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

Ive recently went over my credit report and I noticed that there are late payments reporting on Experian, XXXX, & XXXX on XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B 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. They are in clear violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Employee information has not been up date
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to formally dispute the validity of the debt listed on my credit reports with XXXX, Experian, and XXXX, under the account number XXXX, associated with XXXX XXXX for XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor of this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

Furthermore, I am aware of the provisions of the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws.

Please confirm receipt of this dispute letter and promptly initiate the investigation process.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the holder for my Torrid card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Product: Credit card

I disputed a transaction from XXXX XXXX XXXX XXXXXXXX FL that was made on XX/XX/year> in the amount of {$290.00}. Citi closed the dispute stating that the merchant already gave me a credit for this transaction. I contacted Citi seven times, explaining each time that the credit issued was for a different transaction that was made on XX/XX/year>, and that credit was issued on XX/XX/year>. The disputed charge was made on XX/XX/year>, twenty days AFTER the credit was issued for the prior charge. I have called Citi twice, chatted on their website twice, and sent three emails. That is a total of SEVEN times I have contacted Citi about their mistake, and the charge is still on my account. I even sent Citi the return confirmation for the XX/XX/XXXX charge, proving I am entitled to my refund, and they still have not re-opened this dispute. This is a common occurrence with Citi, and it should not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.
Product: Vehicle loan or lease

I am filing a complaint against Exeter Finance due to unauthorized outstanding fees totaling {$1400.00} reflecting on my account. I did not agree to this amount, and this incident is not isolated, as similar unauthorized charges have occurred previously. This recurring issue requires immediate attention and resolution.

Exeter finance verbally told me my vehicle was repossessed two times and thats where the fees are coming from. Also, a {$400.00} charge for having keys made for the vehicle. My vehicle has only been picked up once. I am requesting that this information be corrected and that an itemized bill be sent to me to reflect the charges on my account amounting to {$1400.00} Attached are images of the balance
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I visited Title Max in XXXX XXXX on XXXX XXXX XXXX looking for a loan as I was in a financial bind and needed to pay a couple of bills. I am a single mother with XXXX children who have XXXX. While in the middle of the loan process, I was never told that the loan is basically only a quick loan that should only be used for XXXX days. Also, I was told that paying a little more on my monthly payment, about XXXX to XXXX dollars more, would lower my monthly payment which is does, however, they never told me that the little extra money would be the only money applied to the principal balance. What they should have said is that paying a couple XXXX dollars more would possibly lower the principal balance. I was told the total opposite. In addition, I was also told that they report to the credit bureaus when a payment is made. That is a question that I asked. Upon making my first payment, I realized that the principal balance on my loan was not getting any lower. It was then that I called to only find out information that was a shocking surprise and that I should have been told in the very beginning before accepting the amount that I accepted. Moving further, I am highly stressed about this loan because I was misled. Also, I tried to reference back to my transaction history to see what I have paid so far and I didn't see a trace of it. Where is my transaction history? In addition to this as well, I had no idea that the XXXX is XXXX %. Is this even normal? I don't think so. Had they been clear with me from the beginning, I would have never agreed to the loan. I am on a fixed income presently and unable to afford such a rip off like this. It was very deceitful and I would like this to be investigated. I want to view my transaction history. Also, it seems like my pay off balance is getting higher. Another thing they don't tell you, is that they don't allow you to leave the state with the loan open and that they don't allow you to pay remotely from another state if you decide to relocate. It also seems strange to me that every one of the XXXX reviews has five-star ratings except for my review. This is too unrealistic. I even received a phone call from one of the loan agents trying to be helpful because of her reading of my review. She seemed a little upset which was odd as well. After noticing all of the scam-like situations in regards to my loan, it was then that I finally did a history check on XXXX XXXX and discovered that I was not the only customer who had been deceived. This company needs to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Debt collection

I have my credit monitored. Whenever there are any changes, I receive email notifications. On XX/XX/2020, I received emails from both my XXXX  Credit monitoring and my XXXX  monitoring that a debt collector, I. C. System , Inc., flagged by credit report. I had never received any notification that a debt was attempted to be collected by any company. I didn't even have a reference number. I only had the name of the debt company trying to collect money owed because of my credit monitoring service. I immediately called I. C. System, Inc. and able to verify that its XXXX that wants to collect a payment of {$82.00} dollars. I ask the Debt collector why I had not received ANY notification of a debt owed. The customer service representative told me that they had the wrong apartment number so their letters were " kicked back '' to the company. Therefore, she acknowledged that I received no notification. I asked why they had not called me to verify my address or to inform me of the debt owed and they said that the Company did call my cell phone on XX/XX/2020. However, the company did not leave a voicemail. Also, I have no record of a phone call being received. The company did not have any record of trying to call me after XX/XX/2020. Therefore, the company did not notify me of my debt prior to reporting it and wreaking havoc on my credit report. Instead, the Company waited 90 days after having the account to flag my credit. Now, my credit has been compromised and my high score ruined because of an administrative error due to the company. I do not see how it's fair for a debt collector 's administrative error of trying to collect {$82.00} dollars results in years of hard work undone. I paid the debt immediately. The debt could have been easily settled in XXXX and there would have been no reporting on my credit if the Agency had officially notified me of the debt owed. It appears that the company purposefully waited to report it to credit reporting company so I would call them. The confirmation of payment is XXXX and the Reference number of the debt is XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, I saw a credit inquiry from Bank of America on my credit report ; Called Bank of America on XX/XX/XXXX, confirmed a fraudulent checking account was openned in my name around XX/XX/XXXX. BOA Claim # : XXXX. 

