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

In the month of XXXX, I have reach out to GM financial asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that Gm financial defer payments by XXXX  months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be XXXX time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the XXXX time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards GM financial reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After GM fiancial noted on my credit report about the deferment of my payments, I then paid the XXXX time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the XXXX time fee upon my due bill date. 
I contacted GM fiancial after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

Address : XXXX XXXX XXXX XXXX. Texas XXXX Account # XXXX XXXX XXXX XXXX SS # : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Us bank credit card is reporting a balance usage of 99 % on the card since XX/XX/year>. Card was paid in full and has had a XXXX balance since XXXX. Tried dispute through XXXX and the bank says the information is correct
Product: Debt collection

On XX/XX/2023 I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Vance & Huffman LLC properly investigated this account because there are obvious inaccuracies. 

Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment is messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported Vance & Huffman LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Product: Credit reporting, credit repair services, or other personal consumer reports

Account in great standing. 
issue : 65 pts off for an open accounts that is in great stading?

65 pts to XXXX We found 1 change to your Equifax credit report. 
New Accounts XXXX  - CARD SERVICE Account Opened Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time. 
Between XX/XX/XXXX and XX/XX/XXXX, your XXXX  - CARD SERVICE credit card was added to your report. This account was opened on XX/XX/XXXX.
Product: Student loan

I have XXXX loans with SallieMae. Each are enrolled in auto-debit and have been for more than a year. This is confirmed in my account information available online and has been verified during a multiple calls with their customer support. Despite being enrolled in auto-debt, the accounts do not auto-debit and I receive a call from SallieMae that I am delinquent on my account every month. I believe this practice is intentional in an effort gain more interest on my accounts.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted XXXX and Equifax to ask that it show paid in full closed. Equifax responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, Equifax still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue of incorrect information reported and to request verification of dates of payment of debts associated with this accounts that have been opened in my name. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request verification of the debts that are being attributed to me. In accordance with the law, please provide the following information for each account that is being reported : 1. Account Name : The name under which the account has been opened. 2. Date of Application : The date when the application for this account was submitted. 3. Personal Information Used : A detailed account of the personal information that was used to open these accounts, including my name, address, Social Security number, and any other identifying information. 4. Verification of Debt : Documentation that verifies the existence of the debt, including the original creditors name and contact information. 5. Date of First Delinquency : The date of the first delinquency related to the account, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1692 ). This account is being incorrectly reported as the date of first delinquency is 08/2017 as shown in the attached credit report and email sent from credit as of revolving account and not a collection and causing monthly delinquency. This is fraud I take this matter very seriously, as identity theft can have profound impacts on my financial health and credit standing. Please respond to this request within the legally required timeframe. While this information is being verified this must be removed from my credit report. This information may not be added back because the account is fraud Failure to provide the requested information should result in the removal of the fraudulent accounts from my credit report
Product: Student loan

My federal loans are through Mohela. Prior to restarting payments in XX/XX/2023, I noticed my plan changed from REPAYE to SAVE-alternative on Mohela 's website. However, on federal student aid my plan was listed as SAVE. Due to the difference between the plans and the SAVE-alternative not being IDR, I called Mohela to request a change of my plan to SAVE. I received a letter ( see attached ) stating that they will process it over the next XXXX  days. Unfortunately, it has been XXXX  days and my plan has not been update nor have I heard from them.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) .Fraudulent Inquiries : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX chose to switch my XXXX XXXX  credit card to another account without notifying me, failed to send notices of due dates and amount due, and the reported me as 30 days late to credit agencies ( 3 ). I have protested this to Capital One and the reporting agencies without satisfactory changes to the reports. Complicating the situation was was serious illnesses, XXXX, and multiple XXXX, during which I had to rely upon others to pay my bills, which made receiving those bills in a timely manner necessary to pay them in a timely manner. When I was able to follow up about paying the bill, Capital one could not find my account, because they had transferred the balance to a different account with a new number, which they reported as past due. When they tracked down the account I paid the entire balance. They still would NOT change the report to make it accurate.
Product: Credit reporting or other personal consumer reports

I sent the follow letters to XXXX, XXXX and TransUnion XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Debt collection

Portfolio Recovery Solutions has untainted a fraudulent credit card debt open with my SS # and is continuously harassing me through phone calls. I have disputed this account several time with no resolution.
Product: Bank account or service

I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with BOA for this fraudulent charge. 
I 've called BOA 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with BOA. I 'm out of options and now feel that BOA is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score with XXXX XXXX. 

