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

On XX/XX/XXXX I disputed Old Navy/Synchrony Bank account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called XXXX after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau XXXX and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what Synchrony bank told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active synchrony account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.
Product: Debt collection

I have disputed a few debt collections bought by Portfolio Recovery. I have attempted many times for them to prove that there has been payments made to two of said debts. There are reporting one bought debt at 3 % off of debt and another at 5 % off. I have never made payments to this company or org company after the account was close. After many attempts to have them verify all the accounts they hold in my name, they never send the documents or details that is required by my state to rec. I always just get huge prints out of nothing but incorrect info and no documents to show proof of payments that is being reported. Also they have scared me into hiding my identify to stop sending sheriffs to my home or business. I have reems of paper they have repeatedly send same information and cost me money to keep sending them back letters to get proff. They even harassed me and scared me enough to take me to court and all the times the judge would dismiss with prejudice. Even after their attempts to sue me over these, they continue to make me scared to answer my door or give out my phone number for the harassment and sent more sheriffs looking for me. One of the summons even was failed to deliver after three attempts to scare me more and send me to court again, this one had to be dismiss my the town clerk I think they are still reporting the three judgments that judge dismissed and they are still reporting that I made payments. With no such proof of payments to them. I cant send you documents have the papers I have saved over the years for the many repeat info that is never showing or proving everything my state has for them to correctly continue to report.
Product: Credit card or prepaid card

Capital One supports XXXX by refusing refund {$780.00} for services that were never rendered and were cancelled in accordance with COVID-19 Government Regulations. I paid with Capital One credit card to 3rd party broker XXXX  for XXXX XXXX reservation in XXXX FL, for 1 night XXXX for {$780.00}. Night before the reservation, on XX/XX/XXXX, city was closed by Mayor orders due to Covid-19. I promptly called XXXX and contacted their customer support chat informing of cancellation. Customer support assured me they will resolve matter within 21 business days. After 21 business days no refund was issued. I called Capital One and requested chargeback. Two months later to my surprise, Capital One reversed charge back ruling in their favor. I was shocked, called Capital One back, Capital one said they need proof that XXXX never charged me for reservation. I obtained proof from hotel directly in the email confirming reservation was cancelled and never charged. Called back Capital One to show them that evidence they requested was obtained. Capital One now said that I am still not entitled, even though I provided support that they initially promised would support the basis for favorable despite resolution. Confused, incompetent work on Capital One side. Services were never rendered, reservation was never charged by hotel, crooks from XXXX perpetrated fraud and Capital One defended in XXXX 's favor. Was shocked to learn that Capital One can support fraudulent organizations. Additional support and communication provided.
Product: Credit card or prepaid card

Daughter XXXX XXXX XXXX signed up for American Express Hilton Honors Surpass XXXX, Account Ending XXXX. XXXX was never received and hence do not have a card number for reference purposes. American Express was contacted on XX/XX/23 at XXXX XXXX : XXXX to review account including a {$95.00} fee. American Express detailed that {$95.00} was annual fee. Requested that the card be cancelled and since card was never received, the {$95.00} fee be removed. Response from American Express was that if card was cancelled the {$95.00} fee will remain. Accordingly alleging deceptive practices.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts on my credit report, and I have no idea why they appeared. I checked my report as I usually do, but this time there were discrepancies that completely caught me off guard. I tried refreshing my browser, thinking it might be a simple error, but the wrong accounts were still there. I'm asking for a thorough review of the documents I've sent so that I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account XXXX account XXXX XXXX. Specifically, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the COVID-19 pandemic. 

The following federal laws protect my consumer rights and have been violated in this case : XXXX. XXXX ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. 
2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXX assistance plan, so the late payment information is inaccurate. 
3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the COVID-19 assistance terms, violating this requirement. 

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the COVID-19 pandemic. 

