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

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX XXXX  which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX XXXX  when they sent my account to collections with MCM ( Midland Credit Management ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called Midland Credit Management at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.
Product: Vehicle loan or lease

Attached are documents relating to up to seven of the complaints I could file against Randolph Brooks Federal Credit Union. If I had to pick the one most relevant, it would be credit discrimination thats ongoing since XXXX. 
They refuse to address it, and they debited my account without my permission to pay a note that has never been delinquent at horrendous interest rates that never shouldve happened. 
I tried several times for a vehicle refi between XXXX and XXXX -- all were denied when my credit score was above XXXX. I was forced to refinance XXXX Jeep with XXXX remaining on a 3 % loan, at 12.9 % -- after denials at rates ranging from 4.4 % to 7.9 % and even 9.9 % -- which changed to 12.9 % three days later. 
I was forced to pay two car notes before the loan and another the following week after the new rate was approved. After more than {$20000.00} on the car refi since XX/XX/XXXX, they say I still have more than {$11000.00} to go. 
I havent been late with any payment yet they kept pocketing. Now, interest on the car note is exceeding 17 % and they now have began charging {$20.00} late fees on notes AFTER I paid on time. 
The last straw was subtracting {$450.00} from my account without my knowledge on XX/XX/XXXX -- while I was in the middle of talking to bank officials -- loans then collections -- after they ignored emails I've sent them over the past three years. 
They wont negotiate except to welcome me to apply for another refi. They closed online access, bounced checks, and a lot more. I made more than XXXX calls and nearly 800 minutes getting balances through automated responses. 
They have ruined my credit and continue to pocket money Ive already paid. I wanted to include scanned attachments, but all include personal information. It took three years to compile iofficial bank documents, emails and more including the voice conversations and the actors involved if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX have violated my rights .

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Checking or savings account

On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.
Product: Credit reporting or other personal consumer reports

Per this complaint XXXX the response to this complaint is not answering my complete I need to talk to LIVE PERSON AND CAN NOT GET TO A LIVE PERSON. I don't need no credit report, I need help with fraud and I there phone line want let you talk to a live person and the answer they are putting on my compliant is nothing that I need I need to talk to a live person about my problem. I not asking for what they are responding to my compliant.
Product: Credit card or prepaid card

Two charge adjustments have been added on my account. These charges were disputed back in XX/XX/XXXX with XXXX XXXX XXXX  XXXX card ( now taken over by Comenity Bank ) and credited back to my account at that time. I never made these purchases ( nor had my wife ) and dont understand how these charges were put back on my account after so much time without even an explanation. I spoke to a Comenity representative by phone on XX/XX/XXXX and gave my information regarding the charges. I also canceled both my cards at that time. I have also notified XXXX about these erroneous charges as well and was told that they will alert the other agencies.. 
Charge amounts were & XXXX and {$330.00} both dated XXXX. Started dispute with XXXX XXXX XXXX at that time. Dispute was noted on my next statement, XX/XX/XXXX. 
Never heard another word from XXXX XXXX XXXXXXXX nor Comenity until my XX/XX/XXXX statment. 
Just charging me! No mention of the dispute outcome, name of scammer, nothing! 
Very unhappy with the way XXXX  XXXX XXXX handled the change over. I just received a letter from Comenity today claiming they had sent the incorrect reward information on this change over - after they advertised at the time that the rewards were higher than XXXX  XXXX XXXX! Also, Comenity will not pay out my rewards earned on the card and XXXX  XXXX XXXX never disclosed that I would need to claim them by a certain date.
Product: Debt collection

XXXX XX/XX/2023, while reconciling my checking account, I noticed the company Affirm had been deducting {$22.00} from my checking account for several months. I telephoned to company to inquire why. The representative I spoke with stated I made a purchase with XXXX that required an 18 month payment schedule. I stated to the rep I made no such purchase and ask the rep to provide me with an invoice or something to prove I made this purchase, nor have I received any billing statements from Affirm. The representative stated he could not provide any documentation. I contacted my bank to file a dispute and to stop these charges from being deducted from my account. Affirm is now calling me relentlessly and emailing threatening collection action along with reporting the debt to credit bureaus. I have spoken with representatives on several occasions asking them to proved me with an invoice. They all say they are unable to do so. This, apparently, is identity theft Affirm is unwilling to recognize and want to hold me responsible for.
Product: Vehicle loan or lease

This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe XXXX
Product: Vehicle loan or lease

I HAVE BEEN MAKING MY PAYMENT EVERY MONTH ALSO HAVE MADE PAYMENT 0F XXXX AND XXXX IN 2018 THAT THEY CLAIM I OWE REGARDLESS OF WHAT I PAY THE LOAN AMOUNT DO NOT DECREES AND PAYMENT DUE ALWAYS INCREASE AND THEY TRYING TO REPO MY CAR LOAN WAS XX/XX/2018 PAYMENT WAS XXXX MONTH I HAVE CONTACT THEM ASK THEM TO CORRECT THE PROBLEM AND A EXPLANATION
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  Account Number : XXXX Account Name : 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

