23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

this is for genesis card services. company is just a scam. also i was a victim of fraud and id theft. i filed an ftc id theft report and a police report not too long ago. i would like for this company to remove my account and delete from credit bureaus. i dont want anyone accessing anything in my name or using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute regarding 3 XXXX  accounts that were included in bankruptcy & discharged but showing balances & charge off status. The response I finally received from experian was that they would update the accounts to reflect the bankruptcy discharge. They were subsequently all updated to XXXX  balance & showed as included in bankruptcy. Now 2 weeks later one of  the accounts has been changed back again to the bankruptcy indicator being removed & a balance of {$82000.00} is back on the account. See XXXX account # XXXX on my current credit report & please correct. I have attached the previous CFBP complaint as well as the bankruptcy paperwork that I previously submitted. Can you please stop this from recurring with this account as well as the other 2 XXXX accounts? This loan is not exempt from bankruptcy discharge as it does not meet the definition of a student loan under bankruptcy law & in fact this creditor has been sued several times for their credit reporting & collection practices & have a class action lawsuit against them currently for violating bankruptcy law. I am part of that lawsuit & am seeking damages currently. I have attached that for you as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, EQUIFAX XXXX XXXX  AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.
Product: Debt collection

The texts are coming into my phone number but the person Rapid Auto loans is trying to contact does not own this phone number. I called several weeks ago and asked them to remove my number from their list and they have yet to do so
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

I wired money with bank of America. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an " ABIN '' that was required but BAO did not ask me for when we sent the wire. 
BOA returned a portion of the money to my account but kept {$40.00}. I called BOA to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid BOA to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.
Product: Credit reporting or other personal consumer reports

I have received and reviewed my updated credit report today and Im stunned to see that the same disputed accounts to which I considered to be incorrect and suspicious, due to their inaccurate details, were still up and showing on my files. Ive been trying my best to reach out from the credit bureaus ' office to have it corrected and be effectively removed from my credit history, but all of my efforts were left unresolved. These errors youve kept on furnishing will definitely hamper my credit ratings and destroy my reputation as a consumer. 

I have asked for the reinvestigation of these accounts in my previous letter but I never even received a response coming their side to update me of the result. This time, I will continuously urge them to remove these misleading accounts from my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a written dispute letter to Experian to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.
Product: Student loan

XXXX did not address that when they took over the account from Navinet they added {$74000.00} to the amount Navinet had as last balance ( {$86000.00} + {$65000.00} on XX/XX/XXXX ) and they also did not address that they have charged interest on the subsidized loan. In fact its not clear if the consolidation ever kept the subsidized portion as subsidized in the first place. I was on XXXX and signed to have the loans consolidated and both these companies put massive amounts on top of my loan. At the time I was very ill and put on SSD ( XXXX from XXXX to XXXX ). I was given option to consolidate to give more time and didn't realize the amounts were so much more then I actually borrowed due to exurbanite fees put on by consolidation. The full transaction histories are included as attachments here. While I was on XXXX the only relief they offered was to give forbearance and deferments although I have learned that during the time I was XXXX I could have had these loans forgiven. Navinet also put {$26000.00} onto the total when they consolidated the disbursements which totaled {$120000.00} on XX/XX/XXXX. Navinet is unresponsive as they no longer hold the loans and just send me the same information I already have from the federal student loan site. I still do not see how my totals legitimately increased by a fee of {$26000.00} when consolidating with Navinet  from the {$120000.00} ( XX/XX/XXXX ) owed in individual loans and then again another {$74000.00} when consolidated from Navinet to XXXX from {$150000.00} ( {$86000.00} + {$65000.00} ) to {$220000.00} XX/XX/XXXX.
Product: Vehicle loan or lease

I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.
Product: Mortgage

In XXXX My mortgage was Transferred to XXXX XXXX  company. With whom I paid my mortgage to every month. In XXXX I had purchased a small loan from a predatory lender. XXXX XXXX XXXX which they charged me a substantial amount added to my mortgage loan. In XXXX my mortgage was transferred to XXXX XXXX who then wanted me to get a remodification on my loan. When I was with XXXX XXXX Company My monthly mortgage was {$560.00} a month. When I went to do the remodification with XXXX they wanted me to pay {$1.00} XXXX per month. During the Obama administration he stated that no one should be have any predatory lenders on their mortgage. Finally I get a letter after all stating that my loan is paid in full. They owe me money for ruining my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money was stolen from my bank account through an unauthorized on-line money transfer not made by me or my wife ( the only account holders ).
The theft was timely ( within 30 minutes ) reported to the Bank, and the Bank 's representatives stated the account would be locked pending a fraud investigation.
After this call, additional monies were stolen out of the account - it had not been locked as reported by the Bank. 

This additional theft was again ( still on XX/XX/XXXX ) timely reported to the Bank. 

Since then, on multiple occasions, I was told the stolen monies would be placed back into my account within 3 business days. 

Today, I received notice that the Bank was rejecting the claim of fraud reported on "XX/XX/XXXX ''. 

