23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In early XXXX, Westlake Financial updated their mobile app. This happened early in the month. Ever since, everytime I go to make my payment on the due date, the XXXX each month, they do not accept my payment. When this happens I receive anywhere from $ XXXX {$50.00} worth of late fees. The issue only occurs when paid on my due date, but not when there is a late fee attached to the payment. Speaking on the phone with them, they claim that their system voids my payment because it can not find my bank account, however, they always find it after applying extra fees. 

In XX/XX/XXXX I signed up for Automatic billing payments. After speaking with them on the phone today XX/XX/XXXX they claim that I am not on auto payments. Again clarifying to me that their records are not matching their mobile app. 

My XXXX payment was supposed to be automatically taken out on the XXXX, I checked the app the XXXX, XXXX, and XXXX and it showed it had submitted. They called me the XXXX and stated I was past due. 

I have screen shots from previous months that are time and date stamped on my phone showing that they are erasing payments from the system until I pay extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) XXXX to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to Fed Loan directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.
Product: Debt collection

I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. 

This game debt collector had my address and the exact balance that was due last month,
Product: Debt collection

I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX account ( XXXX ) is reporting an account as open. I have called XXXX XXXXXXXX XXXX and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.
Product: Credit card

I am writing to follow-up regarding my dispute for the following transaction : - Transaction Date : XX/XX/ - Transaction Amount : {$2400.00} - Disputed Amount : {$2400.00} Bank of America has failed to properly follow their own dispute process and has threatened closure of the dispute, even after sufficient evidence was provided that was not adequately considered.
Product: Mortgage

On XX/XX/XXXX we had a forbearance plan ( due to the Covid pandemic ) until XX/XX/XXXX when we voluntarily took ourselves out and began making regular payments after the required three-month trial period. We were told that we could put the money on the back of the VA loan and make regular payments. We never received the modification agreement packages that we were promised. We continued to pay from XX/XX/XXXX to XX/XX/XXXX. They never sent the full modification paperwork agreement. However, they finally sent a partial claim but that was not what we agreed to. We originally were offered the full modification ( that program twilighted that we originally agreed to for a full modification ). Then they ( the mortgage company ) declined us and made a false report to the credit bureau and to the VA that we were not making our payments and that they are going to proceed with foreclosure. So we reported to the credit bureau that it was not true and to our VA that it was not true and sent in all of our payment receipts for review, The mortgage company corrected the credit bureaus to show that we are 100 % good, but filed a default judgment in the county office for nonpayment. We discovered that they did not apply any of the payments we made to any of our accounts ( without our knowledge for over a year it was put into a suspense account ) and charged us from XX/XX/XXXX to XX/XX/XXXX interest 3.25 % fee for all the payments that they did not register to our account although they were accepting payments. We tried to sell our house because of the negative remarks and the constant letters of foreclosure and knocking our credit scores from XXXX to XXXX whereas, by their false claims, we could not even do a refinance or borrow money from anywhere else because they messed up our credit score by continuously inquiring and denial of our credit when they assured us that we could do a home loan. And because it was our mortgage company that would do the loan whereas they even had us do an appraisal ( they ultimately refunded me the fee after I complained that they knew I did not qualify because of the low credit and the constant inquiries and denials, of course, brought my credit score down. And afterward informed me that my credit score was too low to do anything. Now that we are put in default we must sell our house for way under value. And threatened that if we do not do it we will lose our VA entitlement and credit be messed up even more. We believe that after we supplied the proof of our receipts to other agencies the mortgage company purposely stopped accepting our payments to be able to default on our home and this is unfair practice and should be investigated thoroughly. Furthermore, we tried to take equity from our property so that we could settle our bills and pay arrears but they constructively caused us financial upheaval while also ruing our reputation and creditworthiness.
Product: Debt collection

I have been disputed this company since last XXXX. I dont have no clue who this debt or creditors is. I do not have a account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as there are still unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

This is my third formal request to remove inaccurate and false information from my credit report. The Collection company is XXXX XXXX XXXX XXXXXXXX and original creditor is XXXX MOBILITY the amount is {$5500.00}, Date opened XX/XX/year> Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to FCRA Section 611 Part ( XXXX ) is a direct violation of my rights under several federal laws, including but not limited to 15 U.S. Code 1692c 15 U.S. Code 1692g, 15 U.S. Code 1681 e ( b ) The continued reporting of false information, especially the misuse of my personal information, is not only unlawful but also damaging. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. 
I request this false report to be removed from my XXXX, TransUnion and XXXX report. 

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balanced Owed : {$3600.00} XXXX XXXX XXXXXXXX Balanced Owed : {$3000.00}
Product: Student loan

Once I paid off all my student loans through fedloanservicing, I am unable to review any of my loan history - I can't see payment history, capitalizations, interest accruals, nothing. 

Since XXXX, I have sent countless messages through their online system, I have called, I have gone through other avenues for them to send me my full account history since it all of a sudden disappeared once my loans were paid off. 

I never got a message back - just an automated email telling me I can find that information through the portal. No. No I can not. It is unavailable because I paid the loans off. 

When I called, I was advised they would be sent to me via mail. They were never sent to me via mail. 

I have been waiting since XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a XXXX XXXX XXXX XXXX as an advertisement was of interest to me. The advertisement indicated that installment loans of up to {$55000.00} were available to eligible customers with terms as low as 66 monthly payments at a rate as low as 7.42 %. I was approved for {$55000.00} and decision and final loan agreement came in the mail indicating that congratulations were in order - I was approved for {$55000.00} with a rate of 12.86 % over XXXX  months. My score report indicated my score came back as an XXXX. I inquired as to what would have been necessary to obtain a better credit decision. If my XXXX score and income coverage isn't sufficient... essentially whose is? The XXXX XXXX 's outsourced lender XXXX was not able to provide any information. In response to my inquiry, they simply told me that the decision was final. This is purely a predatory lending practice in as XXXX and XXXX  as I've ever seen. The immense cliff with which their rates are structured and the predatory nature of flaunting eligibility of up to {$55000.00} with rates as low as 7.42 % when it's fundamentally impossible to obtain both is egregious to me. I don't plan on using this card lest any measurable financial losses take place, however I will be set back partly by having a hard inquiry on my report now. 

Thank you for your help in looking into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I opened a checking account with XXXX XXXX XXXX. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my two granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my ChexSystems Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that XXXX  XXXX XXXX had reported me to ChexSystems in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The ChexSystems report also indicated that I had an unpaid amount owed to XXXX as a result of the closed account, which is also inaccurate. 

I contacted XXXX several times to request that they remove the false information from ChexSystems, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe XXXX any money ). 

The false and negative report by XXXX  XXXX XXXX to ChexSystems is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the report.
Product: Checking or savings account

XXXX XX/XX/XXXX I contacted Bank of America about a fraudulent account that was created in my name. They indicated that they would close the account. Three weeks later I received a statement indicating that the account was not closed. I called them and was forward to the fraud department four times. The first two times I was hung up on. The second two times I waited for over 45 minutes with no response.
Product: Credit card

I just received a Change in Terms notice from Synchrony Bank for my Lowe 's credit card. They plan on charging customers a {$1.00} monthly fee to receive paper statements. How is this possibly legal?? What are elderly people or any other demographic without computer access supposed to do? I am truly shocked the CFPB allowed this type of change. 
But then again, you are the same agency that is forcing credit card banks to lower late fees. You realize you are removing the incentive customers have to pay their bill on time, right? 
So, you are good with an unnecessary paper statement fee but not ok with a legitimate late fee. Brilliant.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Old accounts over XXXX XXXX XXXX still appear on credit file with Equifax. 
XXXX XXXX XXXX XXXX XXXX I have tried several times to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made XXXX payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX  card on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank XXXX twice it seems XXXXXXXX XXXX American Express  XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of 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

On XXXX XXXX, XXXX I sent certified mail to XXXX and Equifax credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?
Product: Credit card or prepaid card

I have a credit card with Capital one Bank for over 5 years. 
I used the card regular. 
My due date is the XXXX of every month if there's a balance. 
On XX/XX/2022 my balance was {$3900.00}. 
So I made the full payment of {$3900.00} so that my account can have a 0 balance. And would not have a finance charge. 
The {$3900.00} was deducted from my checking account on XX/XX/2022. 
And as of today XX/XX/2022. 
My payment have not been credited to my account. 
And Capital one charge the {$45.00}. For finance charge. 
I'm not paying any finance charge because I paid off the balance to XXXX I need my {$45.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to XXXX & XXXX XXXX and originated with XXXX XXXX and {$570.00} to XXXX XXXX XXXX originating with XXXX XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX and XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX & XXXX XXXX and XXXX XXXX XXXX which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX