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

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XX/XX/2020 from XX/XX/2020 due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Product: Credit card

I have a credit limit of XXXX on my chase credit card. I ca n't control my wife 's spending so I chose to carry a balance of XXXX thus limiting her spending to XXXX per month. This has been working fine, when the card reaches its limit the charge is declined and my wife stops charging until the balance is paid. I just got the latest bill and the balance is over XXXX. I called the bank to inquire how I was able to exceed my limit and their answer was that they have patterns and practices that allow clients to exceed their limits. Because of my prompt payments they allowed me to exceed my limit. If they would have sent me a letter saying that they are increasing my credit limit I would not have authorized it. Here they increased my debt ceiling without saying a word to me. How can I manage my finances when the credit limits are not enforced. To add insult to injury they said once I bring my balance below the limit they I can select to make the credit limit a hard limit. When did the limit become soft? How can they without my authorization increase my debt ceiling.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My minor child was a sent a letter from Aldous & Associates.

I called and asked to speak to a supervisor. Man named XXXX XXXX Assisted me. He became angry when I told him my son is a minor and this was a fraud. He hung up on me. I immediately called back spoke to XXXX XXXX, he forwarded me to XXXX XXXX. I explained that my son is a minor and that this gym they are referring to has been closed down since last year due to the pandemic. The gym also wouldnt allow a minor to sign up. 
I also requested a copy of the contract. I was hung up on again.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) (
A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit card or prepaid card

Hi, I opened an Old Navy Credit card with Barclays bank last year. When I got the statement, I noticed a late fee. I called the bank and made the payment for my merchandise in full ( XX/XX/2022 ) and requested that they remove the late fee, which they graciously agreed to. Once they assured me of a zero balance, I also requested they cancel my card and delete the account. This was dine as well. They did mention that I should see zero balance in my next statement as billing takes some time to process it. However the next state I got had a late fee again. So I called immediately. The agent asked me to ignore these and said the waiver is still under process. But I need not worry, once it is processed I should see a zero balance. The next month I got another statement, and this time with more late fees. I called again and got the same response. To ignore. And that is what I did. Today I got a bill for over {$210.00}. My husband called the bank and was told now that there was a {$2.00} residual interest fee slapped on the card AFTER the card was closed and that I did not see. That fee does not get waived. It grows with {$40.00} late fees added to it. Through that loop hole the bank continues to charge you till you pay up. This is a SCAM!!! Pure harassment for us.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Accounts # XXXX, XXXX and XXXX, Account name, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter back in XXXX XXXXfor some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.
Product: Bank account or service

The Bank of America XXXX pay language is very misleading. When choosing how to pay your credit card it gives you multiple options, one option is " Amount Due '' which you would think would mean the amount you spent that month but it actually means the minimum amount. If you want to pay the amount actually due on your credit card bill you have to choose " Pay Balance '' which is confusing because this language differs from most other credit card companies. I find this wording particularly confusing. I have spoken with multiple people about this and many have had similar experiences and incurred extra fees as a result.
Product: Mortgage

I am a single mom who bought my home with my XXXX in XXXX ( we were never married ). My daughter and I have an XXXX of XXXX XXXX XXXX XXXXXXXX against him since XXXX, he is legally not allowed on or near the property. I have been trying to get a loan modification for just my income because it is just me and my young daughter living in the property. My mortgage company has told me that all I need to do is get a quit claim deed signed by my ex relinquishing rights to the property. I have been fighting for XXXX years to try and get this signed and I have gone into foreclosure. Again my mortgage told me that all I needed was to get this signed and I could get my own modification. My ex sold his part of the property to a random real estate company without my knowledge or signature, which then offered me to buy a quit claim deed from the real estate company for {$1900.00} and it will be just in my name. I have paid the {$1900.00} and now have the property just in my name. As soon as I contacted the mortgage company to let them know that I got it signed they are now going back on their word saying that even with the quit claim deed showing my ex has relinquished rights to the property I would still have to have my ex sign a modification with just my payments. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX being lied to and paying all of that money just for them to say there is nothing I can do now. I have a stable job that I have been at for XXXX years and I still can not get a modification just in my name after the countless times that I have been told by my mortgage company that I would be able to get XXXX. I have written down multiple names of the representatives that have told me verbally that was all I needed. I was in a covid forbearance plan which my mortgage company told me at the end of the forbearance that I could resume payments and that the amount owed would be put at the end of the loan and the loan would be extended or that they would offer me a loan modification. The forbearance has ended and no such offer has been made. My foreclosure sale is scheduled for XX/XX/XXXX and I am terrified that I am going to lose my home after all of this time that I have been fighting to save it. I asked if there was a special circumstance that they could accept a modification without my ex 's signature seeing that I have an OFP against him they said sorry for the miscommunication. How can XXXX years of being told one thing be a miscommunication? I feel scammed by my mortgage company and have considered hiring a lawyer to look into this because I am just shocked at how they could be this dishonest it is just not fair. I have been through so much all I want to do is make payments and keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several letters advising them to remove an inquiry off my credit report from XXXX XXXX  XXXX XXXX  as I did not authorize XXXX XXXX to run my credit report. XXXX XXXX has sent equifax several notices advising them to remove the hard inquiry from them off my credit file. Nothing has been done. Ive mailed a letter from XXXX XXXX to equifax advising them to go ahead and remove the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit.

