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

I am a Natural, living person. I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give Equifax written permission to furnish these accounts.

15 U.S.C. 1681 section 602 A. States I have right to Privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report 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. 


Accounts 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 card

I booked an overseas trip online for me & my wife on XX/XX/XXXX with XXXX XXXX. I requested Business Class upgrade ( from economy plus ) for the return trip. We were put in a non-guaranteed waiting list for the upgrade request. I did not expect XXXX XXXX to charge my XXXX XXXX XXXX XXXX credit card the upgrade cost ( {$1200.00} ) since the upgrade was not guaranteed and the return flight is not until XX/XX/XXXX. However, they did charge my credit card for this amount on XX/XX/XXXX - more than 2 months in advance. I called XXXX XXXX to complain about the charge but was informed it 's company policy to charge customers ( in advance ) for non-guaranteed upgrade requests. And they further stated that if I did not get the upgrade, they will refund me the funds. I believe this policy of XXXX XXXX is quite unfair to customers. They take your money for over 2 months without guarantee for the upgrade - meantime, the customer will have to pay the credit card finance charge if the said amount is not paid in full. I therefore request your agency put pressure on XXXX XXXX to stop this unfair policy. Thank you for your immediate response and assistance on this matter.
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, and it appears that someone may have stolen my identity. I did not authorize these accounts. I previously reported this issue and am now requesting that these unauthorized accounts be removed from my report immediately. The presence of these accounts is causing me significant distress and does not accurately reflect my credit history or financial management. This situation has been challenging, and if it is not resolved promptly, I am prepared to take legal action to protect my rights. These incorrect items on my credit report are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that we can resolve this issue swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

My ex-girlfriend had filed for Bankruptcy earlier in 2020. Once I found out she was going to I called the bank to see what could be done with the ONE credit card we shared as a joint account. 
They told me I could open a new account and transfer the fund s over but there wasnt anything I could do with this one. At the time, opening a new account was not a possibility. 

Then when she was granted her Bankruptcy, the Bank, within a believe a week, Closed the account and placed it on MY credit report as a Charge Off. This was 5 days after I had just the payment on the account. Up till that point Every Payment had been made on time, and more than the minimum. 
But the Bank gave me Zero Notice. No collection notices, no demand for the balance, NOTHING, they simply closed the account 5 days after my XX/XX/2020 payment and charged it off. 

If this Legal? Now I am stuck with a Charge-Off for 7 years because SHE filed Bankruptcy? 
I have no recourse it seems? 
I thought a bank could not Charge Off an account until 189 days from last payment? 
I also thought a Bank was required to attempt collection on an account before Closing and Charge off? 

There has to be something I can do here. The bank failed to notify me, failed to request payment, failed to demand payment, and failed to wait the required time frame before closing the account and Charging off the account. 

What are my rights?? 

XXXX XXXX The bank involved is/was SunTrust Bank, TN.. I believe they merged with another bank now. And were in the process of doing so at the time they charged off the account
Product: Debt collection

I had a warranty membership with XXXX XXXX which i cancelled in XXXX by speaking with a customer care agent i was told in more than one conversation that i would not be billed and the membership was cancelled I even cancelled the credit card and they are still billing me
Product: Money transfer, virtual currency, or money service

Citibank appeared on my bank deposit from XXXX. and finances deposit into the account Acct # XXXX. Contact Citi Bank in person for answers and the outcome was negative also called the back office XXXX and a employee decided to pass the information to the supervisor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. XXXX  XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Identity* Last year, the summer of 2021, my adult son whos names is identical to mine, was in a motorcycle accident. He was treated at XXXX XXXX in XXXX, Tennessee. His bills became delinquent, and all his delinquent accounts were sent to a collections agency. The collection agency, Wakefield and Associates, reported all of his delinquent bills onto my credit report. I am in the process of buying a home and this is going to cause underwriting to kick out my loan. I need this fixed asap.
Product: Vehicle loan or lease

On Tuesday XX/XX/2021, Wells Fargo received my second Cease & Desist letter for the fraudulent loan they have in my name. Pursuant to 12 usc 1431 the bank got the loan and the Promissory note but furnished a deceptive form to make me think that the debt was mine, when I only came for credit.
Product: Mortgage