National Credit Card Cos. Chase Bank USA , N. A. 
has done four ( 4 ) hard check 's for a Chase credit card I have never applied for a Chase Card. 

National Credit Card Cos. 

Chase Bank USA, N. A  Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank Usa, N. A Inquiry from XX/XX/XXXX These hard checks are dropping my score! 

I would to get these off of my report. 

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX I was notified that a collection was placed on my account from XXXX so I immediately contacted XXXX to dispute it because XXXX was notified by me that my phone and documents were stolen long time ago and so I called the company ( XXXX ) to ask why I have a collection from them ( and to remind them that the phones was paid off ) and also notified them that my phone and important cards were stolen and I dont have access to the XXXX account to report what was going on the XXXX representative informed me that someone made a payment on XX/XX/XXXX ( that conversation happened on XX/XX/XXXX ) and she continued to say that my credit report shouldnt have a collection on it I was told by the representative that they will put a note on the account and remove it now today XX/XX/XXXX I am getting a notification from XXXX that they updated it and placed it back on my credit reporti immediately contacted XXXX XXXXXXXX XXXX to dispute it again and I contacted the XXXX XXXX again and the XXXXXXXX XXXX XXXX XXXXXXXX were acting suspicious asking me for address after she asked me for phone numbers and email on file. I asked her why she needed my address as she shouldve pulled it up when she put my phone number in and i told her not to update my address in the system because I know that theyre trying to pin account to my name so I told her I need to speak to her supervisor because shes being unprofessional by telling me that Im still obligated to pay for a service that I dont have nor owe any money on. She told me that shes going to connect me to the department that deals with the collection which is a different company named receivable performance management, a debt collection agent, but I keep getting reconnected to various representatives from XXXX for XXXX XXXX. No one from the collection department was answering the phone, so I just keep getting reconnected to XXXX Im super frustrated at this point.
Product: Credit reporting

unable to monitor my credit report. tried to sign up with complete premier product ca n't sign up. error in there system will not fix it. tried numerous times. but since I have been a victim of identity theft they do n't care. and wo n't fix the error. some one can access my credit but I ca n't monitor it.
Product: Credit card

I received a letter from Synchrony Bank dated XX/XX/year> related to my XXXX XXXXSynchrony Car Care account ( account number ending in XXXX ) advising a change in terms ; specifically, a " paper statement fee '' is being added each month. The intent is clearly to pressure consumers to use electronic communications/delivery, and this is not for the benefit of consumers but simply a cost-saving ( profit ) measure for the industry. I am alerting the CFPB of this situation so that steps can be taken to prevent the industry from normalizing this practice.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> M & T Bank Customer Service DepartmenXXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Dear M & T Bank Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on my mortgage account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments.

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation.

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals.

I have always valued my relationship with M & T Bank and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward.

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX loan number
Product: Debt collection

Additional information for complaint XXXX after doing research found that the account in question is attached to a arbitration clause that the company refused to use by suing me instead
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX XXXX Installment account # XXXX Balance. {$0.00}
Product: Money transfer, virtual currency, or money service

I tried to use PayPal 's friend money-transfer service several times to send {$200.00} to a family member. I sent one payment on XX/XX/XXXX that I immediately cancelled bc I input the wrong email address. Even though I tried to cancel the payment and my PayPal account shows the payment was refunded. I was not actually refunded the money to my bank account. PayPal never sent the money back. 

The same day, I resent {$200.00} to the correct email address. However, when this family member tried to access the payment on their account, it shows an error message on their end. This means that the person has not received the payment, and I am not able to cancel it on my end ( it does not give me a cancel option ). 

This means that PayPal has taken 2 x {$200.00} transactions out of my bank account but has not refunded or actually transferred the money to my family member. 

I've tried calling them ( their customer service line is closed, per their automated message ), I've tried messaging them online through their help center ( not working ), I've tried contacting them on social media ( no response ). I don't know what else to do. At this point I just need to be refunded for both {$200.00} charges since this money was not actually sent to my family member.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX Credit Card, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I had to ask to receive final numbers on selling my house and only received the title company Settlement Statement on XX/XX/17 for a closing that was to take place on XX/XX/17. I never received the Closing Disclosure throughout the entire process.