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Experienced Identity Theft These inquiries in my credit history are the result of improper usage of my social security number. I am not aware of any of these inquiries, but they are all being investigated by the FTC. I've been attempting to settle this issue for almost 5 months and have been ignored, which is a violation of my knowledge.
Product: Debt collection

I have previously filed a complaint with this same company, Triton Recovery, back on XX/XX/XXXX. This new complaint is for the same reason. I have a family member who owes a debt and is working to repay it. They fell behind and missed a payment and Triton is now texting me again. I called Triton today on XX/XX/XXXX and spoke with XXXX XXXX phone number XXXX XXXX, email XXXX. I advised her this had happened before and I needed my phone number removed from their collections information for my family member. I was informed that they could not do that. It was on me to be a " good brother '' and make sure my relative calls Triton to stop them from contacting me. This sounds illegal. I do not nor have ever owed a debt to Triton. They need to stop contacting me instead of putting pressure on me to have my relative call. This has happened twice now.
Product: Credit reporting or other personal consumer reports

My information was compromised in equifax data breach please see attachments
Product: Credit card or prepaid card

I opened an American Express Delta Platinum card earlier this year and they have not sent the XXXX  mile sign up bonus, nor any miles from my purchases to my Delta SkyMiles account. I have spoken with both Delta and AmEx multiple times over the past month to confirm that they have my correct SkyMiles account. The last conversation I had with AmEx yesterday, they saw that none of my miles had been sent and werent able to tell me why. They opened a case but said it would be over a month until I heard back. There are flights I have been waiting to purchase that have gone up by multiple hundreds of dollars/multiple thousands of points while waiting for my points to come through so this has cost me significantly from a financial standpoint.
Product: Checking or savings account

Price was marked at {$490.00} for a sale item they claim it wasnt a sale it was wrong price and wont honor it!
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recieved my background check tonight XX/XX/XXXX I simply was applying for a job at XXXX XXXX and just recieved that I'm a XXXX XXXX which is absolutely wrong. Which I wan na dispute and get rid of from my record. I feel that possibly someone is using my social or other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB - I am resubmitting my complaint against SHELLPOINT MORTGAGE SERVICING. Please refer to closed complaint XXXX for additional history. Shellpoint Mortgage has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, Shellpoint transmitted an update to XXXX that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why Shellpoint refuses to update my XXXX from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates Shellpoint just recently updating my account status. This event update contradicts what Shellpoint Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that Shellpoint must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. Shellpoint 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with Shellpoint, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about Shellpoint.
Product: Debt collection

I got a letter from a company new century financial services inc saying was sending a subpoena duces tectum without deposition to my credit union for a credit card that was fraudulently open in my name in XX/XX/2007. Learning this from the letter I put in a motion to vacate and set a hearing describing this is fraud. I never had a credit card, still DONT unless I can just put money on it to spend. This motion was denied, still do not have a date for this. Someone was using my identity apparently in 2007 and I am now paying for this. I need this to stop so I am putting in this hoping the person that did this is found. I am not paying for someone else stuff! I. Dont even know how I was not notified about this fraud until almost 20 years later!
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX XXXX are reporting different information on a lot of accounts for instance XXXX XXXX XXXX XXXX XXXX XXXX Are all reporting different balances and account statuses these are affecting my credit when according to 15 USC 1681 all three bureaus are to report accurately or delete the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, and I am submitting a complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureau has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and Experian... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Product: Mortgage

When my loan transferred in mid XXXX, I requested removal of PMI via phone while creating my new account. Customer service rep said they submitted request. No response or record of it. 

When I did not hear back, I resubmitted request in writing XX/XX/XXXX through their message center. Still no response except for " message received '' immediately. 

This is the second mortgage company that has ignored my request for PMI removal, even as they are constantly trying to push home equity loans of more than XXXX on me. Is this now standard practice? 

Today I requested a timeline for removal. No response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Credit reporting or other personal consumer reports

I have reached out to the company about the inaccuracies that are being reported on my consumer file with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX, XX/XX/XXXXXXXX  The following account XXXX XXXX XXXX account XXXX XXXX with a balance of {$800.00} on my Experian file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.