23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX, XXXX, and equifax were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Debt collection

Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. 
They have increased the balance upto XXXX in XX/XX/XXXX. 
There were no transactioins since, made by me from XX/XX/XXXXto date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXXXX/XX/XXXX for {$190.00} I objected and Disputed. 

I already have reported this case.with CFPB, on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal request via certified mail was sent to Navient on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to Navient resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our Navient account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXX 's security breach occurred in XXXX and lasted for weeks. My wife contacted Navient and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that Navient falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked Navient to amend and provide a good will adjustment to XXXX, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, Navient Customer Advocate, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. Navient continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

XX/XX/XXXX Credit acceptance auto loan XXXX XXXX XXXX {$19000.00} total old ( as of credit report ) Car voluntarily repossessed and sold for {$9000.00} Do not know how much car was worth Misleading information given
Product: Credit card or prepaid card

Hello, I received a new CHASE Freedom card in the mail today ( my old one expired ). The card also came with a second card for my mother, XXXX XXXX XXXX, who unbeknownst to me is listed as an XXXX on the account. I think she became an XXXX  because I previously did a credit line transfer from an old CHASE Sapphire card that she was an XXXX on, and her XXXX  status must have transferred over. I called CHASE today to have her removed as the XXXX. She was removed, however the agent could not answer my credit reporting question regarding how the account will report on her credit report. Will CHASE be reporting ECOA code of T and terminating her liability ( thus retaining all info up until the point of removal )? Or ECOA of Z to delete the tradeline altogether? The phone rep didn't understand and continued to state that CB reporting would continue for the XXXX, which doesn't make any sense - I wouldn't expect a J segment to continue reporting if I requested her to be removed off of the account. 

Can someone please explain to me whether the tradeline is deleted ( Z ) or liability terminated ( T ) when an XXXX is removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} ; Incorrect Addresse ; XXXX XX/XX/XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXXXX/XX/XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX.
Product: Credit card or prepaid card

To whom it may concern, My wife XXXX XXXX has had an Comenity/Ann Taylor Mastercard account XXXX Ann Taylor XXXX # XXXX XXXX XXXX XXXX. She went into the XXXX in XXXX for 30 days. I had to cancel her card. I paid it off with the balance they told me., then I got an interest payment 0f {$120.00} which they never told me, but I paid it. After that I received and interest payment for {$2.00}. I called and they said they were removing it. Here is the number the representative gave me for cancelling the {$2.00} payment on XX/XX/23 # XXXX. I have tried to call and straighten this out to no avail. this bank doesn't care. It's not the {$3.00} which they now added on, it's the principal that they can get away with it. This is unacceptable. 
Comenity is a Horrible Bank and customer service, Please help. Thanks XXXX XXXX
Product: Debt collection

Since NATIONAL CREDIT ADJUST has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also do not respond to requests for proof of signature and incorrect opened date. PLEASE Reprimand them
Product: Mortgage

XX/XX/XXXX I have been requesting for the " pay off letter '' and every time I call in for it, there is an automatic system where it states " the letter will be mailed out with 7-10 business days and without the letter I will not be allowed to pay off the loan. '' I have also tried 4 times requesting it off the online portal and it will not allow me to do so. 
In XXXX I have called the customer service and every time I ask to speak with someone about the pay off they have transferred me over and the call drops and this has happened on the daily for over the two weeks. 

I have logged in and tried to make the off amount but it will not allow me it is asking for a different amount then my statement and will not allow me to make more or less then. 

I have not made a payment since XXXX due to this issue with the company and I have been charged penlenty
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

i have several accounts on my transunion report that are identity theft. 
XXXX XXXX acct # XXXX balance of {$7200.00} last reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX balance of {$380.00} last reported XX/XX/XXXXXXXX XXXX XXXX acct XXXX {$1200.00} XXXX XXXX  acct no XXXX {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX  acctno XXXX {$400.00} transunion 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 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 XXXX
Product: Mortgage

I filed a complaint against Wellsfargo because I wanted them to look at how they treat customers/ consumers. Who contact them for assistance we waited two months while XXXX said that she would investigate. When she called me today she started the conversation off with. The young man who had received the case from the escalation department was correct in XXXX findings. She said that it is our responsibility as a consumer to know when and how much our insurance companies will charge. For the new year next Even though Wells Fargo gets the information before we do. And they say that they will do an escrow analysis every year. Without us asking for one. Yet again I've left speaking with someone from this company.

