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

CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
Product: Debt collection

OAC # XXXX {$220.00}. 

OAC # XXXX {$530.00} I believe these are medical bills. I sent several disputes to this company and made several other attempts to clear this debt that is in my name. I have and I had medical insurance and I also have Medicare Part A and Part B. This is not my debt. I have been trying to clear this for years which is holding me back and causing me much pain and suffering for years. Please help so I can clear this debt from my name and raise my credit score accordingly. 

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

Capital one credit card company is doing two three credit inquiries a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Ally Bank and XXXX XXXX to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.
Product: Consumer Loan

I called Chrysler Capital ( Santander ) and asked them how they was able to secure my vehicle when they could not legally or properly VIN my unit. They attempted to stated they do n't have to provide information but they can tell by the plate ... I then Saud they have to read it off the unit. They then ignored me and said it was done legally. I confirmed no they did n't and she then went into ignoring me again. She refused to explain how they could repo a unit with out following legal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX Reported : XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXXXXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX XXXX Reported : XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a notice of rescission to Synchrony Bank and to date synchrony bank have not responded lawfully with any response to take action to terminate the security and interest on the account. Per TILA and REGULATION Z I have the right to rescind on any consumer credit transaction, 12 CFR 226.15,226.17, and 226.13. Notice was given to and received by Synchrony Bank in an acknowledged email attached.

More than twenty days have lapsed, and Synchrony Bank have not taken any steps to properly reflect the termination of the securities and interest and return all monies paid on the account. According to 15 usc 1611 and 1640 willful and knowing violation are subjected to criminal and civil liabilities of which I intend to enforce and recover if the matter is not settled in good faith.

Synchrony Bank has been harassing me and making threats of reporting to the consumer reporting agency derogatory information even after my revocation of power of attorney and my rescission. Pursuant 18 usc 894 anyone who attempts to collect any extension of credit by extortionate means shall be fined or imprisoned.

18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both email from synchrony bank below. 

XXXX ( Synchrony Financial ) XXXX To : XXXX Tue, XXXX XXXX at XXXX PM Dear XXXX XXXX XXXX XXXX you for your recent inquiry directed to XXXX XXXX XXXX XXXX XXXX XXXX Bank account XXXX XXXX XXXX has referred your inquiry to me for handling. I am reviewing your concern and will respond in writing within seven to ten business days. If you would like to speak with us regarding this complaint, you may contact me directly at ( XXXX ) XXXX extension XXXX or email me at XXXX. 

Sincerely, XXXX XXXX XXXX of the XXXX Synchrony XXXX : XXXX ext. XXXX
Product: Checking or savings account

I had two withdrawal transactions go against my account. They came in the order of smaller ( {$41.00} ) and then larger ( {$370.00} ). When Chase processed my transactions on XX/XX/19, they processed the larger transaction first, resulting in account overage, then they processed the smaller transaction. They paid for both transactions and then charged my two NSF fees of {$34.00} each. 

I have called Chase on XX/XX/XXXX and spoke to a representative, explained my situation and asked for one NSF fee to be waved. He told me that the bank refused the request. Then I spoke to his supervisor and she told me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was notified Possible finance reported incorrect information on my credit report and immediately notified them. On XX/XX/2023, they responded saying the reporting was correct. The same day I sent proof that it was incorrect ( attached ) and asked to speak to their head of AR. I was transferred to 2 other customer service reps telling me the same thing and instead of fixing the problem, they closed my ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts show as DEROGATORY status on my credit report. Both of these accounts have been settled last year in 2021. I agreed to an amount with BOTH companies to settle this debt and delete these accounts from my credit report. Both of these companies have not done their obligation. In fact they still have a derogatory status showing on my credit report. I do not want these accounts updated I would like both of these accounts deleted from my report. They have had their chance to fix the errors for over a year now and have failed to do so.
Product: Debt collection

The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, hereby submit this personal statement as part of the inaccurate reinserted account on my Experian credit report. 

The account in question is XXXX XXXX with Experian. I originally disputed the accuracy of this account with Experian and requested that it be removed.. After completing my dispute process, I received confirmation from Experian that the account had been removed from my credit report. 

However, I later found that this account was reinserted onto my credit report. This reinsertion occurred without the proper XXXX notice, which I understand is required under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). According to the FCRA, if a disputed item is reinserted into a consumers credit file after being removed, the credit bureau must notify the consumer within 5 days of such reinsertion. 

To date, I have not received any notice from Experian regarding this reinsertion, and I consider this to be a violation of my rights under the FCRA. This reinsertion has caused undue harm to my credit report and my financial standing, as it was removed in the first place due to its inaccuracy. 

