23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/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 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 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 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 XXXXC XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX of XXXX I filled for Chapter XXXX Bankruptcy. In doing do I reafirmed 1 personal loan with XXXX XXXX XXXX, 1 car loan with Wells Fargo Financial and 1 mortgage loan with Wells Fargo. Everything was finalized in XXXX of XXXX by a district court Judge. Over the paste summer as I was checking on my Credit Score I noticed that while Wells Fargo had been reporting my auto loan since XXXX of XXXX they were not reporting my mortgage. They in fact did n't start to report my Mortgage until XXXX of XXXX. After speaking with my own bank It was discovered that Wells Fargo has incorrectly reported my on time monthly payments. I have now contacted them twice with no resolve other than they admit that they made the mistake but they refuse to report it to the credit unions. In fact my account just now showed back up on my Credit report 5 months after they started reporting it again. All I am wanting is them to fix my wife and I 's credit reports to show that we have been making making payments on time regularly scine the ReAffirmation.
Product: Debt collection

Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After multiple attempts to correct my credit file with XXXX, I am submitting this complaint. The agency - XXXX XXXX XXXX  ( XXXX ), obtained old information ( XXXX ) from the now defunct DiTech company ; postXXXX. Subsequent to filing disputes, this information has already been removed from both XXXX and XXXX.
Product: Credit card or prepaid card

I received a letter yesterday closing my CitiBank Credit card. I understand I have not used it for an extended time, but in addition to listing this as a reason, Citi advised that they ran a credit report and cited delinquencies, late payments etc ... 
I never authorized a credit report being run and they had not reason to do so as it was not a new credit request or a request for additional credit. The issues relating to my credit report are patently FALSE and they never provided me with a copy of the credit report nor the credit reporting agency used.
Product: Credit reporting or other personal consumer reports

XXXX continues to report account on my credit report after failing to provide validation of the debt owed. A full investigation was not completed and follow up letters were ignored. This violates my rights as a consumer.
Product: Student loan

National Recoveries is currently garnishing my wages. I did a forbearance and income repayment plan with XXXX.  But they still are garnishing my wages. I can't survive this every 2 weeks. I'm now also paying {$5.00} a month rehabilitation. Can something be done to stop this garnishment please.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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, credit repair services, or other personal consumer reports

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Bank XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX Inquiry : XX/XX/2020
Product: Credit card or prepaid card

I have a XXXX XXXX Synchrony credit card with a promotion that I would pay a fixed amount {$160.00} per month. ( Similar to a term loan ) Last Fall ( XXXX ) My payment was late and I was assessed a late fee of {$40.00}. I paid {$200.00} which was comprised of the {$160.00} plus a {$40.00} late fee. Synchrony bank applied the entire {$200.00} towards the principal balance and continued to charge me interest on the {$40.00} late fee. I asked them to correct the application of my payment and was denied. I ended up paying interest for 5 months on a late fee that Synchrony did not properly apply my original payment to. 
After hours of arguing, Customer service in an effort to resolve this issue, reversed the {$40.00} late fee in XX/XX/XXXX, but never reversed the interest. I was told by Sychrony that I was not allowed to deduct the {$40.00} credit from my XX/XX/XXXX payment due. 

On XX/XX/XXXX, I faulted on my monthly obligation of {$160.00} due to Covid. As stated, Synchrony would allow me to apply the {$40.00} credit to my {$160.00} XXXX payment. In fact, they increased my payment on XX/XX/XXXX to {$200.00} to pay for a late fee assessed on XX/XX/XXXX that Customer service agreed to also reverse. 

Here is the problem : First They would not allow me to reduce my XXXX payment for the {$40.00} cr adjustment given in XXXX. 
Second On XX/XX/XXXX, Sychrony increased my XXXX promotional payment from {$160.00} to {$200.00} due to the late fee, but would not reduce the XXXX payment back to {$160.00} when they reversed late fee. 