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a COVID-19 assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.
Product: Credit card

I believe the account is invalid. HEIGHTS FINANACIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HEIGHTS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not give permission or consent to XXXX to funish my report.
Product: Payday loan, title loan, or personal loan

on XXXX XXXX I called to tell upgrade to stop ach payments and they said no problem but to write a letter to verify which I did the same day. the ach payments did not stop and I filed XXXX  XXXX bankruptcy on XX/XX/XXXX which upgrade was notified and given the judges orders to cease collections. they did not. I called my bank and they stated upgrade had documents that they had my permission for ach even after I stopped that. they continued to take monthly payments until a reprimand on XX/XX/XXXX XXXX no one there knows what happened and XXXX  XXXX XXXX still says occasional attempts to correct the amount due are still being attempted. they were notified in XX/XX/XXXX and again XXXX XXXX they won't discuss the account further.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX BANK XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX "
Product: Mortgage

Predatory buisness practices. XXXX XXXXXXXX XXXX Purposely creating a loop by selling my mortgage every year announced and unable to find and not allowing me to pay on time during the transition so I can not remove PMI insurance from my mortgage.
Product: Debt collection

For the past two years I have been disputing and requesting information regarding this alleged debt with National Credit Audit Corporation. I do not owe this debt. I never received any correspondence including a debt validation letter from this company. Multiple times I have requested the Following Documentation from this company : 1. Copy of a signed contract that I have with National Credit Audit Corporation 2. Lease signed in wet ink by myself with National Credit Audit Corporation.

3. Proof that a Debt Validation letter was mailed to me regarding this debt BEFORE this account was furnished to credit reporting agencies. Tracking numbers or signed Certified mail Return Reciepts as proof to my current address.

4. Proof and documentation that this company has the rights and authorization to collect a debt in my state.

5. Itemized list explaining in detail why this company believes I owe this debt.

I have NOT received any requested documents from this company. I do NOT have a contract or lease with National Credit Audit Corporation! There have been 5 certified letters that I sent to this company requesting these documents and all except 1 was signed for and received. However, I have NOT received any of the demanded documents and this account is still being illegally reported on my credit file. This company also ignores and refuses to answer complaints on the XXXX  website from consumers who are exercising their consumer rights. Companies of good moral beliefs and who act in good faith do NOT do business this way.

Furthermore, it is in direct violation of the FDCPA to furnish an account to credit reporting agencies without allowing the consumer to validate or dispute the debt. A consumer has 30 days to validate a debt prior to the data furnisher placing said account on a consumers credit file. Of course, no said letter was received. 

FCRA section 623 states that a data furnisher ( which this company is ) may NOT continue to furnish inaccurate or incomplete data to a credit reporting agency after the CONSUMER NOTIFIES them of an inaccuracy or dispute. 

FCRA regulations provide that consumers can seek damages and relief by legal actions from companies who willfully violate FCRA consumer laws. 

I am filing a CFPB complaint to hopefully get this corrected immediately and removed from my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with US Bank. I have been making the minimum payments, however the past two months US Bank has started to apply the payments to the interest only and my account balance has actually increased. Indicating I will never pay off this loan and only get into more debt because of it. I called in on XX/XX/XXXX and I was not able to get a concrete answer, but instead the agent kept giving me different reasons, none of which added up. I strongly feel US bank is miss-handling the loan, hiding the whatever math they are using, and behaving in a bad-faith manner.
Product: Mortgage

My wife XXXX and I, XXXX met with XXXX Of CHASE on XX/XX/XXXX to discuss a refinance of my mortgage loan No. XXXX. 
We proceeded to fill out all of the paperwork and at that time I mentioned that due to XXXX, we had to take out a SBA loan, and would that be a problem. She said that as long as the SBA agreed to be 2nd on the mortgage, there would not be a problem. Over the next couple of months, we supplied all of the paperwork that CHASE requested, usually the same day. The week before XXXX we were told that the loan was approved, and the closing would be in a couple of days. We were very excited. That lasted for a couple of hours, that is when I received a phone call saying that the closing would be delayed because the SBA was never contacted! I was furious! I asked why were they never contacted? The reply was " it feel through the Cracks ''. Over the next couple of months I kept asking, daily, what was going on? I was told that they could not get any answers from the SBA. I finally said " give me the contact number and I will call ''. I had the approval the following day! CHASE then told me that they could not get the final payout numbers from the SBA. Again I called and has the numbers in an hour! 
Finally on XX/XX/XXXX I was told that the loan WOULD NOT BE APPROVED because the debt to loan ratio was to high. WE went from a closing in XXXX to not being approved in XXXX due to the fact that CHASE dropped the ball! I asked them if they could take off one of the loans that I had and replace it with the SBA so that the numbers would work and they said that nothing could be done, which I do n't believe. After 4 months they are refusing to work with me on this refinance. I even said to them that I would even consider a higher interest rate just to get it approved.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Student loan

