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

There are multiple inquiries on my credit report that I never authorized, and they are negatively impacting my credit score. I have never applied to these companies nor given them permission to access my credit file. I previously contacted Equifax regarding this issue, and I was assured that these inquiries would be removed. However, they still remain on my report. As someone who has already been a victim of identity theft, this only adds to my XXXX and stress, further damaging my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX 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

My previous method of verification request on XX/XX/year> was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/year> that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request. Which is a violation of my rights. 

SEE ATTACHED LETTER FOR COMPLAINT DETAILS
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Fraudulent account : -XXXX XXXX XXXX XXXX {$240.00}
Product: Vehicle loan or lease

I was affected by COVID-19 and requested assistance from Credit Acceptance. Asked them to defer payments as per PA cares. They refused assistance, just kept asking for payment. They showed no empathy and did not even ask how I was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is about blatant violations by LVNV/Resurgent and XXXX, XXXX and XXXX. I asked LVNV to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent 4 other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. XXXX even went on to say they were no longer reporting this LVNV account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only one they're doing this to. I could really use your help in this matter.
Product: Checking or savings account

I deposited a check into a new Huntington bank checking account on XX/XX/year>. The money was held as told and was released on XX/XX/year> and received an email confirmation of this. Went to the XXXX branch to either wire the money out or to get a check and they would not and the female manager kept saying their system doesnt know when the funds would be available and would not release any money despite showing the confirmation email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified inaccurate late payments showing on my XXXX  XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX  XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.
Product: Vehicle loan or lease

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Visit XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX submitted fraudulent loan documents to Exter finance LLCXXXX XXXX the director of loss mitigation ( XXXX ) XXXX keep on calling me stating, I didnt sign the contract. 

for a stolen XXXX XXXX XXXX which was stolen from me XX/XX/XXXX when I parked it in front of XXXX XXXX XXXX XXXX, XXXX, Pa XXXX. 

I didnt know of this until the threatening calls from XXXX XXXX who took my information and uploaded it on Exter financial website who illegally took {$360.00} a month with {$2000.00} down payment, from XXXX XXXX XX/XX/XXXX for a stolen car. 

Pa state trooper XXXX XXXX stolen car unit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I went to him on XX/XX/XXXX in person on the bus and reported my car stolen to him. 
He stated, my car was stolen and he brought me tags in XX/XX/XXXX for the car that was stolen. 

XXXXXXXX dot never gave me a registration card due to the incorrect title XXXX submitted for the stolen. 

XXXX police report the car stolen on XX/XX/XXXX, when they pulled the suspect over. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score just dropped without cause. My accounts have not changed, my inquiries have not changed, my payments have been made in full, and the only payment I do have is on time every time. Yet my score went from a XXXX to a XXXX. There is nothing derogatory that has happened that would have prompted such a drastic change in my score other than my recent complaint to XXXX for its unethical scoring!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One
Product: Consumer Loan

Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I filed a dispute on XX/XX/year> for the alleged amount of {$16000.00}
Product: Mortgage

I have notified Flagstar Bank that I would like to pay my own property taxes and isurance, i do not have PMI, and filled out all their paperwork to get this removed, yet they are still making me pay into escrow regardless that they will not pay my property taxes. 

At first i was refunded almost $ XXXX the amount in my escrow account, but the last payment they made for my home owners insurance put me in the red, by about {$300.00} for my escrow account. I am not sure why they refunded me that amount and did not keep enough to cover this final payment to my home insurance company. So i made the complete payment, paying off the negative amount and putting me over by about {$700.00} in my escrow account. They have notified me that i am responsible for my property taxes and insurance. which is fine, but when i go to pay my mortgage for XXXX, it still shows that i am still paying into my escrow account. I am unable to get anywhere with their customer sercvice and pay the amount shown as i do not want to pay any late fees or get a bad mark on my credit. Can you help me? basically they are holding on to my money for free... I have really good credit and don't want to take a chance but can't understand why they won't reduce my payment to reflect that i am responsible for paying property taxes and home insurance. thanks.
Product: Debt collection

I've asked this company to only send me mail correspondence. As you can see from this email their threatening arrest and garnishments. I live in Texas so I know that my paycheck can not be garnished. I don't know what this debt is, but they've called me at work, many, many times on my cell phone and I've asked them repeatedly not to call me.
Product: Credit reporting or other personal consumer reports