That is two {$40.00} late fees totaling {$80.00} that they made me pay even though they reverse it. Rather than reducing the minimum payment from the {$200.00} back to the original obligation of {$160.00}, They apply it to my principal balance. My contract states that I am to pay {$160.00}. plus late fees. If the late fees are reversed, I should not have to pay them. 

They are using the {$80.00} to shorten the length of the loan by reducing the principal balance with money that I consider as being overpaid. They are using my {$80.00} interest free! My interest was calculated at the beginning of the loan therefore my principal balance includes imputed interest. This imputed interested is not being adjusted when they apply my {$80.00} overpayment that I was forced to pay to that balance. When those late fees were removed, I should have either been refunded ( money back in my bank account ) or my next payment reduced. 

The SEC really needs to really take a look at Sychrony Bank is treating imputed interest in these cases. 
Interest on my {$80.00} for the next couple of years might not seem like much, but when you consider all the people they are doing this to month after month, the imputed interest they are not adjusting for or refunding to consumers is alot of money.
Product: Credit reporting or other personal consumer reports

Capital one credit card and XXXX XXXX XXXX 
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC1681 section 604a section 2 ) also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may. It treat a payment on a credit card account under an open end consumer credit plan as late for any payment.
Product: Payday loan, title loan, or personal loan

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. 

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. 



Best, Without prejudice, all natural inalienable rights reserved.
Product: Student loan

On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial
Product: Debt collection

I have asked the Company to validate the debt and to also send me the payment history of the account. I spoken to a company rep. in the month of XX/XX/ 2023, XX/XX/2023. 
But the company continue to report negative and incorrect on my credit report.
Product: Mortgage

The mortgage servicing company appears not to have given me credit for an escrow payment of {$3800.00} that I made in XX/XX/XXXX. My mortgage payment for XXXX was {$760.00}. When they did the escrow analysis for XXXX the payment increased to {$870.00}. I tried to get them to fix it but they insisted it was correct. even though I paid a total of {$6700.00} in escrow payments during XXXX their escrow analysis for XXXX show that I still have an escrow shortage. Please help.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I as charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one reports that my account is past due ( 30/60 days late ) but I paid my account in full and they told me before I submitted the payment that Im paid in full and that they wont report anything negative on my credit. The representative lied to me over the phone and they refuse to give me the recorded call. It is against federal law to report inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit card

I completed a total of XXXX balance transfers from Chase to XXXX XXXX account. The XXXX XXXX transfers with no transaction fee charged, however during my XXXX balance Chase charged {$190.00}. Chase claimed my account has a two month window to do transfers, since the card was opened in XXXX 2015 and the XXXX transfer was made in XXXX XXXX, 2015. I do n't recall see the disclosure that states about two month window for balance transfers. I offered to pay back the balance transfer ( {$6500.00} ), Chase declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY EXPERIAN.THIS REPORT ON EXPERIAN SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE INXX/XX/2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.
Product: Vehicle loan or lease

XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge. 
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.

When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time. 
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me. 
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency. 
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures. 
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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: Mortgage

XX/XX/XXXX, spoke with a PHH mortgage agent over my escrow analysis statement ( dated XXXX ) in letting her know my homeowners policy is not {$1100.00} for the year, yet I had it lowered to $ XXXX starting XXXX. 
I asked to have this redone so my mortgage payments are not high but lower. 
I sent an email with the document. 
On XX/XX/XXXX I spoke with an escalation agent outsourced in XXXX and asked him why this has not been taken care of ( received XXXX XXXX ) when I spoke back in XX/XX/XXXX. He had no answer. He also said you get XXXX escrow analysis statement a year. He said he might call me on XX/XX/XXXX. I doubt it because I've had problems with this company 's agents doing nothing. SO, they prefer to keep my new mortgage bill at {$680.00} a month and not lower it according to my documents I sent XXXX  times now since we spoke! It's ridiculous! I'm so drained and tired dealing with their ruse of neglect and gaslighting me. 
I want to see a resolve in my XXXX bill which will be lower. And the monthly bills from now on. 
PHH MORTGAGE, XXXX XXXX XXXX FL XXXX PHONE XXXX