23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied to have my loans consolidated into XXXX payment on a income based repayment program. I received a letter on XX/XX/ stating I had 10 days from the date on the letter to call them with any questions or they automatically consolidate it. The letter is dated XXXX so thats already 5 days even though I just received it. So I called on XX/XX/ as soon as I received the letter as I am confused about certain things and I am not sure if I want to go through with the consolidation. I was on hold for 3 hours with no one ever answering the phone. So I called back today XXXX right at XXXX XXXX eastern time as soon as they open and now I have been on hold for XXXX minutes and counting without speaking to a real human. I am nervous I am not going to get through because no one ever answers and I only have a few more days to speak to someone before they automatically consolidate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I searched the web to find lenders to assisist in purchasing my home. I immediately get a call from Rocket Mortgage. I explained to them that I did not want a hard inquiry done because I had been improving my credit for the last 3-5 months, and could they just answer some questions. The phone call ended with an understanding that I would need to improve my XXXX XXXX. On XX/XX/XXXX get another call from a different agent from Rocket Mortgage. I explained that I had already discussed what I needed to accomplish with one of his co-workers/agents. I told him it was important for me not to have a hard inquiry done at this time. I even told him I would be very angry if he did a hard inquiry and would not be able to assist me. He continued to convince me into checking my credit report with smooth talk, after I told him repeatedly that I was sure that I would need to increase my credit score and the hard inquiry would hurt me at this time. He continued to convince me after I expressed to him continously and I gave in. Unfortunately, he could not help me and my credit score decreased immediately. I called the company to have it removed, because I felt I was persuaded to fit his needs and not mines after I repeatedly told him a hard inquiry would hurt me tremendously. His XXXX  and cunning tactics has set me back from my accomplishing my goals. I feel this company should remove this hard inquiry from my credit report immediately because he acted deceptively to get my permission to pull my credit report.
Product: Credit reporting or other personal consumer reports

I have several fraudulent hard inquiries on my credit report that I need deleted. Such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Porfolio Recovery has repeated called me before XXXX and a few times after XXXX. Told them a few times to stop calling me but they continue to violate 15 US Code 1692d ( 5 ) ( 6 ). The debt collector will call and give out my personal information when I have no even identified myself nor will they identify themselves before divulging said information. Portfolio Recovery has also never validated the alleged debt per 15 US Code 1692g despite harassing me multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed c/o with finger hut listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX  with cfpb on XX/XX/XXXX, the issuing bank web bank sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX XXXX  sent and information listed in said letter, I disputed the finger hut account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that web bank provided the following errors are listed on the account for XXXX XXXX that experian updated on XX/XX/XXXX as verified from XXXX XXXX 

CR= Experian  credit report. 
LTR= XXXX XXXX letter acct open date. 
CR-12/28/2014 LTR- XX/XX/XXXX Payments CR-XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. 

Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. 

Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to XXXX on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. 

XXXX XXXX in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. 

the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. 
experian lists on the account last update from XXXX XXXX  as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX XXXX. 

The letter that XXXX XXXX sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. 

at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experian 's web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX
Product: Debt collection

The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by XXXX. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that XXXX has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, XXXX  ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes.

In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit card

I opened a capital one venture XXXX  card in XXXX XXXX the card offers a XXXX bonus mile promotion for spend in the first few months on the card and also offers the ability to convert miles to loyalty currency at several capital one partners. 

Once I established my account, I tried to go into the part of the online portal to link my other loyalty accounts in preparation for using the convert miles feature. When I tried to access that part of the site, I received a XXXX two-factor auth challenge asking me to verify my phone number. I entered my phone number, and it said the number could not be found. 

After XXXX phone calls to Capital One to try and solve this issue, I'm still not able to access this part of the site. The last XXXX representatives I spoke with said this is a security challenge working as designed and could give no information on when or if I would ever receive access to this feature. 

The phone number is mine, and has been for over 10 years. It's the same number used on the application and at login for authentication. there are no other verification options available to access this part of the portal. 

