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

I have an account with comenity XXXX, the company closed the account XX/XX/XXXX, so paying my account off by making payments on XX/XX/XXXX was my do date I was late, trying get the money together to pay the account off and that what I did I received a late payment fee which I knew that going to happen, so I call to ask if they would remove it because I wouldn't and can not pay for the late fee, the balance was XXXX and that's what paid because I know I would not the money to keep making payments so paid the balance they told since my account was close they couldn't remove late fee but they can add interest on the late fee and add a late fee for a none pay on the late fee just want to move on I don't have to paid
Product: Credit card

I made a home project purchase from Lowe 's through Synchrony Bank XX/XX/XXXX. 
XX/XX/XXXX, I purchased a stove and ceiling fan which was incorrectly applied to home project account. I charged and paid off in full the same day. Because of the mistake Synchrony is charging interest on that purchase on a daily basis which keeps my interest rate higher than it should be and they refuse to correct the mistake and credit my account. They also applied a Lowe 's refund of {$70.00} to the account when Lowe 's said it would go to me. {$870.00} was the price for the stove and fan. XXXX sold and installed the home project ; Lowe 's provided it and synchrony finances it. The contract is {$180.00} dollars over XXXX mts total {$22000.00} without 9.9 % interest .9.9 % on {$14000.00} XXXX XXXX totals {$13000.00} which is way too much money on a {$14000.00} dollar purchase. I have requested a copy of the contract they failed to provide and got the run around. in spite of the {$180.00} mt agreement Synchrony has increased my payments to {$210.00} a mt which is more money in total. Also, I have a letter from the bank stating could pay off the entire balance with no interest within XXXX mts but I was denied when I inquired. When I purchased, I was told the interest was already built in by XXXX and Synchrony but then they started XXXX $ without notifying me so I lost the chance to pay minimum +interest. I would like mistakes corrected my due refund and a chance to pay it off. XXXX XXXX XXXX XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, 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 XXXX : # 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 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: Mortgage

I was in the process of refinancing. My old mortgage company " Nations Direct Mortgage '' did everything they could to delay the process. I would pay {$150.00} for a payoff report and less than two weeks later it was n't any good so I 'd have to pay for another. We were finally at the end of XX/XX/XXXX. They had taken my XX/XX/XXXX mortgage payment without authorization via automatic withdraw and told me they would n't reimburse my account and I was just going to let it slide. I signed papers and then three days later I received a check from Nations Direct identified as " Escrow Reimbursement. '' So I cashed it. Then all XXXX broke loose. They sent me that money in error. Their error. The escrow reimbursement money was actually withdrawn from the mortgage account and they refused to close until I wired them {$1500.00}. I did that immediately and the process was closed. But from the end ofXX/XX/XXXXtill even today three weeks after the close and transfer of my mortgage I receive collection calls daily. Yesterday XX/XX/XXXX I received my 9th letter of collection notice and a form for Loss Mitigation Alternative Program. I 've called Nations Direct at least a dozen times and explained to debt collections who call me at work, what the situation is but to no avail. Now I find that my credit rating has been affected by a delinquent mark for a mistake they made. When I ask them to retract the mark they tell me no, that I 'll have to write a letter and dispute the mark. Why should I have to fix their mistake? And as of today I still have n't received any of the money that is sitting in an escrow account. because I paid my property taxes for the year ALL of that money should be coming back to me but has n't. This company has put me through XXXX and affected my credit rating with their errors and shows no remorse of attempt to correct the wrongs they 've caused me.
Product: Mortgage

In XX/XX/XXXX, Freedom Mortgage agreed to a trial payment plan allowing me to make specified payments from XXXX to XX/XX/XXXX, with the understanding that these payments would bring my loan to active status and out of default. I have adhered to this agreement, making all payments on time using Freedom Mortgage 's phone service platform. 

Despite fulfilling my obligations, I received a letter in XX/XX/XXXX claiming that my XXXX payment was insufficient, although it matched the amount specified by their phone service. When I attempted to address this discrepancy, Freedom Mortgage was uncooperative, ultimately instructing me to submit a new Loss Mitigation application. I complied and sent the completed application on XX/XX/XXXX, well before the XX/XX/XXXX deadline, and received automatic email confirmation of its receipt. 

Shockingly, I was later informed via a letter received this week that my application was never received, placing my mortgage in default. Additionally, I was warned that my loan might advance from default to foreclosure if I can not make arrangements. Despite the lack of a formal payment arrangement, I continued to make payments for XXXX and XXXX to demonstrate my commitment to resolving this matter and retaining my home. 

I have resubmitted my application today, but I am concerned that Freedom Mortgage is not acting in good faith to assist me in rectifying this situation. This situation has caused significant stress and may result in severe financial consequences. 

I kindly request the Consumer Protection Bureau to intervene and investigate this matter to ensure that Freedom Mortgage adheres to fair practices and honors agreements made with its customers. 

