23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

So Ive been cleaning up my credit reports and I happened to notice this tradeline from BrigitXXXX XXXX XXXX there with a Closed, Paid status with 3 late payments reporting on my credit reportsthe problem is is that I NEVER had an installment loan with this company..I contacted them and they said that they deleted the account and any information pertaining to this fraudulent account, but here it is months later and its still on there for some reason. So I contacted them again and they say they have no information in their system involving an account with my credentials reporting to the credit reporting agencies, BUT THEY DO!!!! As you can see in the screen shot provided. It is reporting on my reports which is hindering my financial freedom and it needs to be rectified IMMEDIATELY.!!! Remove this fraudulent trade line from all 3 credit reports, ( XXXX, XXXX, XXXX ) or I will be forced to proceed with my legal representations advice of graying legal action against you all. Litigation will commence if this isnt rectified immediately.
Product: Credit card or prepaid card

Since Covid 19 struck in XXXX of this year, I've been unable to work. I reached out to Capital One customer service in XXXX to see how they were supporting those of us who were negatively impacted by the virus. I spoke to two different reps who all told me the same thing ... they were changing the minimum payment to {$0.00} instead of {$25.00}. At first, I thought that they were kidding, but no, that was their big offer to help those of us out of work. So, the bank would make more $ $ because our total balance would be higher! I wrote a letter to the president expressing my dismay and disappointment in the company. 

Then, yesterday ( XX/XX/XXXX ), I called customer service again because I realized that I had been charged {$59.00} for the annual fee. I called to let them know that I'm still out of work, and asked if they could waive the charge. I again spoke to two different agents and both said no. 

I will now be closing my account because this company doesn't deserve my business. I really don't know how the execs sleep at night.
Product: Debt collection

Client Services can use to call my phone, my spouses phone and my mothers phone leaving detailed information on all of our voicemails. When I tried to call back I am told they need my information to pull up the account. I refuse to give my information because I dont know who Im talking to. I did call the number listed. 
Below is the voicemail left my name is process server XXXX XXXX I've been retained to execute a five at your place of residence your place of employment between the hours of XXXX and XXXX XXXX today as per lawyer _filing party 's contact information because you do have a legal right to attempt to stop here served now the name of the following party on your document his client services that their telephone number is XXXX but I must hear from your filing party before my scheduled attempt some type of stop order to prevent me from executing your summons if I do not hear from this company when I meet with you you're required to show me two forms of identification when you sign for your
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I COMPLAINED to Adp. XXXX  NXXXX & XXXX XXXX TODAY ABOUT TAXES DEDUCTIONS.  THEY REFUSE TO HONOR WHAT I REQUESTED ON W2. THEY CAN CARELESS  XXXX XXXX XXXX. PLEASE HAVE SOMEONE TO LOOK INTO THIS.
Product: Debt collection

On XX/XX/21 I sent out letters to the credit Bureaus asking for verification for the account number XXXX with Midland Funding LLC on my credit report that they assumed was mine and they replied back with with a generic letter saying it was verified. On XX/XX/21 I sent out a second round of letters asking for validation and I clarified what I needed within the 30 days, still they only responded, with a generic automated letter saying the debt was verified. They did not respond with the items I asked for under 15 USC 1692g. I then proceeded to send a validation letter to Midland Funding on XX/XX/21 directly asking for validation directly, and all they sent me was a bill that I never created. On XX/XX/21 I sent reinvestigation letters to all three bureaus with no progress of getting this issue resolved. Neither company has been able to provide validation that this assumed debt belongs to me and I need it removed from my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX
Product: Mortgage

I applied for a mortgage modification with my current mortgage holder Select Portfolio Services. I was told verbally that the trial modification was approved. I waited for the paperwork to evaluate the terms. It never came by US Mail. Therefor I requested that the paperwork be sent via fax. It was received on XXXX. I asked my family attorney to review and thinking I had until XXXX to make my first payment. I was told on XXXX, as I called the company ( SPS ) to ask a question in reference to the terms that they closed my modification on XXXX. I feel as if due to the delay I receiving the paperwork and allowing the time for review I should at least have until XXXX to make my first payment. Please assist and or advise.
Product: Credit card or prepaid card

Wells Fargo, appeared o my credit reports, with a balance of over {$11000.00}, I contacted them by mail, since XX/XX/2015 to XX/XX/XXXX. 

I have further written to them, and has provided with police report, and letter, stating that this account was opened fraudulently. 

I was told, that I needed to make payments, in order for this issue, not to be reported on my credit reports. 

Therefore, I have paid about {$4000.00}, or so on this fraudulently account to prevent them from damaging my credit worthiness. I have filed with this Agency before about this issue. Yet, WELLS FARGO refuses to clear this for me, knowing, that I did not apply for any credit cards with WF. 

I have spoken to date with every ne in the customer services dept., supervisors, managers in the fraud department, and with the headquarters/executive officers, Yet, they continue to request payment s on this account, which is definitely were not opened by me. 

How wf opened this account, when I am I A M A VITIM OF IDENTTY THEFT, AS WELLAS A FRAUD VICTIM, IS BEYOND MY COMPREHENSION. ALL THREE MANOR CREDIT BUREAUS HAVE A FRAUD ALERT ONMY PROFILES. 

I Refuse to take any other payments on this account, when they still ruined my credit worthiness, and I WILL NOT BE LABLE FOR THIS FRAUDLENT ACCOUNT. FURTHER REQUEST THROUGH WELLS FARGO, TO EFUND ME BACK EVERY PENNY, INWHICH I HAVE PAID THEM, YETTHEY DECIDED NOT TO ACKNOWLEDGE MY REUESRTS AT ALL, AS FAR AS I AM CONCERNED, I CAN SUE OR OPENING A FRAUDLENTLY ACCDER MY INFORMATION. I INTENT TO DO SO, IF THEY CONTIUE TO NOT COMPLY WITH MY REQUESTS. 

WELLS FARGO IS A FRAUD CREDIT COMPANY, INWHICH, TEHY FRAUDLENTLY OPEN ACCOUBTS UNDER FRAUD VICTIMS PERSONAL INFORMATION, ANDREFUSE TO MAKE ANY CORRECTIONS TO SOLVE THE ISSUES AT HAND AT ALL. a letter from wells Fargo, states an account ending in # XXXX, balance : {$11000.00}, IN WHICH IS ALL FRAUDLENTLY CHARGES ONTHE THE FRAUDENT OPENING OF THIS ACCOUNT, IN WHICH I have never received, JUST BILING S INTHE MAIL. 

THEY Also HAVE MY NAME WRONG : " XXXX XXXX WITH PARTIALLY INCORRECT ADDRES : XXXX XXXX XXXX, XXXX XXXX XXXX ', THIS TOO IS INCORRECT.
Product: Student loan

I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.
Product: Vehicle loan or lease

Exeter Finance LLC 1. Violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) The original contract violates multiple provisions of TILA by failing to clearly and accurately disclose critical credit terms : Ambiguities in Finance Charges : The contract lists a finance charge of {$12000.00} but fails to reconcile this with the APR and repayment terms. Hidden or undisclosed fees contributing to this amount are a direct violation of TILAs requirement for transparency in credit terms ( 15 U.S.C. 1638 ).

APR Compliance : The stated APR of 25 % exceeds reasonable thresholds under state usury laws ( Ohio Revised Code 1343.01 ).

2. Deficiency Balance and Repossession Sale Violations Under the Uniform Commercial Code ( UCC 9-615 ) and Ohio repossession laws, creditors are obligated to : Conduct repossession sales in a commercially reasonable manner.

Apply sale proceeds fairly and transparently.

Improper Deficiency Calculation Your deficiency calculation shows : Proceeds from sale : {$3300.00}.

Outstanding balance : {$10000.00} ( including repossession and sale fees ).

This calculation fails to account for : Credits for unearned finance charges.

Cancelled insurance premiums.

The deficiency balance appears artificially inflated, raising concerns of predatory practices in violation of UCC standards and Ohio consumer laws.

3. Violations of the Fair Credit Reporting Act ( FCRA ) Your reporting of this account to credit bureaus reflects inaccurate and harmful information : Charge-Off and Balance Reporting : My credit report shows a charged-off balance of {$12000.00} with a past due amount of {$10000.00} as of XX/XX/year>. This conflicts with the deficiency notice and sale proceeds listed in your email, suggesting either reporting errors or misrepresentation. 
Failure to Update Account Status : The status of the account has not been updated to reflect accurate deficiency balances or resolutions.

These discrepancies violate the FCRA ( 15 U.S.C. 1681 ), which requires creditors to ensure accurate and complete reporting.

4. Late Fees and Additional Charges The imposition of late fees and other charges further violates Ohio Revised Code 1319.12, as the contract ambiguously states fees as {$20.00} or a percentage of the installment without specifying the percentage. Such ambiguous terms are unenforceable under state law. 