Feeling like we were and have been the problem. That everything that happened was our fault. Im leaving feeling in my heart and believing that there are more people out there being treated poorly. Lied to given the wrong information. I'm disappointed and pray that there are enough people who have been affected like we have. That it will cause the justice department and congress or to step in and ask them to treat their customers better. And correct those areas that seem to be problematic. Wells Fargo is a big corporation but they work for their customers. I would have loved for them to show more compassion. And approach me better. And stop blaming the consumer.
Product: Mortgage

I wanted to make a final payment to pay off my mortgage. I was charged excessive fees to complete the final payoff of my mortgage. Excessive fees included a quote fee of {$25.00}, Expedited delivery fee of {$20.00}, XXXX party reconvey/release prep fee of {$25.00}. This was over and beyond the XXXX recording fee of {$180.00} which I believe is inflated. The quote fee and expedited delivery fee were just to send me an email with an amount I need to pay. I was ready to pay my loan off on the website by transferring money directly from my bank like I always have and I trusted. The fees charged are a scam and I do/did not trust any of that shady backwards business. I went ahead and made the final payment on XX/XX/XXXX to be done with it. They did not send me a final mortgage loan statement. There wasn't one mailed and there isn't one on the website. On top of all this there was a XXXX XXXX that occured on XX/XX/ which included me and my wife 's name, address, email address, Social Security number, and date of birth. I had no idea this had even happened when I paid off my mortgage. I was not notified until receiving a letter from them dated XX/XX/ to me and XX/XX/ to my wife.
Product: Credit card or prepaid card

The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess. 
My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.
Product: Credit reporting

National Credit System represented XXXX XXXX XXXX for a debt owed in the amount of XXXX. The debt was PAID IN FULL with the agreement of being deleted from my credit report in which however upon checking my XXXX credit report it is currently still showing. After making payment in FULL they faxed me a letter of receipt but failed to remove this account.
Product: Debt collection

XX/XX/2020 Account # XXXX Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Please be clear that no consent or authorization is IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX and TransUnion verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue 1 : Debt is validated but being reported inaccurately Issue 2 : Differing reported balances [ Equifax is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue 3 : Date of last payment is difference [ Equifax is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue 4 : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Bank account or service

I have a American express by bluebird prepaid debit card I withdrew XXXX $ from a atm that I went to because there were no fees to get cash so anyhow the money was never dispensed but came out of my account still the banthat I used the atm at said there 's nothing they could do and said I had to time a dispute with the card carrier so I filed one and the told me it would take 10 to 45 business days to get back in other words since they were n't going to review my situation for 10 business days and then once the review my situation they may have more questions that I half to respond to and then up 45 days to review the questions I answers back. I know the there are laws set by the government and they are breakimy them since they are n't largely regulated
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I requested a loan of {$3600.00} to pay off an automobile repair at XXXX XXXX in XXXX, Arizona with EasyPay Financial Services with the understanding that I would not be paying any interest on the loan if I paid off the entirety of the loan within 90 days of me opening up the loan. I have done this with XXXX other jewelry companies and have had no issues doing so. On XX/XX/XXXX I paid {$500.00}, and noticed that there was an interest charge of {$35.00} which I didn't think would be an issue because if I paid off the entirety of the loan within 90 days I still wouldn't be paying any interest. On XX/XX/XXXX I paid {$150.00}, and on XX/XX/XXXX I paid {$500.00} and when I checked to see what the balance was that was left, I noticed that the entire payment of {$150.00} went towards the interest only and of the {$500.00} I paid that {$70.00} went towards the interests. That is when I noticed that the loan was compounding interest from the very day that I took out the loan and had no intention of letting me have a 90 day grace period to not have any interest at all. When I looked closer at the fine details of the loan, the only thing mentioned was that there wouldn't be any " Finance '' charges for the first 90 days which in fact is a true statement as I didn't have any " Finance '' charges added to the loan and on XX/XX/XXXX I paid the entire rest of the balance of {$3000.00} so that I could end this ridiculous addition of interest each day and subsequently paid off an additional {$78.00} in interest for a total of over {$300.00} in interest for a loan that I took out only XXXX  month ago. That is {$150.00} + {$35.00} + {$70.00} + {$78.00} = {$320.00}. If I could get any of this back I would great appreciate it or add this to any future class action against EasyPay that will occur in the future like has already happend in Washington D.C. and Iowa.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear XXXX  XXXX This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 XXXX XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX  XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, XXXX XXXX
Product: Credit card

I was never late in this account but I am being reported late bu these companies.
Product: Debt collection

A collection agency Independent Recovery Resources ; IRR, Inc. 
XXXX XXXX XXXX XXXX, NY XXXX has placed a negative item on my credit report that's is NOT valid. XXXX XXXX reporting has agreed with my dispute but this collection company has not removed this item from my credit report. It's is listed as a late derogatory credit account without any documentation to back up their claim, no statement of financial obligation.