Thank you for your attention to this urgent matter.
Product: Credit reporting

This account was deleted from.my credit file due to the inability to verify the debt. Equfax has since reinserTed the account as negative.. I believe that this is retaliation for filing previous complaints against them for their credit reporting practices. The account is XXXX and XXXX XXXX
Product: Credit card or prepaid card

my credit card with capital1 has unnecessarily been placed on hold for 8 days, on XX/XX/XXXX {$1400.00} was sent to my capital1 credit card from my bank acct at XXXX XXXX XXXX  ending in XXXX, for about 40 yrs i have had this acct with capital 1. i am a senior citizen and need that money immediately. when these holds are placed upon my credit card accts, i am charged by various creditors fees which as a senior citizen i can not afford. this has happened repeatedly. i have no other income other than my pension, and the capital 1 credit card ending in XXXX is the only way i can pay my bills. please immediately direct capital1 credit card company to release my funds on my credit card ending in XXXX i need to pay those bills and use the funds sent to my credit card acct. also, i wish a fine be imposed upon capital 1 for this repeated unnecessary victimization and some compensation be given to me to over the fees imposed by my creditors for their being denied payments through my capital 1 credit card ending in XXXX. I live on those funds and have no other source of income until the XXXX of XXXX please. work fast on this blatant disregard for my financial well being
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$8200.00} XX/XX/XXXXXXXX XXXX XXXX {$72000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a one-year certificate of deposit with Lending Club on XX/XX/XXXX for {$24000.00} that matured on XX/XX/XXXX. A couple of weeks prior to the maturity date, I instructed the bank to upon maturity deposit the balance of the certificate of deposit ( which would be principal plus accumulated interest ) into my checking account. On XX/XX/XXXX, the bank deposited the original principal of the CD into my checking account, but did not credit the interest. ( Based on the CD 's rate, I was expecting an additional {$120.00}. ) I first notified the bank of this on the evening of XX/XX/XXXX by phone to the Lending Club customer service line. I was told that the bank personnel who could address this issue were not available after XXXX XXXX  but that my concern would be addressed on the next business day. There was no action, so I called again on the evening of XX/XX/XXXX. Again I was told that no one was immediately available to address this, but the issue would be investigated and resolved. 

But by XX/XX/XXXX it had not been. I called Lending Club customer service again ; this time around XXXX XXXX. Eastern, while bank staff would be available. I asked to speak specifically to a supervisor with authority to expedite paying the interest due on this account. Unfortunately, I neglected to get the person 's name. But I was assured that the issue would be addressed by the end of the daythat " the interest could be credited manually. '' However, at the close of the banking day, that had not been done. 

I am putting this matter on record with a request that the CFPB take action to require full interest payment. This should be unnecessary ; payment of interest on CDs and savings account is a routine banking actionapparently so routine that I can not readily find a reference on the internet to what the recourse would be if a bank does not pay a depositor interest due on an account when the depositor is in compliance with its terms of service. It apparently almost never happensuntil now.
Product: Consumer Loan

I checked my credit report to find an unauthorized inquiry from chase auto in 2015. I received a letter in 2015 stating it will be removed. I also know this issue should have been cleared last year. I have a copy of the response from chase auto provided to me saying this error would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.
Product: Debt collection

I originally submitted a dispute because a collection agency kept calling me for an account but would refuse to give me any information because they couldn't verify my full name, SSN, address, and or date of birth. After requesting a Validation of debt letter and not receiving anything in response I submitted a dispute with the CFPB. They finally responded by sending me a bill with another persons name which is similar to mine but not me and a different address that I have never resided at. I contacted the original merchant of debt and was informed that the account the collections agency is trying to charge me for is not affiliated with my full name, nor SSN, nor address, nor date of birth so they weren't sure why the collections agency was trying to charge me for an account that did not belong to me. Once again this is not my account but belongs to a person with a similar enough name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX  XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Amex XXXXXX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Amex XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting unauthorized and fraudulent inquiries. Someone has been using my name, social security number, and personal credit reporting information to apply for goods with banks.

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

I disputed a charged off account with Transunion on XX/XX/2019, that Transunion failed to investigate and update properly on my credit report after receiving proof that the account was paid and sold to another company Transunion tried to submit an ACDV to the original creditor who no longer has the account Transunion failed to conduct a reasonable investigation or update the derogatory account to a paid status they are still reporting the account as delinquent when it's not.
Product: Student loan

I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) 15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene the consumer financial protection act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation.

This are the accounts that I marked inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted  XXXX   XXXX   XXXX  over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In  XXXX  when I had the Debt It was paid off and I returned equipment.  XXXX  the item is still reporting on my credit report as I have multiple time tried to inform  XXXX   XXXX  I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to login to Experian website to dispute something on my report. 
When I attempt to log in I'm directed to a page that asks only for your log in info, then flips back to the main log on page. This happens over and over. 
Tried every phone number they have online only to get an automated operator that doesn't offer any assistance with logging in. Can not reach a live person for help. 
This same complaint is all over the web and XXXX from many other people. Please help, we are forced to use this company and cant access our information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood. 
Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian 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 inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;