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

XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter on XX/XX/2021 regarding with inaccurate and unknown things on my credit report. I feel like I am being taken advantage of and ignored by my disputes. In FCRA or Fair Credit Reporting Act section 611 ( A ), it is plainly stated that a failure to investigate these item disputed within 30 days should be deleted from my credit report. It has been over 30 days and I still don't get any response from the 3 credit bureaus. I demand that these item should be deleted immediately as they are causing me stress, this goes to all 3 credit bureaus. I have provide a copy a certified receipt as a proof that it has been over 30 days since they receive my letters, I also provide a copy of my ID as a validity of my Identification.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is not a third party filing this complaint. Attached I have compiled several documents for your review showing how the following credit reporting agencies are violating my consumer protection rights. Please see attached documents and update the following accounts. 
Violators ; Experian, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card with CareCredit for XXXX XXXX in the amount of {$20000.00}. I received notice on XXXX XX/XX/2022 that I was over my credit limit. The reason that I am over my credit limit is that Synchrony Bank added an {$87.00} interest payment, which cause the credit limit overage. My credit scores which were over XXXX have now taken anywhere from XXXX to XXXX points down. The first payment is not due until XX/XX/2022 and I don't understand why my scores are being affected when I am not in default nor did I over extend the card usage. I have never had this happen before and want to know why it is happening now. I have never gone over my allotted credit and think this is very unfair to the consumer. I have worked hard and long to maintain my credit rating and now I can not move to another lender to pay off the CareCredit account because the lender thinks I am in default. I have had a CareCredit credit card before and when I used another lender to pay it off, CareCredit closed the account which also dinged my credit scores out of spite. Please help as I think this is intentional to trap the consumer so that the card can not be paid off using a different lender.
Product: Prepaid card

I submitted dispute claim XXXX on XX/XX/year>. The totaling amount of this particular claim is {$5700.00}. It is approaching its second month of non completion. I most recently contacted the company within hopes of positive feedback and was surely given uplifting news that the funds taken without authorization are being reclaimed. There hasnt been any progression details to follow. Neither email or phone call ; even though I was informed that I would be receiving an email update every ten days. When I did receive an email update it was compromised of very vague details to no communication whatsoever. There have been other payments from merchants that have been included within the said dispute claim. Although, the merchant XXXX is being inattentive with communication towards a swift resolution towards the claim.
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports XXXX and XXXX : WFBNA CARD, Wells Fargo Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX XXXX & XXXX from the accounts that has been charged off. ( XXXX XXXX ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Checking or savings account

On XX/XX/XXXX I attempted to make a zelle payment transfer out of my account which was blocked and I called them they fixed and told me to try it again upon my second attempt it blocked it again. Now I repeated the process and called them got to hold lifted and tried again. But with no fail it blocked it again now this is probably the seventh time that day that the account was blocked due to a transaction and every time I called in immediately to get it lifted I don't know why was so hard. Then they needed a phone number that I can use for verification that was registered to me and I gave him a number which I used every time I had to call them then it just stopped working they weren't allowed to use it now today XX/XX/2021 the phone number did work again but they tell me the only way I can get my account opened or access to it is to go to a local branch I live in XXXX Ohio the nearest one is in Illinois or Washington DC somewhere I do not live in California no more which is where I opened it I've offered him every type of information I can to verify my identity my social my birthday my address telephone number account number debit card number pin number and that is not enough apparently all I want is access to my account and the drain the funds and call it a day
Product: Checking or savings account

A total of {$760.00} was fraudulently withdrawn from my account. I was also subjected with over {$100.00} of over draft fees which the bank would not refund nor remove the charges. This was the 3rd occurance this year of fraudulent activity on my account. I have had an account with Wells Fargo for some time now and am extremely upset with all of these fraudulent activities this past year. Despite all attempts to rectify this I was informed that they would only refund me {$40.00} and credit my account {$33.00} in lieu of the overdraft charges.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no clue why. I routinely check my credit, but these discrepancies appeared out of nowhere. I tried refreshing the page thinking it could be a mistake, but the inquiries didnt disappear. Im beyond frustrated by this and urgently request a thorough review of the documents Ive submitted to get this resolved permanently.
Product: Vehicle loan or lease

XX/XX/year> {$10000.00} Also I would like to have the late fees about my credit cards, student loans, old inquiries and anything else that are affecting my credit removed immediately.
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US CODE 1681i ( B ) ( iii ), it is mandated that Consumer reporting agencies ( namely Experian, XXXX, and XXXX ) are required to furnish a written notification to a Consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of information on Record. This includes providing the name and address of any information provider contacted with their contact number. Way and excessively over 30 days ago, I solicited documentation to substantiate this account, yet I have not received such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
I started sending Disputes to the Credit Agencies in XXXX of XXXX. 
Each time after notifying them that there is information needing to be fixed. Either no response was given, or a generic letter asking to confirm my identity was sent to which I responded again with the same letter and was met with the same response. I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. 
Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. I only approved Credit inquiries from XXXX XXXX XXXX and XXXX XXXX ( NOT AUTO ) Late payments should be removed based on 15 U.S. CODE 1666b Charge-offs should be removed based on 15 U.S. CODE 1601 Repossessions under 15 U.S. CODE 1601 Collections that can not be verified Please remove everything I have listed above as the information provided in my report is inaccurate and goes against my right to privacy and fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.
Product: Debt collection

I am filing a complaint against Schwartz Vays ( Collection Agency ) and XXXX XXXX XXXX ( XXXX XXXX ) for unjust collection fees, mismanagement of XXXX accounts, and excessive fines that violate HOA agreement guidelines. 

Unjust Collection Fee I was charged an excessive {$400.00} collection fee when my outstanding balance was only {$160.00}. Despite repeated attempts to make payments and correct account discrepancies, my accounts were sent to collections without notice. 

Mismanagement & Denied Payment Access My HOA accounts were scrambled, incorrectly combined, and placed on a " Do Not Accept '' list, making it impossible for me to pay on time. I repeatedly reached out to XXXX XXXX, Accounts XXXX ( XXXX XXXX ), but he took weeks to respond, and it was only after months that my accounts were sorted. 

Excessive & Arbitrary HOA Fines The HOA has imposed unreasonable fines, including : {$100.00} fine for a tenant forgetting to bring back the garbage bin, without any prior warning. 
Unjust fines for minor parking violations and not removing a basketball hoop. 
Lack of transparency in fine enforcement, violating the XXXX agreement. 
Sent to Collections While Actively Working to Pay Despite ongoing communications with the HOA to fix account errors and make payments, I was only granted access on the same day I was notified that my accounts had already been sent to collections. 

Failure to Provide Proper Notification I was never informed that my accounts were at risk of being placed in collections. If I had been notified, I would have resolved the issue immediately. 

This has caused financial and emotional distress, as I was making every effort to pay my dues but was denied the ability to do so due to mismanagement.
Product: Mortgage

I applied for a biweekly payment plan in XX/XX/XXXX. 
Upon applying, I was required to prepay two months of payments upfront. 
However, until XXXX this year, they came up with unreasonable excuses and forced me to prepay a total of three times just to maintain the biweekly payment plan. 
Even when I called XXXX to explain the errors, they wouldn't listen and repeatedly insisted that I needed to prepay two months again to reinstate the biweekly payment plan, like parrots. The inconsistency of their responses seems to be because they use XXXX  staff. 
Although my payments were set up for auto-debit, they claimed not to have received the payments, stating that the bank rejected the transaction. 
On XX/XX/XXXX, XXXX XXXX made me prepay two months ' worth of payments for third time this year. While explaining the issue to her over an hour, she (? ) or someone manipulated on the company 's website to suit her narrative. She even suggested that she would refund the money if the bank wouldn't had rejected the payment, which felt like a cheap excuse. 
When I called the escalation department and spoke to XXXX, her response was the same as XXXX 's. They acted solely based on their terms. 
This mortgage company has made me prepay two months ' worth of payments three times within a year under setting up auto-debit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of XXXX XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

My concerns remain unaddressed despite my attempts to resolve this issue directly with TRANSUNION through Certified Mail.
Product: Debt collection

1 the entire amount was {$400.00} plus 2 I try to get my annual fee remove because I was n't aware of it. 
3 I closed the account so I can pay the amount little by little but nex mouth was XXXX or XXXX more 4 I wanted to pay them what I owe but the y keep on bringing the amount up 5 the were always extra fees or purchase from California I do n't live in California
Product: Debt collection

Capital One gave no attempt to fallow the fair retaliation process on collect the debts that I owed them. I went from making over 380k a year to losing my job in the XXXX XXXX. I had never received the certified letter that they were suppose to send out before taking court action of a judgment against me stating below. These laws as state were created to not case undue hardship on the consumer. one debit is for around 7 thousand and the other is for around 17 thousand judgments were taken out on XXXX XXXX XXXX XXXX. 
Validation Notice Requirement o The debt collector is required to send the debtor written notice within five days after the initial communication with the debtor of the consumer 's 21 right to obtain validation of the debt. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R.

18.16. 
o The FDCPA requires the written notice to contain the following information : n Amount of debt ; n Name of the creditor to whom debt is owed ; n Statement that unless consumer, within 30 days of receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; n Statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and n Statement that, upon consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.18. 
o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16.
Product: Credit card

I had a minimum payment due of {$50.00} with XXXX XXXX XXXX  on XX/XX/XXXX. My bank shows my payment ( of {$200.00}, four times the amount due ) sent electronically the day payment was due, XX/XX/XXXX. Synchrony Bank claims they didn't receive the payment until the following day, XX/XX/XXXX. They charged me a {$30.00} late fee on a {$50.00} payment due that was, at most, hours overdue. They also refused to provide documentation showing that the payment was received late. They refused to reverse the late fee, stating they only do a " courtesy late fee adjustment '' once every 12 months, and they had done so on my account in XXXX 2023 ( under similar circumstances ).
Product: Mortgage

I have been ACTIVELY trying for XXXX years to have my mortgage loan that I have with Wells Fargo assumed XXXX I was told by Wells Fargo many times that my loan ( which was modified in 2015 ) is eligible for assumption. The person assuming the loan has lived maintain this home with me the entire time. My name is not being removed from the deed and my address is not changing. Still, when she called to start the process, as instructed, she was told that we have to pay XXXX penalty because FHA is viewing it as a sale. It is not a sale. This is a lateral move. We would like to be able to move forward with the assumption by XXXX XXXX XXXX without the XXXX fee.and just the normal processing fees.
Product: Mortgage

I was sent in writing by the loan officer, XXXX XXXX XXXX, I didn't qualify for a mortgage due to residing in different states and overseas. That should have nothing to do with getting a mortgage. How does the military ever get a mortgage if that's the case? 


UW Comments : Borrower has not resided in one place of employment or residence for more than 6 mos a time. Resided in several states including XXXX.