly on the XXXX XXXX  Website in the amount of {$2500.00}. However, XXXX did not draw the funds from my checking account until XX/XX/XXXX. I was erroneously charge me another Late Fee in the amount of {$98.00}. Refer to the following snapshot of my checking account. 


XX/XX/XXXX XXXX-FINANCIAL TYPE : MORTGAGE ID : XXXX CO : XXXX-FINANCIAL {$2500.00} {$0.00} {$2500.00} Hence, I am requesting that NewRez remove these Late Fees from my account immediately and release my Property Deed for XXXX XXXX XXXX, XXXX, MD XXXX, ASAP. If there are any questions, I can be reached on XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX