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

Mortgage which Im a cosignor on was reported late XX/XX/XXXX and went into forbearance XX/XX/XXXX til XX/XX/XXXX. It is now current and in good standing. We were never informed that the XXXX late payment would be repeated over and over during the forbearance period, instead of being reported as 1 30 day late on our credit reports, it is being reported as 14 consecutive 30 day late payments. We asked for the recorded phone conversation with their agent to prove that we were misled/lied to, but they have failed to produce it. This has devastated our credit. Although we are now current, on Auto pay, and being hit by a once in a 100yr pandemic they will not work with us to change this. We feel it should show 1 late and NR during the forbearance period. Thank You
Product: Credit reporting

I got a copy of my annual credit report. Upon reviewing it, I noticed XXXX tax liens that show paid and satisfied. I contacted TransUnion via certified letter, asking them to remove these items since they report as as, also I did n't recognize these tax liens and were unaware of them, or having them on my credit report. For all I know, they are not even mine. This was XXXX 2016 when I sent the certified letter to the Credit Bureau. Upon their " Investigation '', they removed XXXX paid tax lien, but refuse to remove the other XXXX, stating that the information is verified. How are they able to " verify '' this information? I wrote the XXXX XXXX XXXX XXXX and receive a letter from them that they do not report information to the credit bureaus. So, how were TransUnion able to accurately verify this information. I even sent them a copy of the letter that the Circuit Court sent me, stating that they do not report to the credit bureaus and their suggestion was to contact the credit bureaus to have the information deleted. It 's like " pulling teeth '' with Transunion. Why was it ok to delete XXXX paid tax lien, but leave the other XXXX paid tax liens on my report. I am convinced that they have no clue, that they do n't actually verify anything legally and are just being a " pain in the XXXX to consumers. I want this information deleted permanently from my credit reports. These credit agencies are full of disgruntled, unhappy, overworked employees who I do n't believe give a XXXX about the damage they do to consumers and their credit.
Product: Student loan

Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Debt collection

Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
Product: Credit reporting or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be listed within my credit profile. I had already requested for the items to be removed. And in accordance to the FCRA, convergant account number XXXX, XXXX, XXXX, and XXXX has violated my right.

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A section 2 states consumer reporting agencies can not furnish accounts without consent.

Im am requesting for the following accounts to be removed
Product: Mortgage

Refuses to provide access as client to mortgage and escrow information regarding my mortgage which was recently transferred from XXXX XXXX to XXXX. I asked for Escrow and Legal Department to contact me with correct tax and escrow figures and every customer service representative refused to arrange.a call. My letter informing me of transfer of my mortgage loan specifically states that my mortgage will not change and XXXX is changing payment amount and date of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXXXXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received email alert unauthorized credit inquiry from bank XXXX XXXX was made to my consumer file on Transunion. That following Monday I contacted Transunion fraud dept requested remove any fraud inquiry and block access to my file from public. Transunion rep tells me they have no control wouldn't be able to assist me to contact bank XXXX XXXX directly. I spent over 3 hours on phone with bank XXXX XXXX after many transfers to different depts bank XXXX XXXX was unable to provide how they got access to my consumer file on Transunion. I called Transunion back asked to speak to manager after explaining my personal info is exposed in data breach and other credit bureaus blocked access removed all fraud inquiries I requested Transunion to do same. Transunion manager tells me they're unable to fulfill my request and disconnects call
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX I am writing in response to an alleged debt associated with account number [ Account Name and Number ]. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 


I dispute the validity of this debt and am immediately requesting that you provide the following information : The ORIGINAL contract binding me to this so-called debt. 
The PAYMENT HISTORY with the original creditor and balance. 
Copy of PROOF OF DEBT ASSIGNMENT. 
Proof that I legally owe this debt to YOUR agency. 
Proof that you are licensed and able to collect on this debt in my state. 

THIS IS NOT ANY DEBT THAT I ORIGINATED MYSELF. I HAVE NO IDEA WHERE THIS DEBT ORIGINATED FROM. 

This inaccurate information needs to be re-investigated immediately by both the Credit reporting agencies and the furnishers of this information that is appearing on my consumer report. 

Pursuant to 15 USC 1681e ( b ), A credit reporting agency must maintain accurate records at all times within the files of consumers.

Pursuant to 15 USC 1681i, please perform an internal re-investigation on the validity of this account in question that is showing up on your consumer report under my name, and notify me of your results within 30 days of your receipt of this letter and update my credit report accordingly to your findings. 

If you are unable to provide proof of my requests, then the erroneous information MUST be DELETED within 30 days of your receipt of this letter from my credit report as this erroneous account is very misleading and not mine. This account is causing me great mental anguish and I am unable to obtain a mortgage at this present time due to this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Consumer Loan

Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).
Product: Credit card

According to Chase ( most recently ) and many other credit companies, my lack of revolving accounts, amount of credit card debt and poor credit score are the reasons for denial of credit. My issue with these are : denying someone credit in the basis of not having credit is absurd ; I have zero credit card debt, and its impossible in this society to improve your credit score without having credit! I literally can not win. Unfortunately, you basically HAVE to have credit cards. I cant get a single one, and the more I try the worse my credit gets!. There are mistakes in identifying me, Ive contacted all three reporting bureaus and what Ive been told is that everything is correct. It isnt. Something has to be fixed somewhere and it isnt on my end. I have no evidence to attach. The bureaus need to correctly identify me, and these credit card companies need to look further into their backwards denial reasoning. Please help!!
Product: Credit card or prepaid card

In XX/XX/XXXX, I sent Barclay 's Bank Delaware a copy of my Military XXXX Orders. I noticed there was no chages made to reflect the reduced interest rate IAW Servicemember Civil Relief Act ( SCRA ) legislative law. Around XX/XX/XXXX, I call their customer service numerous times only to recieve bad contact numbers or simply getting the run around. 

On XXXX XX/XX/XXXX, I sumitted a complaint through the Delaware XXXX  # XXXX. Shortly aterwards, I received a call from XXXX stating she'd be handling the matter. 

On XXXX XX/XX/XXXX, it has been 6 weeks since I filed the complaint and I have heard anything
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card with PENFED. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Product: Debt collection

Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, AMERASSIST 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 a account without my written instructions
Product: Debt collection

Comenity Bank took over my XXXX account and I paid account in full according to agreement with XXXX. However, Comenity decided that they could add fees and interest to the account without my knowledge. I called them and at first they abided by the agreement with XXXX. After the last payment of agreed upon {$32.00}, Comenity decided not to abide by agreement. I have statement showing this. Their statement never showed the correct due amount and I tried to respond to this by calling XXXXhem.I then paid an additional amount of {$55.00} to bring account up to date. I also sent them my payment record. I will not pay them any more.
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 un 15 USC 1681. 

Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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: Vehicle loan or lease

I purchased a car in XX/XX/2022 and tried to make payments that was denied because they were partial payments. Also Social Services try to make payments on my behalf that was denied because they had a credit card. My car was repossessed in XX/XX/2022 due to the payment issues I was not able to come to an agreement with them on making a payment or making past due in order to get my car back on my XXXX XXXX it shows that my payments were all on time and I was up to date.
Product: Credit card

My last Citi credit card statement included a late fee of {$20.00}. When I called the company for an explanation, they told me it was for a late XX/XX/XXXX payment ; going on to explain that my payment is due to Citi on XX/XX/XXXX and THEIR records show that the payment was not received until XX/XX/XXXX. 

This puzzled and disturbed me because I had previously set up the payment electronically through my checking account to arrive on time. So, I did some investigating and as you can see from my attached XXXX Bank statement, the funds were electronically transferred to Citi on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX 

Even if, for the sake of argument, the payment did not arrive on XX/XX/XXXX as expected, there is ABSOLUTELY NO WAY AN " ELECTRONIC PAYMENT '' TOOK XXXX DAYS to get to Citi! The company may have refused to recognize it but they did receive it in advance of the due date. I am writing to you because I need your help. Citi has denied my request for a refund both on the phone and in a written letter. And I believe that this is unacceptable! A prime example of a big company taking advantage of the little consumer. Please help me because I NEED my {$20.00}. In this challenging economy, my husband and I are finding it very difficult to make ends meet. Therefore, I must pursue this matter as I can not afford to ignore it. 

Lastly, I would like the company invested to see how many other consumers electronic payments are being " ignored '' so that Citi can charge a {$20.00} " late '' fee. 

Thank you for your assistance, XXXX XXXX XXXX, NJ XXXX Work # : XXXX
Product: Student loan

Hello CFPB,  XXXX   XXXX   2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month  's (   XXXX   ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on  XXXX   XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in  XXXX  it lowered the principal payment for  XXXX . However, they do n't bill " future interest  '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden  ) interest fees that were due for  XXXX  and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ".     On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery.     PLEASE PLEASE HELP!!!      XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I am writing to express my extreme frustration and concern regarding the continued presence of fraudulent items on my credit report, which are needed them to removed. These fraudulent items are causing significant harm to my creditworthiness and financial well-being, and it is imperative that they be rectified as a matter of urgency. 

I have previously submitted multiple dispute letters to your bureau regarding these fraudulent items, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough investigation into these fraudulent items and take immediate action to correct my credit report by removing them. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and free from fraudulent information, and the continued presence of these items is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the fraudulent nature of these items, such as police reports, affidavits of identity theft, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the fraudulent items, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, please ensure that you notify the creditors or entities associated with these fraudulent items about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these fraudulent items on my credit report poses a severe threat to my financial stability and creditworthiness. I implore you to prioritize this matter and work diligently to resolve it promptly to restore the accuracy and integrity of my credit history. I am asking for your assistance to remove the following fraud items in my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through XXXX with the XXXX XXXX compliance guidelines. I have had this problem with all three bureaus but in particular XXXX .... Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1300.00} Date Opened : XX/XX/XXXX