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

Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE
Product: Credit reporting or other personal consumer reports

Around the end of my Loan, I started to get all kinds of false information placed on my credit report stating I was extremely late on payments, as you will see in my downloaded information that this is false! This went to XXXX and also XXXX XXXX lowering my credit tremendously!
Product: Credit card or prepaid card

I canceled my credit card with First Horizon bank in XXXX in 2020 after the merger of Iberiabank and First Horizon Bank. I went to the branch in XXXX in XX/XX/2020 to check on the status. They said they had issued a credit card and I told them I did not receive it. So they should cancel the card. As I was checking my score on XXXX and XXXX I noticed that a XXXX XXXX credit card on the report. I contacted XXXX and XXXX to ask them to remove the card. I was told to contact the bank. 
I contacted First Horizon and was told that a new card was sent to XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I checked with XXXX XXXX who owns the house and his sister who lives there and they say the card was not received. 
I contacted the bank to ask them to investigate to find and cancel the card. They said my name was on the account as a XXXX of Attorney and that only the account holder can do this. I contacted XXXX XXXX with whom I am not in contact with. 
I wrote a letter to the bank to instruct them to withdraw my name on the account and to cancel any credit cards in my name. They have given me the run around. I contacted XXXX who says their records show a card and that I have to get the bank to cancel the card. 
Despite my requests to XXXX XXXX and XXXX XXXX, there remains a credit card showing up on my report. 
During the period of Iberiabank I had used the card to pay house bills for XXXX XXXX. My concern is that there is a card in my name being used. Despite my requests from the bank and XXXX XXXX, no one has acted. 
I would like to find out if there is a card in my name and if yes, is it being used fraudulently? Secondly, I want my name taken off that account as I do not want to be involved in any finances with XXXX XXXX given that I am concerned about anti money laundering risks. Given that he has a girlfriend which I do not trust,, who knows if she is using that card to pay his bills? 
What can be done to have the credit card and my name removed from the First Horizon Bank account? What can be done to remove my risks associated with XXXX XXXX and his entourage?
Product: Credit card or prepaid card

I recently had business a credit card account with Capital One, with an APR of XXXX %. Like many, our business suffered a significant decline during COVID19 and around XX/XX/2020, we reached out to Capital One to request an Coronavirus assistance they had available. The option we were offered was to accept a deferral of our monthly payment, which we opted for in order to buy us a little breathing room on monthly debts. Unfortunately, we misunderstood this particular program and thought it was similar to other programs where we were afforded XXXX months deferral. However this was only good for XXXX month and we were a day late in requesting an extension, which as we learned now is equivalent to " missing a payment '' in Captial One 's book. We continued in this deferral program until this month, when we reached out to discuss with the bank if there were any options to help us reduce the interest rate or find a plan to pay off the debts. While the deferral was helpful, it was just kicking the can down the road. At was at this point that we learned that our interest rate was not XXXX  %, but had been increased to XXXX  % because of missed payments. Even though we were in Coronavirus protection program from XXXX - XXXX, because there was XXXX times where we requested the extension a day late, we were hit with a Predatory interest rate, without ever being told. I am infuriated as I revisit this experience in typing this. How is this even legal? How are credit card companies, during a time of record low interest rates, allowed to legally charge customers interest rates of XXXX %? All the while without informing the customers of such a predatory rate increase. This is worse than most pay day loans. Capital One refused to even consider correcting the issue. They offered no assistance in finding a way to restructure the debt so that we can pay it off. NO, they only wanted to continue to allow me to defer my payments while continuing to tack on XXXX % interest on the balance every month. Capital One needs to be investigated for this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute the collection account associated with XXXX XXXX XXXX  XXXX, Account XXXX, which appears on my credit report. Upon reviewing my credit report, I discovered this entry, which I can confirm is inaccurate and does not belong to me. 

Firstly, I have never received any notification or correspondence from XXXX XXXX XXXX XXXXXXXX regarding this debt. I have repeatedly requested proof, such as certified mail, demonstrating that they have purchased this debt and informed me of its existence, but to no avail. It is important to note that this debt has also surpassed the Florida statute of limitations for collection, further underscoring its invalidity. 

Additionally, my attempts to resolve this issue directly with XXXX XXXX XXXX XXXXXXXX have been met with silence. Despite reaching out through channels such as the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ), they have failed to respond to my inquiries and verification requests, which is a clear violation of my consumer rights. 

Moreover, I have lodged multiple disputes regarding this erroneous information with Experian in the past. However, I have yet to receive satisfactory clarification on how this information was verified and who was consulted in the verification process. As per consumer law, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( D ), and 15 USC 1681s-2 ( a ), I am entitled to know the specifics of how this debt was verified, especially considering it does not pertain to me. 

Therefore, I urge Experian to thoroughly investigate the validity of this collection account and provide me with detailed information on the verification process. It is imperative that this inaccurate information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt resolution and the removal of the disputed item from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.
Product: Mortgage

Rocket mortgage charged me {$500.00} up front for an appraisal they insisted on before going forward with the loan process past the pre-approval. Once received and appraisal completed I was not satisfied with the appraisal and they refused to assist in getting corrections made to it that were incorrect and inconsistent. They strung me along from XXXX through XXXX asking for more document and updated documents almost daily. They requested complete access to my bank accounts. Underwriting took so long to process each document that the previous documents that were given to them would expire. This drug on so long my original appraisal expired and they sent the same appraiser out again for a new one even though I had requested they send another agency out. I spent hours amd hours gathering documents for this loan. In the end I was told after even making a date for closing that there was a lien on my property which I had to resolve- and I did through negotiations with the XXXX XXXX company to temporarily cancel theXX/XX/XXXXXXXX After that I was told that now my debt to income ratio was too high even though the were paying off all of my debt as a condition of the refinance. The only payment I would then have would have been my mortgage and the rental agreement on my XX/XX/XXXX which if added to the new mortgage payment would still been less that what I am shelling out in payments prior to the refinance. I was passed around between several people and asked repeatedly for documents I had already submitted. This process cost me time, money and more stress than was necessary all for the fake promise of an extraordinary interest rate. Also, the closing costs were extremely high for such a small loan. {$10000.00} for an XXXX loan- insane
Product: Credit card

U.S. bank sends promotional checks out in the mail. I am in the military so I move around and apparently it went to my old address despite updating and requesting US bank to please stop sending me promotional materials since 2021. 

Unfortunately someone took this check and cashed it in, leading to a {$550.00} charge on my account in addition to almost a {$28.00} fee charge. 

The crazy part is US bank does this to all of their customers and its an open invitation to fraudulent activity as when I asked they said ANYONE can cash the check, it does not have to be under the account holders name! 

This is a horrible practice and I understand US bank is heavily incentivized to issue these blank checks out WITHOUT the card holders consent or authorization as they make money on the fees and interest they charge. 

This mean anyone with these checks that US bank sends out can cash it in to ANYONE. This is a perfect example on how to hurt consumers.
Product: Credit reporting

This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Experian to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Product: Vehicle loan or lease

This is related to my XXXX  XXXX XXXX, that I purchased from XXXX XXXX in XXXX, SC. It is financed through TD Bank Auto Finance. I have fallen three payments behind and have the means to get a payment plan, to bring the account current. However, TDAF will not negotiate, instead they have 5 or 6 undercover cars following me every day since the third week of XXXX. On XX/XX/XXXX, they broke into my vehicle illegally, and stole my expensive XXXX cell phone -again, an illegal act. Now I got word over my computer that they have used the XXXX XXXX cell phone to access my work email. This work email contains highly sensitive info on clients with the South Carolina XXXX XXXX XXXX XXXX. All around, outrageous behavior. Not to mention driving their loud, ugly cars through the neighborhood all hours day and night. 
No phone right now ( TDAF repo goons have it ) so send email to : XXXX Signed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Product: Debt collection

On XX/XX/year>, I submitted a formal request to LVNV Funding LLC for validation, proof, and verification of an alleged debt they claimed I owed. This request was made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I followed up with two additional requests on XX/XX/year>, and XX/XX/year>, as I had not received any response from LVNV Funding LLC.

