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

**If its anything over {$1.00} they are to return the money PERIOD! 
( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX 12 CFR 1026.21 - Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX Account # XXXX, Account Name : The XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX filing, 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.
Product: Vehicle loan or lease

Back on XX/XX/XXXX, I redeemed my GM rewards points of XXXX, which will be XXXX towards my GM lease payment. I was told their GM rewards department it will take up to XXXX business days to be applied. Also, I recv a confirmation email showing proof of this redemption. So, after 7 days, I called Gm Rewards dept on XX/XX/XXXX to see why the amt of XXXX has not been applied to my GM lease? Instead of explaining what's going on, I was cold transferred to the GM leasing dept/division. At that time, on XX/XX/XXXX, gm leasing dept said they don't see it and to call the rewards dept back, I did, only for them to make more sense. The rewards department can at least prove they attempted to redeem my points by sending me the email with an authorization #, but GM financial kept passing the buck. So, about XXXX weeks later, XX/XX/XXXX, I call gm financial and demand something is done, its not adding up or good business. So, GM Finance finally submitted an IT ticket to see what happened. I waited another week, so on XX/XX/XXXX, I call gm financial @ XXXX and spoke to customer service. I was told after XXXX being told to call rewards. Not until I insisted the rep check my notes in my acct, did she then say the wrong ticket was submitted, so she submitted another ticket to find out or trace the transaction. Still no answers or credit. Now, on XX/XX/XXXX, I was told to submit an email with proof of redemption. Now, on XX/XX/XXXX, told still working on it, no time given. So, today XX/XX/XXXX, I chatted on line with gm financial and was told they stopped the redemption to lease pmt process, but they are still looking. I asked can they just give the points back. Gm Financial said " when they track it down ''. Not Fair or Acceptable. Please help me either find a way to get these two dept honor their program.
Product: Payday loan, title loan, or personal loan

I took out a small personal loan with Possible Finance over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. 
Upon checking my credit report, I found that Possible finance reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. 
I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. 
Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. 
My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. 
Report my account as current, and remove the late payments from my payment history!
Product: Credit reporting or other personal consumer reports

I have seven hard inquiries on my report that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of XXXX that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose. 

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX
Product: Student loan

During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.
Product: Vehicle loan or lease

In XX/XX/XXXX, my company, XXXX XXXX, applied for credit to finance a XXXX XXXX XXXX trailer through XXXX XXXX XXXX XXXX in XXXX, XXXX. I executed a credit application and later, contract, for financing under the business name and personally acted as a guarantor for the business as is standard procedure. The loan company/bank, XXXX XXXX XXXX has since made monthly " personal '' credit file account updates showing my $ XXXX debt to XXXX and XXXX files XXXX appearing XXXX though i've opened a personal credit card, and am always at 100 % utilization. I've requested this be fully removed from my personal file, they object, yet can not show anywhere in my signed contract where i agreed to this. Furthermore, we agreed to a much " higher '' XXXX finance rate to have the loan through the business versus personally. I believe the difference in XX/XX/XXXX, was XXXX or 10.99 % apr versus our company loan at XXXX  %. To make matters worse, among several other issues, the loan company has NO online method of payment monthly for this XXXX. term loan. I've inquired several times, and they claim they're " working on it '' but that we can ONLY mail in a check or pay via credit card over the phone. We are a business, so we setup automatic bank scheduled check payments to XXXX for months in XXXX. XXXX routinely, almost always, either claims they didn't receive the payments or cashes/deposits them several days/weeks later then they were mailed. We receive collection phone calls daily 7 days a week even though we've paid over our required {$XXXX} monthly payment amount each month. We physically mailed our payment on XX/XX/XXXX, due XX/XX/XXXX certified mail, XXXX shows it was delivered XX/XX/XXXX, as of XX/XX/XXXX, it was not cashed, and was later returned on XX/XX/XXXX, with the check defaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Product: Mortgage

Please explain to ME how someone that owns the title, has ALL the utilities and insurance in her name, ME... AND all the taxes including exemptions are also in MY name ... should be required to pay PENNYMAC or FHA money to remove my ex-husband from the PAPER known as MY loan? These predatory service providers would like nothing better than for me to utilize my equity to further in enslave myself to their practices. When in fact I have been awarded through divorce, quit claim and by paying ALL the above stated taxes insurance etc. I am asked to QUIALIFY? I have been asked to send them copies of my bank statements etc. Actually, PENNYMAC spent huge amounts of money just to change their logo! A more prudent use of cash would be to assess and review their policies. They have spent more than {$300.00} in mailing me THEIR dogma. Even if I were to utilize " squatters rights '' I have met the burden of proof by not only living here more than 20 years ... Washington State law only requires 10 years to claim direct ownership by adverse possession. My ex-husband has not lived here nor entered the property since 2018. Maybe PENNYMAC should pay me for keeping HIS name on MY paper.
Product: Money transfer, virtual currency, or money service

My wife and I bank with Wells Fargo. My wife received a call from what she believed was XXXX to fix a fraud complaint and they sent a message with a link. Unfortunately, it was not actually XXXX and the link ended up enabling the person ( s ) to send XXXX transfers from our checking account into their account. 

