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

XXXX XXXX XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Product: Debt collection

My elderly mother received a letter in the mail from XXXX XXXX XXXX XXXX about a debt that she didn't even know was for. They never told her what exactly it was for when they called several times. She went to the ER a few nights later and spent 3 nights in ICU ( its on record ) and she got home and they still kept calling her. She told them she was in the hospital and they didn't seem to care. They wanted their payment immediately and insisted she give them her routing and checking number. I feel like we should have rights to stop them from bothering while in such poor health.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with transunion but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. 

please help me as these aren't my accounts XXXXXXXX XXXX XXXX {$7800.00} XXXX  {$0.00} XX/XX/year>
Product: Debt collection

I received an alert on my credit file that there was some kind of collection with a company I have never heard of. The name of the collection company is Central Portfolio Contro. It's indicating that there is money due for some company named XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is. I disputed with the bureaus and they haven't responded. I never received anything in the mail from the collection company or whomever they are trying to collect for.
Product: Vehicle loan or lease

Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was XXXX XXXXl, GM Financial and XXXX XXXX. I was told XXXX XXXXXXXX is an XXXX and federal Law  does not apply to XXXX. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refusing to correct and report from XXXX XXXX  XXXX that is reporting that I was late paying my payment on a credit card 5 times. This is not correct. I have disputed this and they never reviewed this correctly. I want this removed due to it being paid, closed, and old acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called Capital One and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Product: Mortgage

I've gotten mail every week from JFQ lending which is in the form of an FHA official documentation. The document is titled, " Report of Available Funds '' and in this document, it has my name, file ID, address, and available funds. I have received mail from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thus far. The mail states that I have {$3700.00} in available funds and there is a website that looks like it's an official FHA website. The website listed is XXXX This seems like a scam to trick consumers by making the document look like an official FHA letter. The NMLS ID is XXXX.
Product: Student loan

For the last two weeks I have been trying to bring my account current with Sallie Mae. Every single time I call in, the agents give me the wrong information on the amount. On my account it said I had to make a payment of {$1000.00} to bring my account current. I called during the week of XX/XX/XXXX - XX/XX/XXXX, the first time the women told me it was {$1100.00} to bring my account current she assured me it was that amount. I called again and the man I spoke to told me the amount was not {$1100.00} it was {$1100.00} that I had to make to bring the account current. I told him where he was getting that number from because when I login it says {$1000.00}. He said no I had to pay {$1100.00}. I called again that same day in the afternoon after I had scrapped some money to make that payment. I am currently XXXX XXXX XXXX XXXX XXXX I care for so yes that money was difficult for me to come by. When I called in on XX/XX/XXXX a woman answered she assured me the previous amount of {$1100.00} was incorrect and that the correct amount was {$1000.00}. I asked her that was the amount that I was seeing on my screen and if that was correct? Again she reassured me like 5 times that was the correct amount. I asked her if that amount will bring my account current she said yes. I told her I would pay it. So I paid it and she said it would take two days to process. I hung up and I called back on XX/XX/XXXX to make sure the payment was processed. I was already feeling untrustworthy of the company but what happened next is not okay, period. The man told me my account was past due and that I needed to bring it current. I was appalled!! I told him the woman I spoke to on XX/XX/XXXX told me the amount of {$1000.00} would bring my account current. He said it did not because she did not process the payment correctly. So they took the money they did not hesitate but they did not process the payment " correctly ''. They said I have to wait 5 business days to get it " fixed '' on my account. How am I responsible for their fault? Why should I have to wait that long. I spoke to a manager and she was no help at all, she gave me an even longer time frame saying to call in a week from now to " see '' if it had been fixed. This company is the most unprofessional company I have dealt with. The fact that they are still in business is ridiculous. I have to pay for a mistake they made and the manager said " well you haven't accumulated any late fees yet '' on the mistake they made, like I should be thankful for that.
Product: Credit reporting

My Equifax credit report claims that XXXX XXXX XXXX conducted a hard credit inquiry on my account on XXXX/XXXX/14. I checked with XXXX XXXX XXXX. They have notified me in writing and by phone XXXX, that I have not initiated any action that would result in a hard credit check, that they have not conducted the alleged credit check on my account, and that all that their records show is that my mortgage payment was reported to Equifax as being current. Therefore Equifax has erroneously placed this alleged XXXX XXXX XXXX hard credit check on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX To : XXXX XXXX  Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, 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. 


Has violated my rights. Or list of inquiries : XXXX XXXX 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 card or prepaid card

I applied for an American Express card and they sent me a letter in the mail stating that i was denied at this time because of fraudulent information they received from my consumer report, this is unauthorized use as defined under TILA 15 usc 1602 ( p ) i received no benefit from this consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, leaving me feeling upset and anxious. Please prioritize fixing this issue immediately.
Product: Debt collection

21st Mortgage is reporting an account erroneously in my name causing me to not be able to purchase a new home for my family. Although the account is coded as an " Installment '' account, they are reporting to XXXX, XXXX, and XXXX that this account is a " Foreclosure ''. To my knowledge a foreclosure can only take place on a " Mortgage '' type of account. This misleading and inaccurate reporting is causing me financial distress and monetary damages. We have made several attempts to contact 21st Mortgage as well as XXXX ( property management company ) and nobody has been willing to correspond with us regarding correcting this error. It has also come to our attention that the property is being occupied by another party without notifying us. I am asking for the complete removal of the 21st Mortgage account from XXXX, XXXX, and XXXX or at the very least the removal of any derogatory reporting with respect to the misleading foreclosure verbiage.
Product: Debt collection

