23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that Experian has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Vehicle loan or lease

I have asked for the last 4 payments XXXX {$650.00} XXXX {$500.00} XXXX {$700.00} XXXX {$800.00} on my account to be applied towards my Principal balance and I have yet to see it be applied. I dont understand why it hasn't been applied. In total {$1200.00} went to interest when that should have gone towards my principal balance. 

I'm trying to pay this balance down while I still have a job. All you're doing is applying it toward interest which is not helping at all. I noticed based on other reviews on this company I'm not the only person who has been asking for this request and it hasn't been updated yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX, XXXX XXXX XXXX, and XXXX have 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Negative Reporting Items on Consumer Report Dear Experian, I am writing to bring to your attention a matter of great concern regarding my consumer report. It has come to my notice that several negative reporting items have been added without my consent, which I believe constitutes a breach of privacy and identity fraud. I want to address each unauthorized item specifically : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These items are adversely affecting my credit profile and unfairly damaging my creditworthiness. I assert that these accounts are unverifiable due to the lack of my consent, and no person may furnish transactions between the individual and the consumer, as per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 3 ).

I draw your attention to the definition of a person under the FCRA ( Section 603 ( d ) ), which includes " any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' Consequently, these entities may not report late payments, which are considered transactions, according to FCRA Section 623 ( a ) ( 1 ) ( A ). 

In addition, under XXXX XXXX law, violations of consumer protection statutes such as the South Carolina Unfair Trade Practices Act ( SCUTPA ) could be applicable to this situation ( SC Code Ann. 39-5-10 et seq. ). SCUTPA prohibits unfair or deceptive acts or practices, and the unauthorized reporting of negative items without proper verification may fall under its scope. 

I do not authorize the reporting of any account that tarnishes my reputation. I demand that, effective immediately, these accounts reflect as " paid as agreed never late '' in accordance with FCRA Section 623 ( a ) ( 2 ) and ( a ) ( 5 ). I emphasize that, even in the event of a permissible purpose, the consumer 's consent remains a necessary requirement, which I have not provided, as outlined in FCRA Section 604 ( a ) ( 3 ) ( C ). 

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

I have a credit card with CITI ending in XXXX I have an old bank account with XXXX ending in XXXX I have a new bank account with XXXX ending in XXXX I am enrolled in CITI autopay, with a payment date of the XXXX of each month I no longer use my XXXX account and forgot to update my autopay with my new account On XX/XX/22, CITI attempted an authorized autopayment of XXXX against my XXXX account. This charge was declined with for Non Sufficient Funds ( NSF ). XXXX charged me {$25.00} and Citi charged me {$29.00} as a result of this decline In the days following, CITI attempted unauthorized retries of this autopay payment. One attempt hit my XXXX account on XX/XX/22 and another on XX/XX/22. Both of these retry attempts were declined for NSF. XXXX charged me {$25.00} each. 

I have now been charged {$100.00} in fees for this single failed transaction, which was my mistake. I feel the original two NSF charges are justified as they were due to my error. 

I feel the retry attempts, and NSF fees as a result, were UNAUTHORIZED charges from CITI without my knowledge or consent. I have attached a screenshot of the Autopay Terms and Conditions directly from the CITI website. These terms and conditions do not state that CITI has the right to automatically retry any failed attempts. Therefore, these attempts were unauthorized and they should be held liable for the fees that I incurred.
Product: Debt collection

I co-signed my sister for a Santander auto loan but it was a bad loan and Santander got sued by the feds for giving bad loans so in the deal they made with the feds they need to remove that from my credit and my sisters credit however that has not happened The car is a XXXX XXXX XXXX and thats year the deal were made as well ... 

And it got repoed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach and delay in reporting breach to affected consumers
Product: Vehicle loan or lease