This bonus and conversion feature are why I signed up for the card. and capital one has not provided me any justification for why I would not be able to access this part of the site. I have a time sensitive purchase to make using this, and I'm not able to use it. It's effectively deceptive advertising to provide no explanation and no alternative for why I can't access this part of the portal.
Product: Credit card or prepaid card

First incident was on XXXX I received in the mail a Surge Master Card from XXXXContinental Finance that I never applied for and immediately contacted the company and cancelled the card on that same day. Was a pain to get it cancelled and they would not provide a confirmation number of cancellation/closure but assured it was. They did give me the operator code who did this as XXXX. After that was done I filed a complaint to FTC Report number : XXXX and wanted them to be aware that this company is is allowing fraud to happen. Then I signed up for XXXX and I froze my credit with them, but didn't do the other XXXXwo as I wanted to monitor. As of today XX/XX/23 I got a second new credit card from the same company that I didn't apply for and of course during the holidays they were closed for me to call and cancel so I will try and call them ASAP Monday to do, so but either way someone is committing fraud big time with my information and it wasn't me and now I'm worried this will get worse and I can't afford to pay for credit screening services monthly for all three and I need this company to be made liable to allow this and remove / black list whatever needs to be done get my name off their records 100 % because now I don't trust that they are a legit company and have actually cancelled/ deleted me out of their system. I also think others are having the same issue I am with this company Continental Finance XXXX XXXX as it looks like they don't care period as case in point a new card was sent to me today and it wasn't me requesting it.
Product: Credit card or prepaid card

Hello this is a ongoing matter for 2 months approaching 3 by the time you guys get to this complaint, I rented a car back in XXXX with XXXX car rental in XXXX ga, there was a XXXX. However the car ended up being XXXX, which was paid with the same credit card.,. However the XXXX was never returnt from the merchant, I called and discussed with destiny card services the XXXX was credited to my account XX/XX/XXXX but for whatever reason the charge was reversed back to my card on XX/XX/XXXX. Putting me over my credit limit the credit company ( destiny ) went and back dated my report as over the credit limit and dropped XXXX points, they have acknowledged the mistake but had yet to fix or repair the incorrect reporting to my credit!! Now all I a getting is hang ups and transfers they keep closing out the card as fraud just dont understand why. This matter has affected my stability, I cant get approved for a apartment I have been living in a hotel because of my debt to income ratio!! 

XXXX car rented authorization XXXX XXXX car returnt authorization XXXX XXXX XXXX credited back to me XXXX XXXX charged back to me XXXX received letter from card issuer of reversal with included a detail letter from the merchant that validates what I said happened XXXX card issuer reported over credit limit for 2 months ( 60 days ) XXXX credit score dropped XXXX points XX/XX/XXXX no resolution no response to certified letter sent no credit back of XXXX and no report opened for incorrect data on my account
Product: Credit card or prepaid card

I had an interest free loan with Care Credit ( Synchrony Bank ) that expired on XX/XX/XXXX. I was current with payments. In order to avoid interest, I applied for and received an online credit card for a balance transfer card, with zero interest, for 21 months through my XXXX XXXX XXXX account. I have been their customer for 25 years. When filling out online transfer information I gave them my full account name and number for where the payoff would be sent. I also sent the next minimum payment to Synchrony to manage any possible processing time.But when the payment never showed up, I called XXXX XXXX XXXX and they told me several things unspoken before. 1 ) Is the payment would be sent to me to send yet again to Synchrony and NOT electronically. 2 ) That because I had applied online vs in person or by phone, It wouldn't be sent directly to creditor 3 ) That Synchrony bank never accepts electronic payments. They told me they would STOP PAYMENT on the check and I was to destroy it but they would send it directly. The check did not arrive until XX/XX/XXXX and I destroyed it. BUT Synchrony charged me {$2100.00} interest on XXXX!!! I paid that down with another balance transfer electronically. However, the second check sent directly to Synchrony for {$11000.00} was RETURNED as unaccepted to XXXX XXXX XXXXXXXX. I noticed unpaid funds after they posted then unposted! I called both banks! Synchrony would not allow me to make the {$11000.00} payment online but gave me a different address to overnight yet another check. It was supposed to be processed today but hasnt yet. WHO OWNS THIS PROBLEM? As a consumer how would I have known this convoluted process! Why did it cost me {$2100.00} to try to reduce my interest?
Product: Debt collection