I have been trying to get you to accurately report mortgage information for a year. You have continuously ignored my full payment of home insurance for XX/XX/XXXX to XX/XX/XXXX, you ignore my bank statement proving I paid it, you ignore the XXXX co reciept of payment for a year, you ignore the cancelation of escrow letters proving there is no escrow, and you have sided with the company repeatedly and unstoppably for a year. The XXXX loan never had an escrow, it was canceled prior to and after they purchased the debt. XXXX has NEVER provided you with proof of payment to my home insurance XXXX XXXX. But u always side with them. I have filed suit against them in state court and they have been served. I hope you will provide me with the evidence they used to affirm their inaccurate debt reporting. I hope its not just their word for it. You know I have subpoena power but that is costly and burdensome to me the victim of their illegal harmful conduct this last year. So please I beg you to help me find out what they gave you to repeatedly affirm the inaccurate debt. Please please please provide the evidence here. 

My complaint explains the inaccurate credit reporting for the last year. Cause XXXX
Product: Credit card or prepaid card

Wayfair terminated their contract with Comenity Bank on their Wayfair store credit card. Consumers were provided a letter in XXXX advising account holders that accounts would be closed due to the termination of the contract between Wayfair and Comenity. Because of the way it is being reported to the credit bureaus, it has drastically reduced my credit score. Their prior credit card holders are being negatively affected, in the middle of a global pandemic, due to a business decision between two corporations.

All of my payments have been made on time, taking advantage of the no-interest financing. Regardless of my exceptional payment history, my score has dropped 75 points due to their decision. 

I am asking that this be reported differently to credit bureaus when it is no fault of the account holder. There should be the ability to show the account closed due to the contract termination between a retailer and their credit card company. See note below. It is not just an inconvenience, it severely damages consumers ' financial health. 

" The Wayfair Credit Card Program, issued by Comenity Bank, will be ending. You can use your Account through XX/XX/XXXX. However, rewards that you've earned through XX/XX/XXXX can be redeemed until XX/XX/XXXX. For any questions, please contact Comenity Bank Customer Care at XXXX ( TDD/TTY : XXXX ). We apologize for any inconvenience. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It 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 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report that I did not make this is considered fraudulent and should be removed. if " verified " please provide documentation supporting this claimed if not remove from credit profile .within 4 days opening this complaint thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

XXXX XXXX XXXXXXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Credit card or prepaid card

I have a Genesis Bank Indigo Mastercard that is holding all my payments as I pay it off frequently for 2 weeks stating this is to verify funds when they are all worldwide verified within 7 business days easily, and if not you can show proof that this payment has cleared your account or have a 3 way call with your bank to verify these funds have cleared. This is an illegal act for holding money and charging more interest on the balance for days that the Card Balance has been paid off. I have contacted them every time I have sent in my full balance payment as to why these funds have not been allowed towards my account. Always getting the same answer by them This is our business policy to hold funds for up to 14 days. Which is by Federal Law illegal to do. I have another Genesis Bank Card by Milestone which it seems they do not use this illegal tactic used by Indigo. This needs to stop or I will file a Civil Class Action Suit against them as this is breaking several Banking and Finance Laws. Please help me correct this by taking action against Indigo Card Services backed by Genesis Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

RE : Flood Insurance Credit for XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Frustrating situation. I have provided proof of Flood Insurance coverage. NewRez charged my account $ XXXX AND increased the escrow balance that increased my mortgage payment from {$1700.00} a month to a whopping $ XXXX! 

Over a three month period, I have tried resolving this matter to no avail. I called speaking with your representatives five times in 3-4 months. I've documented each call. The last call in XX/XX/2022, the rep told me he would take care of it ; he just needed to email the Escrow Dept, something other rep 's didn't do he said. Well, I called today, as well as reviewing my online account. Still unresolved. He misrepresented his capabilities and it is very concerning. Not credited yet! 

I have tried over the last 3-4 months to resolve this troubling issue/charges. I need to hear back from someone at NewRez who can actually DO SOMETHING and clear up this terrible situation, costing my family money when it is unjustified. I have not yet filed formal complaints with the XXXX, and US Consumer Protection Agency, but I am not getting any results and it is hurting us financially. NewRez can email me a response, schedule a time to call to discuss, or simply call ( XXXX ) XXXX. I need to resolve this pressing, financial matter immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. 
XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$13000.00}
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

CMRE FINANCIAL SERVICES COLLECTION/CHARGEOFF Other {$150.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 7 Months Credit Limit Not Reported Highest Balance {$110.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remarks Placed for collection.
Product: Credit reporting

First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.