I, XXXX XXXX XXXX, am submitting this on my behalf without any third parties. On XX/XX/2022, I received a debt collection letter, without my consent, from Helvey & Associates , Inc. claiming I owe a XXXX XXXX XXXX. I do not know them, I do not owe any alleged debt, nor wish to do business with either corporation. Im not aware of how this corporation got my private personal information but it is a violation of my right to privacy. I demand all communication cease or else Helvey & Associates , Inc. will be in violation of the F.D.C.P.A.
Product: Checking or savings account

I opened XXXX new accounts. A checking and savings account. I attempted to make a purchase but canceled transaction, merchant cancelled transaction. Following day I saw the transaction still posted, I reached out to merchant and they said they cant see the transaction gone through and I would have to contact financial institution. I filed a claim, later there was fraudulent activity I noticed I immediately reported this to the bank customer service department. They closed all accounts and opened me new accounts. Said when the funds were credited to compromised account they would transfer them to the account they opened. Once funds were deposited they would not transfer funds they closed the newly created accounts by them while I was at the branch. I spoke to them several as did the branch, they then told me yeah that money tht was credited belongs to citi so we blocked the accounts so you cant gain access to the funds. I have spoken to them numerous times and have been discriminated against my rights have been violated and my funds have been held XXXX. I will be looking into legal representation as some of the employees have stated that I need to sue because they are breaking the law I also have recordings of them yelling and laughing at me when Im on the phone with them. I have recordings of reps also stating that the account can be unblocked so that the funds are accessible. Still the bank has failed to provide the appropriate actions in regards to this serious issue
Product: Checking or savings account

On XXXX/XXXX/2022 {$6400.00} was fraudulently withdrawn from a Wells Fargo branch in XXXX, Alabama by someone illegally using my personal identification and information. The bank found no fraud and refused to pull the surveillance footage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an accident EXACTLY three weeks after I bought my bike, an incident which my bike was completely written off. The insurance company was supposed to pay in full but failed, so I ended up paying the remaining balance 3 months to payoff. I have maintained a perfect record by making the regular monthly payment since. But to my surprise this company still kept reporting late payments on my accounts which is 100 % erroneous. 
This letter is a written proof of my intent to resolve this matter and have these inaccurate data expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account late payment history are erroneous : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/2018, Balance {$1400.00} The reason for my filing of this complaint is to first and foremost express my willingness to prosecute by filing a court case against this company for : 1. Failing to report accurate information to the bureaus.

2. Failing to provide a written Notice before including a late payment into my credit report, a clear
violation of California credit act as well.
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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 

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 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

In XXXX my family experienced severe financial hardship due to job loss and unfortunately XXXX of my Synchrony credit card accounts were charged off ( XXXX XXXX, XXXX XXXX, XXXX 's, XXXX XXXX ). Once my family regained stability, I reached out to Synchrony Bank to try and pay my debts but they would not accept payments from me and instructed me to contact the collection agencies they had sold the debt to ( XXXX XXXX and XXXX XXXX ). After several failed attempts at settling with XXXX directly, I contacted the collectors and was able to settle the previously mentioned accounts. Since settling, I have sent letters and proof of payment to XXXX via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent on XX/XX/XXXX. My letters requested that they either delete the derogatory accounts from my credit reports or update the status to " paid. '' However, each time they reply with the same generic response stating that they are reporting the accounts correctly and my credit reports still show " Unpaid/charged off debt. '' This negative, inaccurate reporting is preventing me from moving forward with my life and obtaining credit because creditors see their reporting and assume that I have not paid these accounts when I in fact have.
Product: Credit card or prepaid card

I have used credit cards for years. I have had no problems paying my bills. However, whenever I have had dealings with Synchrony Bank, they fail to notify me of my payments. They charge me late fees. Not only have they done this to me once but several times. I contacted the company in  XXXX   2017  about this and they told me about a glitch in their computer. They did it again several other times and I had to call them. We checked all my information and it was all correct and they still failed to send me notifications. I had to look on my accounts trying to figure out what my payments were and noticed they were charging me late fees and the bill was due  XXXX   XXXX   2017 . I paid my bill on  XXXX   XXXX   2017 . I called them again about the bad practice and not notifying me. I immediately paid the bills, and cancelled my cards. To add insult, I get a noticed on  XXXX   XXXX     2017  telling me they are reporting me to the credit bureau and charged me {$25.00} and that was going to accumulate interest until I paid the remainder. For 30 years of having above stellar credit rating, and paying my bills on time. Synchrony Bank has been the worst company I have ever dealt with and I have never complained about any other company before. This truly ridiculous how they treat consumers
Product: Checking or savings account

I have a ck acct w/ the Bank of America . I continue to be assessed a " check image fee. '' I have never asked for or authorized that ck images be included with my monthly statement. The fee appears about every six months. I waste my time in call BofA customer service to reverse and halt the fee. I advise I do not want the fee in the future. But, about every six months it shows up again. I believe this is a fraudulent scheme by BofA to increase revenue from fees. Surely, BofA has the capability to permanently turn off this fee in my acct. Their failure to do so indicates this is an intentional act.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXXXX/XX/2022.