So for the past XXXX years I have been paying on an auto loan ( for the purchase of my camper ) to XXXX XXXX. At the beginning, I was paying more than what was required on the bill. After some time my bill started showing {$0.00} due but I was still paying. Now XXXX years later, they say I am almost {$2500.00} behind. Come to find out that all those times I was paying extra they were applying directly to interest instead of both interest and principal. With the loan range and interest rate after XXXX years the interest is basically paid for but on my credit report they have reported I have not paid anything in over a year which is hurting my credit. I have all the records to show from them as well as on my side that I have been paying the set amount or more each month but they are not reporting that this has been paid. They are reporting I am only paying interest. My loan agreement does not say anything about any penalty or interest payment if you make more than the regular payment. Based on calculations they are incorrect on it all and I should be ahead by several months. This needs to be fixed immediately. I have spoken to them about fixing this issue as they keep calling wanting payment, when I have been paying. It clearly shows on the report they sent that I have been paying but they keep saying I haven't. You can not take someone's payment and put directly to interest and never pay down the principal. I need this fixed along with my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding my credit report. As a natural person, I am entitled to certain rights under 15 USC 1681, including the right to privacy and confidentiality. However, I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act by including the following items on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

Further

more, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits a person from furnishing any inaccurate information relating to a consumer to any consumer reporting agency. I believe that the consumer reporting agencies have violated this law by including inaccurate information on my credit report. I have also noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error, including the creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, and a computation error or similar error of an accounting nature of the creditor on a statement. As the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated as agreed on my consumer report : XXXX XXXXXXXX As a consumer, I request that these accounts and inquiries be updated or removed immediately, in accordance with the Fair Credit Reporting Act. Failure to comply with this request will result in my seeking monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

Finally, I would like to reiterate that I did not authorize the following companies to access or pull my credit report, and I believe that these inquiries are fraudulent. I demand that these inquiries be removed immediately : XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have already submitted this complaint to the Complaint portal for the State Attorney Generals OfficeXXXX XXXX XXXX XXXX XXXX and Federal Trade Commission . 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The loan was taken out in 2017. 
Attempted to payback and was unsuccessful. Keep getting calls and voice mails stating the following : This message is showing is for XXXX XXXX my name is XXXX more and this is your from a vacation in regards to delivery _______ of our documents we making several times to reach you at your residence or place employment today XX/XX/XXXX between the hours of XXXX and XXXX XXXX so I'm unable to reach you guys are location is documented as a direct refusal to sign your questions concerns or need to reschedule prior to my arrival please come get the van parts office directly at XXXX and refer to reference number on this in the in XXXX Ary this is your phone the vacation I'll be out today between XXXX and XXXX XXXX  They are also calling family members and leaving voice mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

westlake fiancial svcs account XXXX XXXX XX/XX/XXXX and XXXX open XX/XX/XXXX accordance the fair credit reporting XXXX Account, XXXX, open on XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the rights to privacy.

15U.S.C 1681Section 604 A Section 2 : it also states a consumer reporting agency can not.

furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as late for any reason.
Product: Credit card

I have a PayPal Credit account issued by Synchrony Bank with a credit limit of {$1500.00}. On my statement, it clearly indicated that a payment of {$1200.00} was required to avoid both Standard and Deferred Interest charges. I made this full payment on XX/XX/year>, using my linked bank account. 

The payment has cleared my bank and shows as posted to my PayPal Credit account, yet my available credit has not been updated. When I contacted customer service, I was told the payment was flagged because it was the largest payment Ive made on the account and, as a result, it would be subject to a 3-week hold before my credit line is restored. 

I asked to escalate the issue to a supervisor and was told there was nothing they could dothat this delay was policy and that no manual override was possible. This seems like an unreasonable and arbitrary hold, especially since the payment was made in full, on time, and has already cleared. 

Ive had this account for over 3 years with no history of returned payments, disputes, or fraudulent activity. I feel this policy is deceptive and punitive to customers who are trying to manage their credit responsibly and follow payment recommendations. It also prevents me from using my available credit, despite having met all payment obligations. I have since closed this account, but wanted to report this issue as I discovered a thread indicating that this has happened to others XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

A debt collector is reporting an inflated debt amount to credit bureaus from a XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX eviction judgment. The court records show the following : - Court ordered daily rate of {$100.00} from XXXX XXXX XXXX ( {$2700.00} total ) - Sheriff 's costs of {$140.00} - Total base judgment amount : {$2800.00} The debt collector is reporting an original debt amount of {$16000.00} on my credit report, which is more than five times the court-ordered judgment amount. Even with California 's statutory interest rate of 10 % per year, the total legal obligation would be approximately {$4400.00} as of XX/XX/XXXX. 