I recently put in to settle a debt that has been on my credit report it said that it was sold to portfolio recovery llc i went on the website and was able to make payment arrangements to pay XXXX a month today was my first payment but i received no receipt from them so i went online to view the account and could not get on i contacted live chat and spoke to XXXX and was told that my account was not eligible to be viewed online but amazingly i was able to sign up to make payment arrangements and then i told him that i would need to receive receipts for these payments something showing that im.making these payments and what the balance is and im being told that i can not receive those either and that due to my states laws i can not receive receipts or statements i have never heard of such nonsense and so they can pretty much take whatever amount for however long cause i would not know what my balance is without a receipt and then being told he would have to speak to a supervisor to possibly receive any form of paperwork about this debt i am very concerned because they have my credit card now and dont want to provide me any information about my bill i really need help in this matter
Product: Credit reporting or other personal consumer reports

I am adding additional information to this rebuttal to formally dispute PennyMac Loan Services, LLCs continued improper credit reporting. On XX/XX/XXXX, XXXX reported my account as delinquent to credit bureaus, despite their own records showing my account as current. This action constitutes a direct violation of the XXXX XXXX ( XXXX XXXX. XXXX ( c ) ), Fair Credit Reporting Act ( XXXX  ) ( XXXX XXXX. XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX. XXXX ), and XXXX XXXX XXXX guidelines. 

Key Evidence of XXXX XXXX XXXX XXXX : XXXX. XXXX XX/XX/XXXX Statement Contradicts Their XX/XX/XXXX XXXX XXXX XXXX reported my loan as delinquent to the credit bureaus on XX/XX/XXXX. 
However, their own XX/XX/XXXX billing statement shows a {$0.00} overdue balance. 
This proves their credit reporting was incorrect, misleading, and non-compliant with industry standards. 
XXXX. XXXX Acknowledged My Forbearance But Retroactively Applied Delinquencies CARES Act Violation The CARES Act mandates that if a borrower was current before forbearance, the loan must continue to be reported as current throughout forbearance. 
XXXX admitted in their CFPB response : While enrolled in the forbearance plan, the loan was reported as current and on a forbearance. 
However, after my forbearance ended, they retroactively reported delinquencies for XXXX XX/XX/XXXX, violating federal protections. 
XXXX. Failure to Investigate & Correct Inaccurate Reporting FCRA Violation ( XXXX U.S.C. XXXX ) Under the FCRA, XXXX must XXXX credit information is accurate and conduct a proper reinvestigation of disputes. 
Their decision to report delinquencies on XX/XX/XXXX, despite showing my account as current in their own records, proves their reporting is false. 
This also contradicts XXXX XXXX credit reporting guidelines, which require that accounts in forbearance not be reported as past due. 
XXXX. Failure to Accommodate XXXX Servicemember Status SCRA Violation ( XXXX XXXX. XXXX ) As a XXXX servicemember, I was entitled to protections under XXXX, yet XXXX : Failed to provide clear notice about how my account would be reported. 
Relied on online-only disclosures, despite my limited access while on XXXX XXXX. 
Retroactively applied negative credit reporting despite protections against such financial harm.
Product: Credit reporting or other personal consumer reports

I've mailed in these documents previously and recieved a response saying that these accounts were verified. I didn't asked for verification. I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from Macy 's to American Express.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns about errors I have discovered in my credit report. Upon reviewing it, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing discrepancies, and accounts that do not belong to me. These issues are negatively affecting my financial stability, and I urgently require your assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Im XXXX XXXX XXXX. my mom received two collection debt letter but im sure its not me. I lived in XXXX for two years im work on the XXXX. The only XXXX  account what i have before is paid and close long time ago. I just have four account open and i dont have anything else. The send me a two letter with different amount with just days of difference. I will put part of my credit report with this report. I m attach the two debt letter what i received. This is not my.