To date, LVNV Funding LLC has failed to provide any documentation substantiating their claims, as required by federal law. Despite the absence of validation, LVNV Funding LLC has reported this alleged debt to credit reporting agencies, negatively affecting my consumer credit profile. These actions violate my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am seeking immediate action to have all entries related to this alleged debt deleted from my credit report, as well as permanent removal of any information regarding this account from LVNV Funding LLCs database. Furthermore, I demand written confirmation that this matter has been resolved.

If these actions are not taken promptly, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FDCPA and FCRA.
Product: Credit card or prepaid card

There were multiple charges for gas stations in Florida on XX/XX/XXXX-XX/XX/11of 2019 ( probably 8-10 each XXXX to XXXX dollars ). I talked to someone on XX/XX/XXXX from the CC and was told I was not responsible for the charges and to destroy my card and was issued a new one. After a few day passed, more charges were let through. I called again and and spoke and was told that I would have to sign something and mail it back then they would investigate the charge. 

Everytime you call the #, which is the only way to contact them, you will be waiting a minimum 45 minutes. Very inconvenient with a full time job. 

I have also been charged finance charges on the fraudulent activity. 

I just wish to close my account as soon as possible, but a separate issue about a medical facility taking months to issue my refund and they apparently refuse to issue or can't cause my CC # changed has me sort of tied to my CC if I don't want to lose XXXX dollars. I tried faxing a dispute and talking to a CC rep about this and I get no where. Refuse to help.
Product: Vehicle loan or lease

The co signer and myself co buyer went through a hard ship within the last months due to an emergency and we both called to get financial assistance and both of us were denied and have to some how get enough money to make a payment and every month we called and still no help. We are up to date with payments now but the help was never there and its affecting our credit to continue building it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though Synchrony Bank who refuses to rectify the problem.
Product: Checking or savings account

I received notification from my credit monitoring service that an inquiry was made of XXXX in my name using my SSN and a credit card was issued by TD Bank. I immediately placed a freeze and fraud alert with XXXX, XXXX and XXXX, and notified TD Bank that I had not applied for any credit card. They informed me that a credit card was issued using my personally identifiable information ; name, SSN, home address. They told me that when I received the credit card to destroy it and they put a block on the account. This afternoon, XX/XX/22 at XXXXXXXX XXXX I received the credit card and also a book of checks for an account set up at TD Bank. I did not request either a credit card or a checking account from TD Bank, so apparently whomever applied for the credit card set up a checking account as well. The name and address on the checks is my name and address, but the phone number is different. I XXXX  the telephone number ( XXXX ) on the check and it is listed to a person by the name of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX MA. My middle initial is not XXXX, and my telephone # is a VT area code XXXX. TD Bank keeps sending me in circles with the automated help lines that have not provided any information on the checking account. I have confirmed the credit card has been blocked but have not been able to obtain any information on the checking account ( number XXXX ).
Product: Debt collection

This is a complaint against XXXX XXXX XXXX. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers  should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Reference # XXXX I applied in XXXX for the Home Depot card and was denied. In the denial letter the following was listed as reasons based on my XXXX   report. 
My credit score was stated to be XXXX Serious Delinquency Lack of recent bank / national revolving accounts Too few accounts paid on time Length of time accounts have been established I have reviewed my XXXX  report and XXXX XXXX score and there are multiple discrepancies in the denial and the actual information on my report. 
XXXX XXXX score shows XXXX XXXX score is XXXX I have 3 open accounts 1 auto and 2 installment loans which have all been paid on time and report as paid as agreed. I have 1 closed auto loan that shows paid as agreed. I have several installment loans that are closed also showing paid as agreed. I have had the current auto loan 2 years next month. I have attempted on several occasions to contact the company at the listed # XXXX but have been unable to be connected to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

2Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXXReported Address:XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXTN/ACCT # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date :XX/XX/2016Inquiries