Given these circumstances, it is clear the Bank did not conduct a legitimate investigation and is disregarding the true facts of the theft.
Product: Credit reporting or other personal consumer reports

i notice on my credit report that Affirm is reporting late payments on accounts that was never late and my payment schedule and receipts of 100 % of on tome payments are attached please correct and remove any late payments associated with affirm
Product: Credit card or prepaid card

BANK OF AMERICA reported me late for the month of XX/XX/2018, this was not any error coused by my self, this was a post office error. they lost and damaged my out going mail. they then later returned it in a usps envelop, that same day I received a call from bank of America requesting payment in which I did. I maid a double payment. and was told by representative I would only receive a late fee. which he waved!! 

later to find out they reported me late on my credit for the month of XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Product: Student loan

On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations and police report of having 4 social security numbers on experian that are not mine
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I was sent a message that I am not qualified to drive a car on any rideshare platform. I reached out to the entity/agents and let them know that unless I provided express written consent they were not allowed by law to access my private data stored in the Department of XXXX XXXX XXXX Furthermore, I was never convicted of any crimes so any information they are reporting is false and misleading without any firsthand knowledge of any crimes. This entity has accessed the driver record without filling out the XXXX form that is required to access driver records in Georgia. Additionally, it is a crime to pursuant to the National Driver Records regulation to access records without the express written consent of the person. This entity is restricting my trade pursuant to 15 USC 1, 15 USC 2, and 18 USC 1951. Also they are in violation of using my tradename for pecuniary purposes without compensation, and under the official code of Georgia they are in violation of 16-9-93.1 These foreign Corporations are in violation of 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Traffic infractions are not a crime : California Court of Appeals ruling, People vs. Battle. The ruling establishes that a traffic infraction is not a crime. This is clearly identity theft and I will be reporting this to the IRS for usury. I am not XXXX XXXX XXXX employee. Hobbs Act Violation.
Product: Mortgage

Respectfully request SCRA benefits under Louisiana state law. My HELOC received SCRA benefits but my home loan ending in XXXX has not.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

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
Product: Student loan

I have been complaining about the deceptive practices of Navient student loans for years and each time I file a complaint which goes straight back to Navient, they give me some bogus explanation which I do not understand at all. I have been carrying student loan debt since 1987, and I will probably be dead long before these loans are ever paid. At the present time, Navient has me in a repayment plan where I pay {$0.00} every month because of my low income. But they charge over {$500.00} a month in interest.. 
So, for a two year Associate Degree, I owe over {$110000.00}. I am almost XXXX years old, I recently had XXXX XXXX and now I have to work from home because XXXX treatments affected my bones and I can't walk very well. It seems like Navient could have done better than this ... given me more information on repayment plans, given me some sort of break on their high interest charges ... .Navient garnished my income tax refund for seven years and I still owe well over {$110000.00} ... .seems like a rip off ....
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 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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, credit repair services, or other personal consumer reports

I sent the dispute through the credit agencies. XXXX changed it but the others have not. JPMorgan Chase private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in XXXX.
Product: Credit card

Paid balance of Discover card on XX/XX/XXXX and XXXX. Called and asked company to close the account XX/XX/XXXX. XX/XX/XXXX received invoice for {$120.00} which was the interest. Went on the website to pay the balance and the website said no balance was due so I could not pay the balance. Received statement XX/XX/XXXX that I was accessed a {$41.00} late fee for not paying the {$120.00} on the XX/XX/XXXX statement that the site would not let me pay. Called Discover on XX/XX/XXXX and customer representative said they could not waive the fee, but agreed it seemed excessive. Paid the total balance to just be done with them.
Product: Credit card

Credit card application denied. 

My credit score is about XXXX I have no debt I have no late payments
Product: Mortgage

Loan number : XXXX I am writing to address a series of concerns regarding the foreclosure process initiated by Ameris Bank on my property and the subsequent actions taken, which I believe were both premature and unjustified. These actions have had a significant adverse impact on my financial stability and ability to manage the property. 

Background and Impact 1. Adverse Credit Reporting : The continuous false reporting by Ameris regarding another account negatively impacted my creditworthiness, limiting my access to credit and completely paralyzing my real estate business. As a direct result, I faced difficulties in maintaining monthly payments on the property. 
2. Tenant Notification and Early Vacating : Before I was served with foreclosure paperwork, an Ameris representative visited the property and informed the tenant that the property was in foreclosure, urging them to vacate. This premature notification led the tenant to begin moving out, significantly affecting my ability to maintain payments on the property. 
3. Access to Property : On XX/XX/XXXX, while the tenant was in the process of moving out and the utilities were still active for my walkthrough, Ameris changed the locks and restricted my access to the property. This occurred before I was formally summoned, violating my right to manage and access my property. 
o Signs were posted stating, " The property has been winterized by XXXXXXXX XXXX on XX/XX/XXXX. '' o My attorney made several attempts to contact Ameris to resolve the matter and regain access, but weeks went by without a response. 
4. Forced Action to Regain Access : Due to the lack of response from Ameris, I was forced to hire a handyman to regain access to the property and change the locks back. This situation further delayed my plans to complete repairs and list the property for sale. 
5. Miscommunication in Correspondence : Despite my history of receiving communications at my assigned personal property address, Ameris sent critical foreclosure-related correspondence to the rental property address, further complicating the situation.