The debt collector has not provided any documentation justifying how they calculated this inflated amount, which appears to violate the Fair Debt Collection Practices Act by misrepresenting the amount of debt owed. I have obtained copies of the court judgment and writ of possession that verify the actual judgment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this negative account. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2015 I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of this account. I don't know who could have done this. This is identity theft and a nightmare.
Product: Money transfer, virtual currency, or money service

I purchased a money order from XXXX XXXX at XXXX XXXX XXXX on XX/XX/year>. Upon trying to cash my {$80.00} money order I was told that they could not cash it at XXXX XXXX XXXX in zip code XXXX. This was at XXXX in the morning on XX/XX/year> I spent all day on the phone with Moneygram XXXX trying to verify if the Moneygram Money Order I paid {$1.00} Fee to XXXX  XXXX XXXX XXXX XXXX XXXX for a purchase of an {$80.00} money order was any good. I gave up calling at XXXX that night and getting put on hold and transferred and no conclusive answer. So Money Gram did nothing about my problem and neither did XXXX on the Corporate Level at XXXX nor did the local XXXX  XXXX XXXX XXXX XXXX. I don't believe the store did anything wrong but I do know MoneyGram and XXXX  XXXX  did nothing. I have a witness to my endeavor trying to cash the money order. and find out if it was even any good for all I know it was no good to me to present for payment. I got {$0.00} cashed of $ XXXX what do I do. I am XXXX XXXX  on government assistance and this month MY XXXX Benefit got stolen and I needed to cash the money order and have money on hand in case I need to buy some food. Can you please help me? The Money Gram Money Order number is XXXX for {$80.00}
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Mortgage

On XX/XX/XXXX we received a letter from Planet Home Lending that the servicing of our mortgage was being transferred to them. On XX/XX/XXXX I did receive a bill from our current servicer, XXXX XXXX XXXX, stating our mortgage payment is due with them on XXXX. I called XXXX and asked who should I pay since the loan was being transferred. XXXX stated over the phone that the transfer to Planet Lending would be official on XX/XX/XXXX so I could pay them for the XXXX payment. 

Today, I received a letter from Planet Home Lending for the XXXX payment. This letter was actually address to our previous address ( home we sold after buying our new house ). I called Planet Home Lending today and talked to XXXX ( employee ID XXXX ) trying to figure out what was going on with the servicing. He told me there was an error with 24 loans, mine being one of them, that Planet Home Lending does NOT actually have the servicing rights to my loan. I asked for him to provide that in writing but he refused and then hung up on me. 

I called XXXX XXXX XXXX right after and talked with XXXX ( employee ID XXXX ). She stated that Planet Home Lending IS going to be our servicer which is the exact opposite story. 

So the issues are : -Planet Home Lending refusing to provide any documentation to verify that we do NOT have an account with them -Planet Home Lending sending communication to an invalid residential address -If Planet Home Lending was sent our information by mistake that is a privacy violation since they now have our SSN/DOB/address/etc XXXX Loan Servicing either incorrectly sending our information to a third party OR not having their records correct I've never had a late payment in my life, I'm licensed with the NMLS for my job so can not have any derogs on my credit, and concerned about our private info. 

Who services my loan and who do I pay!?
Product: Checking or savings account

Wells Fargo called me on XX/XX/24 to report a fraudulent charge and someone impersonating me to get my account information. They filed a claim for {$430.00}, but after months of " investigating, '' they denied it and took my money, alleging I made the purchase without providing any proof. Why did they bother alerting me to fraud if they were just going to reject my claim? 

Wells Fargo called me from their executive office today, XXXX, accusing me of either making the purchase or allowing someone else to use my card for it. Their justification? Because the scammer had my address, they consider it a legitimate transaction. But they refuse to provide proof of where it was delivered!!! My address is public knowledge and any scammer can easily gain access to this information. 

Wells Fargo refuses to provide me with the document showing proof that this fraudulent purchase was delivered to me! Or provide any proof other than a verbal statement that the merchant knew my address? And that I need to resolve it with the merchant? I DON'T EVEN KNOW WHAT THE MERCHANT IS! Why did Wells Fargo call and alert me to this fraudulent transaction, replace my debit card, and investigate the fraud only to steal this money from me? 

Wells Fargo is infamous for their crooked business practices, opening fake accounts, and prioritizing profits over customer protection. I fully expect this {$430.00} fraudulent charge to be refunded to me as federal law requires Wells Fargo to do. 

I DID NOT MAKE THIS PURCHASE NOR DID I ALLOW ANYONE TO USE MY CARD!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.