23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage now holds my loan. My loan was opened in XXXX of 2023 and held by XXXX from XX/XX/year> through XX/XX/year>. I then made a XXXX payment to them as I was unaware that my loan was transferring to XXXX XXXX XX/XX/XXXX. I then tried to get XXXX XXXX to fix the issue, and they kept asking me for proof of payment which I could not provide as I paid my payment using My XXXX XXXX XXXX XXXX, which are Electronic Payments. What I did provide was proof that I paid each payment with XXXX XXXX, which they refused to accept. Carrington is now sending me Intent to Foreclose Letters. I can not afford a lawyer to deal with this issue, and I can not afford to send a payment of {$2700.00} which I do not owe. My bank gave me a Reference number of XXXX for the payment they say that I never made. I am able to show bank statements to prove I made every single payment. Please help. Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Vehicle loan or lease

this company of ally financial has illegally charge me in the way XXXX for late charges. in time period of XXXX  a company rep signed me up for paperless in which cause a non billing to be sent to me. I contacted the company and spoke to XXXX on XX/XX/year> she advised the late fees would waived I just made my last payment on the contracted amount of {$480.00} in which noticed they still have charged me in excess of charges late fees of XXXX. I reached out several times to ask for the charges to be removed, however the reps have advised me that they will not remove the late charges I spoke with manager with customer solution phone ( XXXX ) hours XXXXXXXX XXXX XXXX id # XXXX. she stated she is not waiving the late, she stated she will remove this information due to them having internal rule that are permitted to waive but only one late fee, in which she stated they have removed an amount of XXXX she stated we i am responsible for rest. 

under the the federal billing act the company is permitted to send me bill in which this has not been performed. I asked the rep if she reconsider this give me my title to my vehicle however she stated she can not. 

This is illegal and I deserve the right to my title
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of INACCURATE payment historywhich is being reported by Experian on my credit report. My latest credit report shows an payment discrepancies listed on Experian, however correct payment history having never been late on other bureaus. 
Please havethese/thisinaccuraciesremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.
Product: Debt or credit management

This account was open fraudulently it has been no reason why I should have 2 accounts
Product: Credit card or prepaid card

In-store merchant offered purchase incentive with 2-year no interest credit card. 
Synchrony Sport was the credit card provider. 
This was the only time this credit card was ever used. 
Automatic monthly payment was set-up, however the monthly payment drawn was the minimum amount, not the amount necessary to payoff principal in 24 months. 
Since there was no monthly activity the monthly statements were not opened. 
Footnote in their statement was the only form of communication to alert me the promotion period was expiring. No mail, no email, no courtesy phone call. 
Synchrony then billed me at 29.99 % interest retroactively for the prior two years. 
The only came to my attention when I finally received and email invoice for the past due amount many months later. 
I have since paid off the entire principal balance, but now still being charged interest on unpaid, unacceptable and disputed interest charges. 
I have contacted Synchrony several times by phone and by mail to settle this, but been denied each time. 
Their conduct is egregious, non-transparent and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureaus have me marked as deceased!!!!!!!!! 
Ive been working hard on my credit and now they have as deceased, which holding me back on multiple levels of both personal and business ventures. Plus they wont update my credit score! 
Ive tried calling but nothing works. I cant even get to someone live to address the problem. 
This is ridiculous.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute of Incorrect Items and Unauthorized Inquiries on My Credit Report Dear EXPERIAN I am writing to formally dispute inaccurate information and unauthorized inquiries on my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, which imposes civil liability for willful and negligent noncompliance, as well as 15 U.S.C. 1692g and 15 U.S.C. 1681b, which regulate permissible purposes for credit inquiries.