This occurred on XX/XX/2022 and we notified Wells Fargo immediately, prior to any fund transfers being completed. They didn't take any action to stop the transfer ( s ), which totaled {$2300.00}, the fund transfers ultimately went through, and Wells Fargo is refusing to reimburse us claiming that these transfers were " authorized '' by my wife. They seemed to base this on her handling the link she received from what she thought was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnions housed incorrect and false data that was supplied to credit and service providers who in turn took negative action against me because of the false data housed by TransUnion. 
At the time I could not gain access to my credit report and TransUnion would not provide me with a copy of my credit report when I called multiple times. TransUnion have since created a new file in my name which does not contain all of my credit information, so my file continues to be incorrect and negatively impacting my financial status. 

TransUnion refuses to provide me with access to the historical information and data that was collected about me and used against me by credit issuers and service providers. 

TransUnions has evaded all requests placed directly with them and TransUnion continuesto fail to provide notice to the creditors who used the incorrect data against me that the data they were provided with was incorrect. 

I can not get answers or a response from TransUnion and their call centre staff hang up the call when I ask to raise the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. XXXX XXXX  originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for XXXX XXXX  to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.
Product: Vehicle loan or lease

This company seems to have the innate ability whereby some months, payments are never applied correctly. Case in point : XX/XX/XXXX Statement from XX/XX/XXXX shows an amount of {$480.00} which includes the XXXX due for the month plus {$85.00} in fees which this institution give absolutely no way of paying them without the added inconvience of calling their offshore very rude disrespectful customer service ( or lack there of ) and having a form filed to re-allocate in XXXX business days. 
But i digress .... On XX/XX/XXXX a payment in the amount of {$120.00} was made towards the balance of {$480.00} which after it took XXXX business days to process ( which most banks process transactions in a single day ) should've left my balance at XXXX ( meaning {$270.00} due for XXXX 's payment plus the fees ) ; However, it shows i owe my normal amount of XXXX even though the payment was applied toward principal and interest. So, how is it your organization can update all facets yet not show a correct amount due for the month? 
This is starting to become concerning as it feels I am being misled, which i don't think any organization wants its members to feel as if they constantly have to monitor their account to make sure nothing unethical is going on. 
Oh, and on a separate note, Supervisor XXXX I spoke with started the call acting like her namesake until i cordially reminded her that i had all my facts and this was not the first time i had to complain about the misallocation of my payments ( XX/XX/XXXX i had to complain thru this medium about the same issue ) that XXXX lost her entitledness toward me ....
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2019. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Reporting Inaccurate Late Payments Violation of Consumer Rights Dear XXXX, Equifax, and XXXX, I am writing to formally dispute and express my serious concerns regarding inaccurate late payment reporting on my XXXX credit card account, which was opened on XX/XX/year>. Despite disputing this account twice, neither XXXX nor the credit reporting agencies have provided any legitimate documentation showing that the alleged late payment is valid. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate reporting, and I have specifically requested proof substantiating that the alleged late payment was truly late. Unfortunately, the billing statements you have provided are insufficient evidence to support this claim in accordance with established case law, such as XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX. In that case, billing statements were found to be inadequate in proving late payments. 

Moreover, the continued reporting of this inaccurate late payment may be in violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). The refusal to provide sufficient documentation could be seen as a deceptive and unfair business practice, subjecting XXXX and the credit reporting agencies involved to legal consequences. 

In light of the above, I strongly urge XXXX, Equifax, and XXXX to take immediate action by removing the incorrect late payment from my account. Should this matter not be rectified promptly, I will have no choice but to escalate this complaint to the FDIC and pursue further legal action to protect my rights. 

I trust that you will investigate this issue thoroughly and address this erroneous reporting in compliance with the law.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account CNAC - XXXX XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts and inquiries on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : 1. XXXX Account XXXX : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account Number : XXXX Sincerely, XXXX XXXX