XXXX, XXXX, TRANSUNION ARE NOT COMPLYING WITH THEIR OWN COMPANY POLICIES IN A TIMELY MANNER.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i noticed an inquiry alert stating citi bank had collected my credit report from XXXX XXXX and XXXX i called them and told them it wasnt me and to remove the inquiries which they said they would, later i received a alert saying it was removed from XXXX but not the others. i received a letter about a week ago from citi bank dated XX/XX/XXXX stating they had changed the inquiry from a hard to a soft inquiry, which is not what i wanted or was told on the phone, but nothing about XXXX or XXXX. i called back and after being transfered several times i got hold of a ladywho claimed they had no knowledge of any of this, which i stood my ground and told her i had proof of it in form of the letter they sent me, she changed her tune then and said she sent emails to both XXXX XXXX XXXX i tried to dispute this with XXXX over the phone but thet said they needed a copy of this report so im submitting this, i just want this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I rent a house for XXXX in a bad condition on XX/XX/XXXX, the owner told me that he was going to fix the house, but he never did. I called the board of health, and they inspected the house, On XX/XX/XXXX, the house was uninhabitable. He had to fix the house but instead he took me to court, because he didnt do anything about it I stopped paying him the rent. It was my right to not pay the rent and not get evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 

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 an account without my written permission.
Product: Mortgage

Flood insurance claim check being held too long from Ocwen mortgage services, LLC. 
Over 2 weeks. 
Am I allowed the interest made on my claim money?
Product: Credit card

I am writing to dispute the balance and payment record on the XXXX to XXXX statements with Capital One -- account ending in XXXX. 

Capital One Financial Corporation received XXXX payments, in advance of the due date, for XX/XX/2024. 

Both payments were made according to the company 's payment instructions, including the instructions on the back of the statement. 

One payment was made through their online portal ( as usual ) and one payment was made by mail to the address as directed on their documentation on the rear of the statement. 

As I have stated, the company received both payments and returned neither to me or, to the return address on the mailing that I sent, nor to my bank account. 

In addition to disregarding the payment I sent by mail, the company disregarded the payment I applied through their portal, as I have done throughout the life of this account. 

Capital One Financial Corporttion took the payments and closed the account stating that " activity on this, or another account is not consistent with our expectations for account usage and violates the Capital One customer agreement. '' My expectation as a customer of any company worth doing business with is that the communication around perceived violations of the contract be explicit and that payments made to the company be returned if for some reason they do in fact, not align with instructions as directed in the customer agreement. 

There are no such clearly defined parameters detailing expectations for account usage as applies to this accounts situation as the payments are the only activity in recent months.
Product: Credit reporting or other personal consumer reports

My account with this company 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 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 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$46000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The amount due that is being reported is completely inaccurate. I make these monthly payments on time and this account is current. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

Received a call from XXXX if United Recovery Systems on XXXX and XXXX between XXXX. The call was for someone else within the household. When it was told to the caller that that individual was not available I was asked several questions as to what time she is to be home. Give another number to contact her on. Who is this that I am speaking with. I offered to take a message by which I did. I did not volunteer no further information. Received the call again. The person of interest is not in. I presented with more question give me a time that she is due to come in. Guess what time you should be expecting them. You dont have a time frame ruffly. Did you give them the message I left on yesterday? Whatever the case may be as why this company is looking for this individual when the person is not available no one should be subject to that type of questioning unless its the police. I see that as harassment and would like for the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX  Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : TransUnion show a past due date of {$1100.00}, XXXX Show Past due of {$1100.00} and XXXX show Past due balance of {$1100.00}. Under XXXX XXXX Guideline account must be deleted by Law. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, someone fraudulently accessed my crypto account with coinbase. This account is linked with my email XXXX. 

All of my crypto currencies ( worth {$10000.00} ) were sold and the following day funds were transferred to an unknown bank account registered in my name ( fraudulently ). 

I noticed this incident on XX/XX/2024 and reported it to the coinbase support team. It was escalated with a case number as XXXX. So far they have not promised me the refund and mentioned that crypto assets are not protected by federal/FDIC laws XXXX 


Kindly look into the matter urgently and help me recover my crypto assets. 

Thank You! 

XXXX XXXX
Product: Credit card

Goldman Sachs, which administers the Apple Card for XXXX, was contacted through the XXXX XXXX feature. I provided communications from the merchant, also known as the app developer, regarding a second telephone number that has been non-functional for three months. However, Goldman Sachs, through their messages, refused to acknowledge the dispute or to contact XXXX on our behalf, which is a direct violation of the Federal Fair Credit Billing Act and the New York State False and Deceptive Trade Practices Act. I am supplying screenshots of all communications, as well as screenshots referencing the two charges. Although these charges are only {$12.00} each, they may be part of a larger, ongoing scheme to defraud Apple Card users concerning apps in the XXXX XXXX. It seems the XXXX XXXX is riddled with bad actors, indicating an ongoing and systematic scheme to defraud XXXX users. 

Please note that the XXXX ID is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

yes hello i need help i was just curious about my credit and got on here and founded out my credit someone reported a fraud on my info iv checked and theres is no miss infomation on my file but y is there a fraud i never made this fraud alert i think someone has full access on my info the number XXXX doesnt even belong to me my number is XXXX
Product: Mortgage

This loan is under my parent 's name. In XX/XX/2022 we sent a notarized family transfer form as requested by PHH Mortgage to have my parents removed from the loan and list me as the only primary borrower. All documents requested were sent with the form and they stated they needed the lien to be changed to name only for me XXXX XXXX to assume the loan. The same mortgage company PHH now placed forced placed insurance because the insurance policy is under my name only and not my parents which they required to be removed from the deed in order to process the assumption. PHH has continuously delayed the assumption process and now i have my own insurance policy and they also have an insurance policy which is illegal to have 2 policies for the same collateral.