I have been trying to repay my student loan with Navient. However, they accused me off missing a payment, and had me start the whole process over. And when I was not working from XXXX - XXXX, they harassed me constantly, and would not offer or approve a hardship deferment. Navient does not care about students and uses loan shark tatics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX  XXXX XXXX. Unauthorized inquiry. No car purchased.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX refuses to verify my identity with accurate information 2. The refuse to issues me a free copy of my credit report 3. They refuse to fix my XXXX credit portal 4 they refuse to tell me what my credit score is I am experiencing continued hardship because of XXXX infringement on my right dictated by the XXXX. I am homeless and unable to get a job because of employers running a credit score XXXX has caused me so much pain and suffering.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under Virginia FCRA and Identity Theft Laws Dear DISCOVER BANK, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the Virginia Fair Credit Reporting Act ( XXXX ) and identity theft laws. Specifically, this violation is in direct contravention of Sections XXXX and XXXX of the XXXX of Virginia. 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section XXXX, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, Virginia identity theft laws, particularly XXXX XXXX, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for Virginia state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX of the XXXX and XXXX XXXX of Virginia identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and Virginia identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under Virginia state laws. 

Done in good faith, XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXX my mortgage auto payment paid my monthly amount however the mortgage had increased by XXXX XXXX. As the rocket mortgage company had spam called so pervasively I had silenced their calls and blocked them. This led to me not being aware of a missing XXXX XXXX  My entire payment was not late, only XXXX XXXX was 30 days late and was paid immediately.
Product: Credit card or prepaid card

On XX/XX/2021 my US Direct Express card had {$20.00} with of purchases on my card from XXXX XXXX ( {$5.00} purchases back to back ). I did not make these purchases. Whoever put these charges on my account on XX/XX/2021 then resumed charging {$5.00} back to back to XXXX XXXX on XX/XX/2021. These charges occurred back to back a total of XXXX times and totaled XXXX and happened between the times of XXXX - XXXX. 

When I reached out to US Direct Express, I was told that I had to feel out a Questionnaire of Fraud form and submit it to their Fraud Services Department. On XX/XX/2021 I submitted copies of my card 's transaction history showing the problematic charges, as well as a police report and a report to XXXX XXXX. Because I was told to fax this information, I went to a local XXXX XXXX store and paid {$34.00} to fax 18 pages of information. 

Upon calling US Direct Express two days after I faxed the materials, I was told that they had not received my faxed information despite me having evidence that they did. I was then told to email the information I previously faxed to XXXX. Despite being on hold for over two hours prior to getting this updated requirement to email the requested materials, I complied with their request. 

On XX/XX/2021, I found that I had {$500.00} on my US Direct Card. I received no notification that this was added to my card. However, the bigger issue was that the total amount owed was not fully paid. 

Because US Direct Express previously put {$110.00} on my card in response to my hardship complaint, I anticipated that the {$110.00} would be subtracted from the {$910.00} owed to me. This, compounded by being over charged to replace my card ( they charged me {$13.00} twice to replace this card ), I expected to receive {$810.00}. Since I only received {$500.00} on my card, I am still owed {$310.00}. 

I submitted all the evidence required proving what was stolen and tolerated being on hold for over four hours after finding out that there was {$500.00} on my US Direct Express card. For this reason, I am formally filing a complaint requesting the money owed to me, as well as for the poor way this situation was handled.