I request that this matter be investigated and that the account be removed from my Experian credit report as it was reinserted unlawfully and without proper notification. If this issue is not resolved promptly, I understand I have the right to pursue further legal action and escalate my complaint to other agencies
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts on my credit reportXXXX 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, EQUIFAX, AND XXXX did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof 2 years. I request a copy of the XXXX XXXX or XXXX XXXX advising that if they were going to pull my credit they would have to have all these documents signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

We would like to know why we have paid over {$1000.00}. in payments in the last 6 mos. yet my balance has only gone down {$140.00}. My husband has been out of work since XXXX due to the pandemic, yet we have still always paid more than the minimum payment and always on time. Last month we were only able to pay {$130.00}, still more than the minimum due, but my balance went up {$22.00}. When we made a {$200.00} payment, the balance only went down {$50.00}. It doesn't seem right that the interest and fee every month comes to more than the minimum payment, even though we have never made just the minimum payment. We have other Synchrony accounts, including Conn 's, and Chevron. We have had no problem with these. The course of the Care Credit account seems outrageous but we would like to think it is some sort of error that will be corrected. We have tried to contact them on their website but nothing would go through. I have tried calling, but we get put on hold and disconnected.
Product: Checking or savings account

The company withdrew XXXX sent it to somewhere without letters no me know where leaving me a balance of XXXX they have been holding my money since XXXX I been calling they will not give no explanation for what they are doing I called again to get my remaining balance and close my account they still will not do this I need to know where my money went also I need access to my funds this has been a battle with capital one bank since early XXXX this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current lender is XXXX XXXX  XXXX XXXX. My mortgage loan was due to renew on XX/XX/XXXX. I did not receive letter until XX/XX/XXXX that my loan was to be renewed by XX/XX/XXXX. I called bank and they sent me an extension letter until XXXX, XXXX. In meantime they sent me paperwork to fill out financial info. I had filled out all paperwork and sent to bank. I never heard anything back from them about my refinance Loan. I received letter from a lawyer dated XX/XX/XXXX stating that my loan was sold to XXXX XXXX XXXX. They are demanding full payoff. XXXX is not doing refinancing. I applied at another bank but was denied a loan because of my credit score. XXXX XXXX  reported to the credit bureau that I was late on payments over 90 days for XXXX months. I have never been past due on my payments. They reported past due payments but it was past due on the refinance really. XXXX has ruined my credit. I owe {$21000.00} on my loan that is secured by a mobile home and XXXX acres of land with improvements. No one will give me a loan due to my poor credit score. I never heard anything back from XXXX about my renewal loan. I've called numerous times but the loan officer never returned my calls. I am XXXX and I have nowhere to go. This is my home!
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

From XXXX to XX/XX/2022 I paid total amount of {$3300.00} to Hyundai Finance Co as a part of XXXX XXXX car loan payment ( 72 month payments monthly {$670.00} ). 
Since Mid XXXX I asked to have a copy of the title to transfer car plate from NJ to NY State for a business, the company has neglected with a number of lying and breaking their promises until now.
Product: Student loan

I returned to school at the XXXX XXXX XXXX in XXXX to obtain my XXXX Degree when I was in my early 40s.  I took out student loans with the service provider being XXXX XXXX, then XXXX.  I have been a long-time government employee.  When I first learned of PLSF, XXXX misled and misguided me.  I later consolidated the loans with XXXX  over to the U.S. Department of Education, serviced by FedLoanServicing.  I had many conversations with FedLoanServicing about qualifying for PLSF and what repayment plan was required for me to qualify.

I was misinformed and misled by FedLoanServicing, and after several years of repayment, I was told that I was not in the correct repayment plan.

I recently retired in XX/XX/XXXX, and my income is considerably less than last year.  I need help in getting my student loan debt straightened out, if not forgiven.  The balance has increased so much that I cannot understand why or how.
Product: Mortgage

I have a mortgage through huntington Bank. In XXXX I signed up for the covid relief forbearance program. I did not have to pay my XXXX, XXXX, and XXXX payments. Then in XXXX I filed the paperwork to remove myself from forbearance and defer the missed payments to the back of my loan. I've now made 6 on time payments and my account still says that I'm in forbearance. Besides that my monthly statements show that I owe all those payments. In XXXX my wife and I started the process to get a loan on another property. We were pre-approved and began to move forward with the loan process. This was when I found out my account with huntington still showed my account in forbearance. I contacted huntington and they confirmed that I had been making my payments and my loan was no longer in forbearance. after multiple calls I got someone to agree to send me a letter stating that my loan is no longer in forbearance and my payments since then have been made on time. Its been two months and I've yet to receive that letter. This is now delaying the closing on my other property and I'm now calling daily to try to get this paperwork and every time I call they say they're going to send it but I have yet to receive it. This isn't right and they can't treat people like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, XXXX XXXX, and XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.