Upon reviewing my credit report, I have identified several errors that require immediate correction. The following accounts and inquiries appear to be inaccurate or unauthorized : 1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$8900.00} that I have no knowledge or status, of date it was open XXXX XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$2300.00} that I have no knowledge or status, of date it was open XX/XX/XXXX XXXX. Unauthorized Inquiry by Company Name**XXXX XXXX XXXX** inquired was open on XX/XX/XXXX, an also **XXXX** inquired was open on XXXX XXXX in my rights to better my credit I fell if these two inquiries were not approved by my knowledge and was unauthorized and I request for them to be removal Legal Basis for My Dispute - 15 U.S.C. 1681b : This section of the FCRA outlines the permissible purposes for accessing a consumer 's credit report. If any listed inquiries were made without my authorization or a legitimate purpose, they are a direct violation of federal law. 
- 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of debts. If the inaccurate accounts are being reported by debt collectors without proper validation, this is a violation. 
- 15 U.S.C. 1681o : This section holds parties civilly liable for negligent noncompliance with the FCRA. Reporting inaccurate information or failing to correct errors upon dispute constitutes noncompliance. 

**Requested Actions** I formally request the following actions : 1. **Immediate removal of all inaccurate items** from my credit report. 
2. **Deletion of unauthorized inquiries** that were made without my consent. 
3. **A full reinvestigation** into the disputed accounts and inquiries. 
4. **A written response** detailing the findings of your investigation within 30 days, as required by the FCRA. 


. I appreciate your immediate attention to this dispute and look forward to your response. 

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

see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXXXXXX XXXX  and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

I Have enclosed XXXX forms of identification to prevent any further stall tactics. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent these documents to these agencies and all inaccuracies and they are violating my rights please address these in accurate information on my consumer report, XXXX and Transunion should and need help accountable for furnishing inaccurate information.
Product: Consumer Loan

I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.
Product: Credit reporting

the problem I have first came to my attention when I asked for an increase limit on my credit card and was denied the return letter from the credit card company stated my credit score was XXXX. I had signed up for a credit watch with trans union which stated that my score was XXXX+ and other s have it at over XXXX who is not telling the truth I think I am kett artificially low on purpose can you help
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX ( These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I currently have an auto loan with BB & T and noticed that my most recent payment had not come out of my account. When I logged on to see what was going on it showed that the payment had been reversed. This is the second time this has happened! The first time BB & T called to inform me I was late on my payment ( I then had to pay a fee of course ) and when I asked why I was never told the payment was reversed they had no answer. I found after that I missed the last XXXX on my routing number which was why my payment was reversed. I receive emails that my payment has been processed but NEVER that it was reversed. How am I supposed to know that I did n't make a payment when my records from BB & T show that it was?
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed contain inaccuracies in terms of the reported amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX 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 the consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts.

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened.

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with Equifax via phone and certified mail several times. They continue to incorrectly report this account as a charge-off, which has significantly impacted my score compared to the other 2 major bureaus. They report this as a charge off and as you will see by myFico report this is inaccurate. I have requested and investigation as well as several reinvestigations with no response. Now I feel this is the only way to get an answer and get this removed from my credit report. Thank you for your time. 

Account : XXXX listed as : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Greetings. I opened an account with Kraken. They approved my account in the morning on XXXX XX/XX/2024 ( " You're verified for Intermediate '' ) and closed it later in the evening same day. Here is the email from them. 

XXXX ( Kraken Support ) XX/XX/2024, XXXX XXXX Hello, Unfortunately we must inform you that we will be closing your Kraken account. For security purposes we can not disclose the reason for this action. 

Kindly note that you can not open another Kraken account and that our live chat and phone support channels will not be able to provide assistance regarding this matter. 

We appreciate your understanding.
Product: Credit reporting or other personal consumer reports

Notice of Pending Litigation Seeking Relief And Monetary Damages Under FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of two written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory marks XXXX XXXX XXXX XXXX XXXX XXXX  and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory marks XXXX XXXX XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately.

1. Copy of the original contract 2. Copy of payment history 3. Name and address of original creditor 4. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately.

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : XXXX XXXX