23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Fortiva Credit Card Inaccurate Late Payment ( XX/XX/XXXX ) Reported by XXXX Despite Fortivas Confirmation of No Delinquencies Complaint Description : I am submitting this formal complaint regarding a false late payment reported for XX/XX/XXXX on my Fortiva credit card account, which continues to appear on my XXXX credit report despite multiple attempts to correct the error. 

Timeline of Dispute Attempts : ALL PROOF ATTACHED XX/XX/XXXX Certified letter sent to XXXX disputing the inaccurate late payment. No response received. 
XX/XX/XXXX XXXX certified letter sent to XXXX. No response. 
XX/XX/XXXX XXXX certified dispute sent to XXXX. No response. 
XX/XX/XXXX Certified letter sent to Fortiva requesting verification and correction of the account. 
XX/XX/XXXX Fortiva responded via email, stating : As of XX/XX/XXXX, there are no delinquencies being reported to the credit bureaus. 
I submitted this documentation to XXXX via their website. No response or correction was made. 
XX/XX/XXXX A second certified letter was sent to Fortiva, requesting they take direct action to fix the error with XXXX. No action taken by either party. 

Ongoing Harm and Violations : This inaccurate reporting continues to damage my credit score, resulting in credit denials and financial hardship.

I have experienced severe stress as a result of this prolonged dispute.

I have incurred out-of-pocket costs totaling over {$500.00}, including certified mail, printing, internet access, and administrative time.

I have exhausted all reasonable steps to resolve the issue privately.

Legal Basis and Remedy Sought : Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), 1681n, and 1681o, I am entitled to : The correction or deletion of any information that is found to be inaccurate or unverifiable after investigation. 
Potential statutory and actual damages for negligent or willful noncompliance. 

Requested Resolution : 1. Immediate removal of the inaccurate XX/XX/XXXX late payment from my XXXX credit report. 
2. Written confirmation from both Fortiva and XXXX that the error has been corrected. 
3. Full explanation from XXXX as to why no action has been taken after three certified mailings and an online dispute. 
4. Reimbursement of {$1000.00} for damages, including : o Over {$500.00} in direct costs incurred o Credit denials and financial stress o Emotional hardship and time lost This matter has remained unresolved for over a year, and I am now formally requesting that the Consumer Financial Protection Bureau investigate and assist in the resolution of this ongoing and harmful credit reporting error. 
Sincerely, XXXX XXXX
Product: Mortgage

A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.
Product: Vehicle loan or lease

Please see attached for details. I have also reached out to this company dozens of times via phone calls and emails and they do not respond, transfer me to other people who don't help or look into the problems with their company. There resolution to not helping fix the errors that generated from their end was to have my vehicle repossessed. And as you can see in the information I am providing, I have numerous payments that I was making to this company and the confirmation numbers for those payment. Then they had a very unprofessional recovery company come and take my vehicle after their way of handling things was to have it reposessessed from me, which in turn cost my many days without a vehicle and a car left with no gas in it because the repossession company drove my car all over and did not even tow it because they took my keys from me by telling me I would be charged and extra {$150.00} dollars on top of all the other money they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.
Product: Debt collection

I was a customer of XXXX XXXX and cancelled my services. I spoke with multiple representatives of XXXX who have assured me that my services have been cancelled, my account is closed and my balance is {$0.00}. However, I 've received a letter from Hillcrest Davidson dated XX/XX/2016 stating that they have been assigned my account from XXXX and that I owe {$1200.00}. I spoke with multiple representatives from XXXX following receipt of this letter and have been told that I do not owe anything to them and they have no idea why XXXX would be attempting to collect the debt. 

Following my coversation with XXXX confirming that I did not owe anything XXXX told me to contact Hillcrest Davidson to tell them I did not owe anything and that XXXX was looking into what happend. I spoke with Hillcrest Davidson to tell this to them and the gentleman I spoke with started screaming at me telling me that I owed the money, that I needed to pay it immediately and that it was going to start affecting my credit. He then hung up on me. I do not owe the debt and XXXX has confirmed this, yet I am being harassed by Hillcrest Davidson on an entirely groundless basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax makes it difficult if not impossible to contact them to dispute! Although I have an excellent credit score, credit agencies rely on defective parameters to assess credit worthiness and scores. As a senior of advance age, with no factual indebtedness, and substantial assets, there is no basis for criteria revolving around credit debt for the elderly, such as mortgages, car loans, or other loans. It is fundamental of good financial management, as one ages, to clear all long term debt! The lack of debt should not be a negative. Suggestion that I am using more of short term than is factual. No long term debt. For decades, these credit agencies, ignored the facts, and made it impossible to get credit in the U.S., despite my mortgage free home in U.S., and no debt. As I had excellent credit in XXXX, my home base, one would expect these same credit agencies with operations in XXXX, to communicate! The system appears to favor those in greatest debt. Credit scores are too often based on flawed basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Thrift Investment Corp XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent provided evidence in accordance with the doctrine, so you XXXX assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wells Fargo asking for a credit limit increase on one of my credit cards I've had with them since 2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete these inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXX XXXXXXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$8700.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting

my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I WENT TO THE AUHORITIES TO REPORT THE FRAUD I WAS TOLD MY AN XXXX THAN I WILL NEED TO CONTACT THE COMPANY AND THE XXXX XXXX XXXX TO MAKE THEM AWARE OF THIS. I PROVIDED THEM WITH THE REPORT AND EVERYTHING THEY ASKED ME TO SEND AND THEY ARE REFUSING TO REMOVE THE ACCOUNTS ON MY CREDIT FILE. I REQUESTED ALL CONTRACTS AND INFORMATION RELATED TO THE ACCOUNTS AND LOAN TO BE SENT TO ME I HAVE YET TO RECEIVE ANYTHING. There is an auto loan reporting twice at XXXX different amounts I'm unsure but I will list them below. 

I AM REQUESTING THAT THESE ACCOUNTS listed BELOW BE REMOVED FROM MY CREDIT FILE XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX Original XXXX XXXX XXXX Balance {$1600.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$9900.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditoXXXX XXXX  Balance {$2200.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX  {$140.00} Open balance Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos XXXXXXXX XXXX XXXX  XXXX Last reported XXXX XXXX, XXXX {$16000.00} Reported balance XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX XXXX Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XXXX XXXX. 
{$25000.00} OVERVIEW Highest balance {$25000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Product: Credit card

my credit at Chase, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with Chase and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 {$3000.00} Cash was accidentally sent when attempting to check money transfer status in Xoom. Same amount was sent again. Attempted to contact multiple times within 30 minutes to cancel transaction. By the time I got a response 30 minutes had passed and they said to use a different email. When I finally used the requested email they said there was nothing they could do as the transaction had already processed. I let them know that I had attempted to contact them multiple times right after the transaction happened but all they said was their records indicated the " correct '' email requested after 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Daily calls from an Ohio phone number soliciting services of consolidating debt. Every day I block their number and everyday a different Ohio phone number will call me. They are getting rude and ruder when I ask them to put me on a do not call or not interested list. They start reading off my social security number to me as if to taunt me that they have my information. I have repeatedly told them not interested. What can I do to get this to stop? They are not polite and very argumentative when I say no thank you. Sometimes they even call right back when I hang up. Yesterday 's phone call from the foreign representative said he was calling for Chase but I have no idea who is in Ohio and making these phone calls from several different numbers. XXXX, XXXX, XXXX
Product: Vehicle loan or lease

Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ). 


Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX   Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX. 

We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview. 

XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection,  www.consumerfinance.gov. 

Sincerely, Your XXXX Customer Relations Advocate XXXX  Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX
Product: Debt collection

After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!
Product: Checking or savings account

My personal checking account information : JP Morgan Chase XXXX Routing # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX This account has been closed by the bank on XX/XX/2022, with no reason and with a balance {$74000.00}. The bank Promised me that they will send the cashier check to me within 3 months, but I have not received the check yet until today evening I called the bank to complain about 5 times. 
I am waiting for the money painfully and helplessly.
Product: Money transfer, virtual currency, or money service

PNC bank will not allow XXXX to link my account so money can be transferred to me by my company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for several auto loans, XXXX of which from Ally Bank. I ended up not choosing Ally bank to finance my car. Today, on XX/XX/year>, Ally Bank ran my credit report again, which I did NOT authorize. I called Ally Bank costumer service today at XXXX XXXX, after explaining the situation and being placed on hold, I was hung up on. I do not have any other accounts with Ally bank.
Product: Debt collection

I lived at XXXX XXXX for approximately ( XXXX ) years. The housing authority notified management that if certain repairs are not made, the residents would have to move. We were given ( XXXX ) months notice. I moved to my current address in XXXX of XXXX. Approximately XXXX years ago I began getting these notices from a collection agency Shaffer & Associates XXXX XXXX XXXX for {$1600.00} XXXX I contacted " XXXX '' the manager. She said to contact XXXX at the main office and let her know that it was NOT OWED. I never spoke with XXXX until today. She became belligerent saying I owed this money. I have no idea what this is about. I left with a clean slate. I've tried speaking to all ( 3 ) to no avail.