23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$850.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Chargeoff XX/XX/XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Chargeoff Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT
Product: Credit card

In XXXX, secured a line a credit via Care credit ( Synchrony Bank ) as advised by my dentist to assist with additional coverage amount needed that would not be covered by my dental plan. The amount approved was XXXX at full-time employment. When, my payments schedule was calculated and adjusted I could n't make the required minimum payments and reached out to synchrony bank many times to adjust my payment as I lost my full-time job to part time status. I ask to reduce my payment and was denied on multiple times. I sent what I could, but it was never the required amount of XXXX. Each month, I was always late and I constantly called only to get a foreign accented person that would put me on hold to see if I qualify for a special program, then told " no. '' So, every month I paid what I could afford to send and every month I received calls saying I was late. Noone would help me reduce my payment, they said my account was too new and that I did n't qualify for there special program. I asked what program was that, but got another foreign person who could n't explain it to me, but would transfer me to another XXXX manager, who basically stated the same thing. Finally, six months later, I requested a seize and assist on the constant collection calls that called me every day on both my home # & cellphone #. However, no one from synchrony bank would help me lower my payment and expected me to pay XXXX on a limited income. I called in XXXX XXXX and spoke with someone in their collection department that spoke XXXX named " XXXX. '' She gave me a settlement offer and told me that the account was going to charge off in 169 days. At that time, I could n't pay the settlement but told her the account had already been charged off and posted to my credit file in XXXX XXXX ... it posted to all XXXX credit bureaus which lowered my credit score and negated my opportunity to try to get any funds to pay or accept the settlement offer. However, knowing that I have 169 days before it leaves the office, I 'll call back for another offer. 2 weeks later, I got a certified letter from an attorneys ' office in XXXX, NC regarding this account. I was soooo frustrated and puzzled, I called the office and never spoke to the atty, but vmail. Only vmail back and forward, basically stating that I was surprised that this account was with them and left reasons. I felt I was violated without rights to settle and never heard back from this atty. I called back to synchrony bank and spoke with someone again..XXXX and express my strong concerns and violations of rights to settle. The account was pulled back from the atty. Noone still has yet to contact me until XXXX/XXXX/XXXX. I just got a letter stating that this account has been sold to XXXX XXXX XXXX XXXX and if I have any questions, I should contact them. This has been a true nightmare. I 'm not trying to get out of paying, but I just needed to adjust my payment amount until my income increased. ..all phone calls were recorded. Help ... this is not right at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took an auto finance loan with Hyundai Motor Finance ( HMF ) in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with HMF, cashed by HMF, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and HMFs own records show that they were timely received. 

However, each month, HMF improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with HMFs payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. HMF hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, HMF has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. HMF has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence HMF will be able to appropriately manage and process payments going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX score dropped by XXXX points due to two late payments on my personal line of credit from XXXX XXXX XXXX XXXX. After paying off the balance in XXXX of XXXX there was a residual balance of {$0.00}. I tried to pay the residual balance online but for some reason the app did not allow me to do so. So unfortunately I ignored the discrepancy. In XXXX and again in XXXX I was charged late fees of {$25.00} and late payment notifications were sent to all three credit bureaus due to a {$0.00} balance. My FICO scores them dropped by XXXX points from XXXX to XXXX with Experian. I filed a dispute with Experian which resulted in no change in XX/XX/XXXX. I then contacted my credit union. They apologized for the discrepancy, refunded the penalty charges, and submitted revocations of the late payments to the credit bureaus on XX/XX/XXXX. 

I have attempted to refile a dispute with Experian but was not permitted to do so because of the previous dispute. So far Experian as not acknowledged XXXX revocation report and I do not know how to get their attention to restore my FICO score. They are impossible to deal with. All they do the s try to upswell customers with useless financial products and make it exceedingly difficult to get any useful support. 

Why should a late payment on an account with a balance of XXXX cents cause a FICO score to drop XXXX points? There is no qualitative assessment done when calculating these scores. Further the FICO score algorithm used to calculate the score is completely unknown to the consumer. As such the consumer is unable to reproduce or calculate their own scores to validate the credit bureaus results. This is wrong. After they destroy your credit they then begin up selling their financial services which is completely outrageous.
Product: Credit card or prepaid card

1- I bought a XXXX XXXX XXXX XXXX, In XX/XX/2018 using XXXX. The watch did not work properly, I was concerned because I got it over sea. XXXX, the merchant, and I worked this problem out, and the watch was properly returned in common agreement ( I have all the evidence showing this : emails, returned labels, post office receipts, etc ... ) 2- I initially informed citi double cash of the problem. Even though, I told them the way I made the purchase, they mistakenly took the event as a fraud case. The way the item was paid was through XXXX. XXXX, held the payment for this transaction all the way to XX/XX/2018. I asked XXXX to refund Citi double cash, XXXX told me that they could not do anything and I needed to call Citi double cash. I did call Citi card several times, but they did not listen. 