5. Breach of the Servicemembers Civil Relief Act ( SCRA ) Your communications explicitly recognize obligations under the SCRA, yet no evidence has been provided that repossession actions adhered to these protections. If applicable, this constitutes a further breach of federal law.
Product: Vehicle loan or lease

I paid a payment of {$640.00} towards an extension agreement for the month of XXXX and XXXX. The original representative that processed the extension in XXXX ( before 30 days late ) did not send out paperwork and did not state that paperwork would be sent, she also stated that because the extension was done before being 30 days late it would take effect and that I was able to pay {$640.00} XX/XX/XXXX without penalty to credit reporting. I called in around XX/XX/XXXX again after receiving late notices, I spoke with a supervisor. The supervisor informed me that paperwork would need to be mailed out because I did not receive it nor did the previous representative state that. Supervisor stated extension would backdate to the month of XXXX and XXXX, the extension he created would be a {$0.00} fee because I already paid the fee and I would not have a payment due until XXXX. I still received late notices after conversation with supervisor and returning the paperwork in a timely manner, this went on until XXXX. I called back in at the beginning of XXXX during my grace period because my account was stating I owed almost {$3000.00}. I was trying to figure out what the actual amount of XXXX payment would be, I sat on the phone for XXXX hours and was told that the XXXX extension granted that was later redone by the supervisor was not even Processed at that current time and this was about XX/XX/XXXX. I paid {$790.00} towards XXXX because I incurred late charges because my extension was still not processed even though they did have the paperwork and payment, this payment for XXXX was also paid before 30 days late. I also pulled my credit report and found that ally reported to my credit, being late for XXXX, XXXX, and XXXX. I called back in about XX/XX/XXXX about credit reports, I was then informed that the supervisor made the extension for only XXXX and applied {$640.00} towards XXXX. Then still incurring late charges even though I technically had nothing due, I called back in and sat on the phone for XXXX hours. I was then told that the {$640.00} was applied to XXXX and that the supervisor went back in on XX/XX/XXXX and proceed an extension for XXXX. Therefore making XXXX and XXXX payments late because the extension wasnt processed or even done properly. They also reported my payment as late for XXXX whenever it is not, Ive called multiple times and get nowhere, Ive disputed the items with all XXXX credit reporting agencies and it still continues to be reported wrong after the investigation is completed. Ally told me they would fix this issue originally and to dispute it for faster results however every single time I call I get a different answer and get absolutely nowhere, this is ridiculous at this point. Ally will also not send me a copy of the extensions the supervisor created nor will they send me account information stating where the {$640.00} payment even went.
Product: Bank account or service

Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi
Product: Credit card

Comenity Capital Bank is claiming that I have failed to submit any additional information or documents supporting my claim. This is simply not true and is an attempt to not have to deal with the issues being presented. I have submitted more than enough documentation. In addition, Comenity Capital Bank does not want to respond to the complaint on this format. They stated that they needed more time to respond to the CFPB, yet they had time to send me 2 letters stating their decision. I'm curious as to why they did not respond here with that information? I will be submitting multiple screenshots showing my communication with Comenity Capital Bank and Alphaeon that contradict their claims. I have spent countless hours gathering documents and typing them out to submit to Comenity. I have submitted documents that prove that any reasonable person would not be satisfied with the level of service that was offered. Comenity Capital Bank has yet to refund me a single dollar, yet wants to take credit for already getting me back {$5800.00}. This is not true and that money was returned because of 100 % of my efforts. I was being harassed by theXX/XX/XXXX and being told that if I didn't get the XX/XX/XXXXcomplaint removed that I would only get half my money credited. Extortion is against the law!
Product: Mortgage

I set up an account on XXXX to find a lender to purchase my first home. XXXX provided a small number of lenders that offered low interest rate that were generated from a soft inquiry of my credit report. Quicken Loans contacted me to see if i would be interest in using them as my lender of choice. I told XXXX XXXX the representative that i was using a down-payment i was granted by XXXX XXXX of {$15000.00} and was only! looking for a lender that accepted the grant ... and I only! wanted to know if Quicken loans was compatible and accepted this grant. he was unsure and stated he would check and get back to me but that he would also set up an online account for me to view other programs that they offer for first time buyers. he confirmed the last XXXX of my ssn to confirm my identity which he had from the XXXX lead. next day i check my XXXX account and i have a hard hit from quicken loans.. i was never inform nor did i authorize for them to run a report i only wanted information on them being able to accept the XXXX grant . i left an voicemail with the supervisor XXXX immediately. XXXX called and left a voicemail apologizing and said he reviewed the call recording and i was in fact correct that i was not informed and i did not authorize the report to be drawn.. and that they take this very seriously and will contact the bureau to dispute the report screen since it effected my score lowering it significantly! next day an exceutive of quicken loans calls me to say he reviewed the call and that they will not dispute the inquiry and that it was justified ... even after the supervisor who reviewed the recorded call said it was in fact faulted..
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / XXXX / TransUnion has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened XXXX XXXX Balance : Balance : {$17000.00}. I believe it was reporting in error.