On or about XXXX got a call from Bank of America XXXX XXXX XXXX XXXX fraudulent credit card applications were received and BOA rejected both. They saw fraud alert on my experian account so both applications were rejected. I asked if there is any other account with BOA opened in my name ; I got a NO confirmation. 

On XX/XX/XXXX, while reviewing my credit report, I found an inquiry from BOA on XX/XX/XXXX. So I called BOA customer service again, and this time found out there is a fraudulent BOA business credit card opened using my SSN. The account was opened around XX/XX/XXXX, same as the other XXXX fraudulent application were rejected. The address and business name on the account are not mine ( fraudster changed the address to theirs, business name is something Elevator service LLC ). I filed an Identity theft report with BOA on the phone, the report # is : XXXX. 

On XX/XX/XXXX, I went into BOA branch in XXXX NJ, showed my identification and filed a fraud claim with BOA - Claim # : XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2024. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my credit file from a company called XXXX XXXX, XXXX  removed the account from my credit file but Transunion and XXXX have not removed it, I need them to remove this account because it doesnt belong to me. I took a picture of XXXX XXXX to show XXXX and transunion that XXXX  removed the account.
Product: Mortgage

With all due respect, I am writing this letter to you asking, no begging for assistance. We have had a mortgage with Freedom Mortgage since XXXX of XXXX. The title agency sent two women to come to our home. My husband, whom is dyslexic and has been, signed the mortgage. This is a community property state. They would not let me sign the mortgage contract. My husband signed to a fixed rate of {$550.00} and then oddly, a second amount, another page, same date was signed for {$680.00}, I believe to include escrow. We have not seen either of these amounts, some times significantly higher payments, since XXXX of XXXX. We have at times paid more money and did not get the amount deducted from the principal balance still owing. We have sent payment after payment and they go to an account called, " unapplied funds '' never getting any deduction whatsoever. The account number changed abruptly on XXXX of XXXX, we are a high interst rate of 6.75 % trying over and over again to refinance with other companies and Freedom Mortgage tells these companies, " NO '', we have seen attorney after attorney, filed for bankruptcy although we did not follow through secondary to " we are not bankrupt ''. We have sent each and every payment that has been paid and deposited into Freedom Mortgage 's several bank accounts with no deduction. We were advised by our lawyer to stop making payments in XXXX of which we did but then again began payments on a regular basis and then get threatened over and over again for a foreclosure. We borrowed {$85000.00} and paid almost {$43000.00} in XXXX of XXXX to still be owing {$62000.00}? I called today to get the name of our insurance company and I was told, " your insurance is lender paid ''., so we have no insurance. The fixed rate is {$550.00}. So the account is with Freedom Mortgage # XXXX. The original account number was # XXXX. We don't know what to do. This company has stolen from us. We want to get away fromthis company. What can we do? You all fined and collected {$1.00} million XXXX from this company. We are tired of dealing with them. They are holding our home over our heads. We borrowed {$85000.00} in XXXX, having paid for 15 years ( of which I have each and every document to confirm ), paid almost {$43000.00} in XXXX of XXXX and we still owe {$62000.00}. I don't think so. I have asked you over and over again to help us. Please, Please do. Because I will have to file in a federal court. We are not loosing our home, we are exhausted of paying and not getting credited, and we don't want to deal with this company ever again. Every timne we went for a refinancing, they hurt our credit. And I XXXX XXXX XXXX am not even on the account verified by today 's phone call asking for our Homeowner 's Insurance and the policy number to hear the Freedom Mortgage employee XXXX say, " you don't have insurance, it is lender paid ''. Then what is the money over {$550.00} fixed rate payment going too? And in XXXX of XXXX, I made an extra {$1000.00} to their demand for home owner 's insurance? Someone is corrupt there and it is time for us to get JUSTICE. I will not, will not give up.
Product: Credit card