3- Someone in Citi double Cash fraud Office made the decision that it was no fraud ( which it never was ), this person in Citi Double Cash passed that decision to XXXX where the MONEY ( {$390.00} ) was held. XXXX base on that decision send the funds to the Merchant. 

4- All the above information, was gather through months of this ordeal for me, and on three way phone call with XXXX , Citi Double Cash Agent , and Me, on XX/XX/2018. This event was immediately followed by another three way phone call with XXXX, CITI DOUBLE CASH AGENT, and Me, all at the same time. All of this in the afternoon, on XX/XX/2018. 

5- As it is right now, XXXX , and XXXX said to me that they can not open any dispute with this crook Marchant because of the fraud decision this careless Citi 's employee made, and Citi double cash has not done anything to clarify and fix this problem. So, I am frustrated because I can not do anything to solve the problem. 

6- I do not like this credit card company anymore, so I paid all the balance I owed on this card EXCEPTING this transaction ( {$390.00} plus interest and penalties they are now charging {$500.00} ) and I cancelled this credit card.
Product: Mortgage

During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. 
It begin XXXX when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of XXXX months making payments equal to {$650.00} and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a XXXX of point from 4.625 % to 5.000 % and the new mortgage only reflected a {$69.00} monthly savings and they took it from a XXXX fixed ). Not even close to what they have promised to lower the interest rate keep the 30yr fixed and save {$280.00} monthly, but even more confusing was to find out through the Loan Officer that the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it XX/XX/XXXX but rather they executed the loan XXXX years later meaning XX/XX/XXXX at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. 
Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received XXXX letters via XXXX Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially made Experian aware of the crime of identify theft that was committed against me. Experian conducted an investigation that yielded results that I did not agree with. I got a letter in the mail saying to send in additional documents if I had them. I then sent Experian a copy of the Police report detailing that my identity was stolen and the party involved was arrested. At this point I don't know what else Experian needs to correct the fraudulent information that was put on my report during the course of committing this crime.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I check it all the time, and suddenly, there are discrepancies Ive never seen before. I refreshed the browser to see if it was a glitch, but the accounts didnt go away. Im requesting that my documents be reviewed thoroughly, so I dont have to keep stressing about this anymore.
Product: Money transfer, virtual currency, or money service

I am concerned with Xelles disputes following the lawsuit that highlights such issues. That Zelle was unable to dispute or handle lost funds. And were unable to track or dispute any issues i had. Cfpv findings indicate that Zelle failed to protect customers and allowed scammers to be successful. The lack of accountability is alarming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit a few months ago I noticed that there was inaccurate information on my Equifax report. I have reached out to them multiple times to get an investigation done and they failed to conduct one. They never provided results to me and they still have not responded to my letter on XX/XX/2022 where I provided them with more information. The FCRA states that they have 30 days to respond and they did not. They continue to report inaccuracies after being notified.
Product: Credit reporting or other personal consumer reports

I sent documents to Experian with XXXX balance to show proof of balance. This has not been change nor updated.
Product: Credit card

I check my credit and i notice accounts that i did not authorize my personal information was exposed on the dark web and i believe my personal information was used in that matter this accounts are fraud i have never given any one consent to open these account
Product: Checking or savings account

Robinhood is charging me a fee for a line of credit they now refuse to honor. This cost me roughly {$150.00} today. Robinhood 's scam to charge a fee but not provide a service is ridiculous and shouldn't be allowed.
Product: Mortgage

I would like to put in a complaint against Selene Finance and the lender who has my mortgage. I have tried several times to process a loan modification. They are not calculating my income correctly. I keep getting denied as they state I do not make enough money. I was placed on furlough from my current employer from XXXX due to the COVID-19 pandemic. They state that they are willing to help for whoever has been effected. However, they are not calculating the money I received off of unemployment. Why do they ask for 3 years worth of tax returns and W-2 's if they are only going to look at 1 year? Selene also states that they will not use my boyfriends income as the lender does not allow it. However if we were married they would. Even though he is not on the loan. Basically I am being punished for not being married. My boyfriend and I have been together since XXXX and we have lived at the property together since the day it was purchased in XXXX. In New Jersey this is considered common-law. We have written several letters to Selene, basically to be denied every time. This has been going on for over a year causing me to fall more and more behind as they will not take a payment from me. Thank you for your time.
Product: Mortgage