I would like to request a late fee waiver on my credit card account that was assessed in XX/XX/XXXX, a balance liquidation to a zero percent interest rate. On XX/XX/XXXX I contacted Bank of America knowing that I had not have any late payments exceeding 30 days or more and requested a courtesy waiver on my late fee. 
I was required to go on XXXX Medical Leaves of Absence due to complications related to XXXX and the death of my XXXX daughter XXXX. While on leave my income was cut in half. In addition, my ex-spouse lost his job so I am not receiving any child support. 
While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, In addition, through XXXX, I was able to get free clothing for my children. I also cut coupons to save on groceries. I still have ancillary expenses related to our daughter 's medical and funeral expenses. XXXX XXXX recently approved my home loan mortgage modification but I am stumped that Bank of America is refusing to lower my credit card interest rate to 0 % so I do not go into default where I can satisfy this debt and waive my late fee. I have to debate if putting food on the table takes precedence over paying my credit card since I will never be able to pay this debt off with an interest rate or get further ahead as I have incurred a late fee due to extenuating circumstances due to my pay cycle and running mere days late. If they 're unable to reduce to put my interest rate to zero percent I will be forced to stop paying them so I can keep a roof and food on the table for my children. Obviously, I need my home for the stability my children and a foreclosure would not be beneficial to my community, particularly now that I am making efforts to pay but not under these unfair terms. I do not want my credit card to go into default and need your assistance in any way I can in keeping this account in positive pay. 

I contend that : I can not continue to pay the variable interest rate of 4.9 % without substantial hardship due to the large balance in excess of XXXX. I am making every effort to pay this debt and need your help. 
According to the Credit Card Act Interest Rate Reduction. Section 101 ( c ) of the Credit CARD Act adds Section 148 to TILA. The Section establishes new requirements for changes in interest rates on credit cards under open-end consumer credit plans. Any interest rate increases that have occurred or will occur since XX/XX/XXXX, will be subject to a mandatory " look back '' review at least once every six months, beginning 15 months after enactment. Using a " reasonable methodology, '' creditors will be required to assess the same risk factors used to justify an interest rate increase in determining whether a corresponding decrease in the interest rate is justified. 
Any assistance you can provide would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 
XXXX XXXX of Te XXXX Balance {$7300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

I HAVE BEEN MISS LED " BY NELNET WHO IS MANAGING ALL MY STUDENT LOANS, AND THE US DEPARTMENT OF EDUCATION ' ALL MY STUDENT LOANS ARE REPORTING ' DUPLICATE LOANS EVERY TIME I CALL NELNET AND THE DEPARTMENT OF EDUCATION, THEY HAVE LOANS THAT ARE NOT REPORTING ACCURATELY. THIS PRACTICE HAS RUIN MY CREDIT MY LIVELY HOOD AND ANY CHANCE FOR A JOB IN THE FIELDS THAT I WENT TO SCHOOL TO OBTAIN A PROFESSIONAL JOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Synchrony Bank with the Credit Card agreement for my XXXX XXXX card enclosed. In the letter ( attached ), Synchrony indicated they had made a mistake in not enclosing the Credit Card Agreement when I initially was approved for the card earlier in XXXX. As recompense they indicated in the letter that they would be issuing a credit for any fees and finance charges that were assessed to my account from date of account opening to XX/XX/XXXX. They further noted that any balances on my card for charges made up through XXXX XXXX would be moved to a 0 % interest rate until the balance is paid in full. 

Historically, i have not incurred any interest charges or late fees on this card and so the refund of these fees would not apply in my case. In terms of the 0 % offer, since my payment due date is XX/XX/XXXX i had already paid my balance in full by the time i received this letter and so I also did not benefit from this 0 % offer. Synchrony knew or should have known that certain customers would have made credit card payments by the time the letter arrived in the customer 's mail box thereby absolving them of providing equal benefit to all customers. Those who do not pay in full on a regular basis receive the benefit of 0 % while those paying in full receive no benefit. 

On XXXX XXXX I called XXXX XXXX customer service to complain about the late timing of the letter and the fact that there was no benefit to me since i received the letter after my payment due date. I noted that if Synchrony had sent out this letter earlier in the month that i would have also benefitted. I requested an extension of the period for charges at 0 % to be extended to new charges through XXXX XXXX, XXXX and the employee put me on hold indicating they would check with their supervisor. Shortly after, the line went dead and the rep hung up on me. No attempt was made to call me back even though I had verified with this person my cell phone number. 

I called back later in the day on XXXX XXXX and spoke with a different representative who indicated the supervisor the first employee spoke with denied my request. The second representative indicated there was nothing more they could do for me. I am writing to receive equal benefit for the mistake made by Synchrony and would like 0 % for new charges through a certain date, a benefit extended to others who suffered the same mistake that Synchrony had made. This is only fair and equitable for all customers to receive the same benefit. I hope CFPB can help in this matter.
Product: Student loan

I have been directed by Navient that i was eligible and enrolled in the public service loan program. However after reading about a pending lawsuit i have found out that Navient did not tell me that i could not use this program because my loan is a XXXX consolidation and not a XXXX. This was done year after year, they lied and mislead me to believe i was in the Public Service Loan forgiveness program.