In XXXX XXXX my mortgage was sold to Rushmore Loan Management. Since then I have made payments on XX/XX/XXXX and XX/XX/XXXX, of which, Rushmore states they have not received. I have provided them electronic transfer numbers as well as " Confirmation of Funds Transfer '' letters from my bank ( XXXX XXXX ), on numerous occasions, confirming they have received the funds and when the funds were sent. Rushmore keeps calling stating that they have not received the documentation nor the payments. They also state that if they do not receive a payment from us, we will go into default and will have negative reporting on our credit. 
Rushmore only allows you to fax the proof, and then claims they never receive. Surprised that they do not offer a more 21st century method of providing this information. 
For a servicer as large as Rushmore, they really need a better solution to their accounting of monies received. 
I have never missed or been late on a mortgage payment, and this is extremely frustrating that they can not seem to resolve the problem. It is companies like this that give the mortgage industry a bad reputation.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and XXXX several times and i have yet to receive a response of any kind. I have XXXX credit cards that are not showing on XXXX and XXXX. XXXX is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since XXXX has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the XXXX 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I filed FTC Report because I found incorrect ssn number reporting on my credit report on all 3 credit bureaus and fraudulant items on my credit report as well. Nobody has yet to help me and get this removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX balanced {$3000.00}
Product: Student loan

I have not received in writing SPECIFIC reasoning as to why PNC keeps denying my request for Discharge under the Holder Rule for my loan associated with the XXXX XXXX XXXX XXXX XXXX XXXX. Their messages have boiled down to the statement " PNC does not have a loan discharge program based on a school 's misconduct, and as a result, your request for reimbursement must be declined. ". That is not responding to what I am asking. CFPB Ombudsman reports have stated that the Holder Rule Notice is a Contractual Guarantee. In the FTC Staff Guidelines found on FTC.gov it talks about the Holder 's Obligations in regards to these loans. My Promissory note states that the Holder Rule effects my obligation to pay back the loan in a section outside of the primary notice. So I am trying to get a complete response that is extends beyond the " PNC does not have a loan discharge program based on a school 's misconduct, and as a result, your request for reimbursement must be declined. '' one offered to me because it doesn't line up with my Promissory Note, FTC Guidelines on the Holder Rule or the CFPB 's statements on the subject. The FTC Staff Guidelines states on page 18 " The Rule requires only that the documentation is used to make clear to both consumer and holder that the consumers obligations under the contract are subject to the Notice. ". PNC is obligated to follow the Holder Rule Notice. I will be expecting the response to this complaint to contain responses to the following questions : 1 ) What is the denial reason for the Holder Rule Notice Discharge? 2 ) Why doesn't PNC offer a discharge program that they are required to have to be compliant with the Holder Rule? 3 ) Why doesn't PNC offer a discharge program for school misconduct and school closures to keep itself from engaging in Unfair and Deceptive practices by separating the obligation of sellers to fulfill on services with the borrower 's duty to repay on potential fraudalent loans?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX, I live in XXXX, Florida. I opened a credit card with Zales jewelry in XXXX. I was offered a 0 % rate so I took advantage of it. I received the first statement all was fine, no fees. Today I get home and I received a letter - dated XXXX/XXXX/2015!! Today!! - from the insurance department of Zales Corporation " congratulating '' me for enrolling in their balance protection insurance. So I checked my statement from this month and indeed there was now a {$2.00} fee, of course unspecified. 
I called the insurance department and they are closed of course. So I called the Zales card and they confirmed the insurance fee and that " the representative at the store probably did it without telling me and I apologize ''. This is unacceptable on so many different levels that I can not begin to list them all. 
I will call the insurance department tomorrow to get this absurd abuse cancelled and refunded, but this must be stopped at a higher level and hopefully you can do more than I can about this matter. 
You can email me at XXXXXXXXXXXX if necessary.
Product: Credit reporting or other personal consumer reports

My credit Report contains many inaccurate information, including unknown accounts and charge offs. I do not understand how these 3 credit card accounts are being reported, I do not know these accounts, I do not acknowledge the debts. I ask for full validation according to Fair Credit Reporting act rules. I want a copy of the contract that I and the opposite party has signed wet ink signature. entering me into a bonding agreement to perform. I would like to asked that these accounts are deleted for lack of permissible purpose per 15 usc 1681b ss 604. A charge off accounts is defined by the I.R.S as gross income. Income can not and should not be reported on my credit report for everyone to see. that's a violation of privacy. 15 usc 1681 ss 602 ( ( a ) accuracy and fairness of credit reporting. ( 1 ) the banking system is dependent upon fair and accurate credit. ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness. impartiality and a respect for the consumers right to privacy. I demand that my credit report be corrected and fixed. no credit card accounts should be on my report. please provide validation with my signature on it or delete delete delete. account # XXXX # XXXX and XXXX.
Product: Student loan

I went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.
Product: Debt collection

Company Name : CONGRESSCOLL Account XXXX Date Opened : XX/XX/2019 Balance : {$50.00}