My XXXX Mortgage changed from an Interest Only Loan to 10 year fixed loan. My loan amount is {$35000.00} the changed from 4 % to 4.25 % ( when I ask for an explanation I ca n't get one ). My complaint is they have calculated my payment incorrectly. My payment should be {$350.00}. The first statement I received had my payment at {$400.00} with the conversion to a fixed rate loan when I questioned the payment I was told it was changed to 4.25 %. This would make my payment {$350.00} not {$400.00}. The last statement I received has my interest rate at 4.25 % with a payment of {$410.00}. I have had XXXX conversations about this with the lender who keeps saying they will get back with me.
Product: Checking or savings account

My account was locked by SOFI. After a month-long investigation, they claimed that the check I deposited violated their policies and decided to close my account. The check was successfully deposited and did not bounce, and SOFI has already contacted the check issuer to confirm that it is genuine. The funds are currently in my account, but when I requested a refund of the account balance, they refused.
Product: Debt collection

I am filing this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX XXXX XXXX XXXX, transferred my account to LVNV Funding, a collection agency, without properly notifying me. 

This failure to provide prior notice before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may also be a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting

I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX ( Bank ) XX/XX/2022 I don't recognize this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
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: Mortgage

My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX  ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX   AND WILL POSSIBLY SERVE JAIL TIME!
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made me 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. 


XXXX  XXXX - 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 card

Its been around 3 months already since I informed Bank of America about fraudulent activity on my accounts, they been difficult and not one bit helpful throughout this whole process. Now they concluded the claims and did not return all the fraudulent charges that were made, they are charging me interest on purchases I did not make and boosted up my minimum payments. On top of all this they charged me a late payment fee on a business credit card that they close a few days before the payment was due, so when I attempted to make the payment on the mobile app it did not allow me to make any payments to that account, which is ridiculous and i have video proof that when i try to make a payment through the app its does not give me the option to make payments to that account. On top of that I informed them of this and they still charged me a late payment and tried to make me pay the following month in advanced with extra interest fees and charges. They have boosted my minimum payment on this account to over {$200.00} and that's just that one account, they are doing something similar on my other 2 personal credit cards. This is ridiculous and they don't even care to assist me or inform me on what I should do. I have also requested information on why they are claiming that this charges weren't fraudulent and I never received it, this was well over a month ago. I don't understand why they are like this I have been complaining since the start and gave them all the information request and told them everything i know, even explained to them that my identity was stolen not only my credit cards and provided them with a Identity theft report from the Federal Trade Commission. At this point I'm making this complaints trying to get this out there so maybe some justice can be made, I'm already looking to just get a lawyer and take this to court. This is ridiculous I have missed so many appointment 's and even days of work because of all the calls and letters I've been having to deal with. Bank Of America is the only institution that's given me a hard time. XXXX literally made it soo nice and simple, I might take my self fully to chase and close all the business with Bank of America completely. I've been with bank of america for years now and never had and issue i dont understand why they have to be soo difficult, I have never even had a late payment in my whole credit history. Now they are ruining my credit score and this is affecting my relationship with other institution and given me a hard time whenever I apply for new credit or loans.
Product: Credit reporting or other personal consumer reports

It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have had many issues of the years with false and fraudulent reporting or misreporting from from Genesis or Hyundai Finance. 

The XXXX  XXXX lead to a legal settlement from them as proof of their illegal issues The accounts are : Car YearXXXX  Make XXXX VIN : XXXX Account : XXXX This is missing payments of which they swore on paper would be updated. My current report pulled today is still wrong. 

It is missing payments and states a false comment about a national disaster ( That never happened or reported ) The XXXX  account is : Year XXXX  Model XXXX VIN : XXXX Account : XXXX These has a statement that is false that states a national disaster ( that never happened ) it is also missing a payment. 

This fraudulent activity has cost me XXXX points on my credit and I demand it fixed immediately and a make good payment of {$2500.00} as they violated their previous agreement Tried calling the company and just hang up.
Product: Mortgage

I was preapproved for a mortgage on a home in NJ. I'm a first time home buyer with excellent credit and 20 % down for the purchase. Rocket Mortgage/Quicken Loans approved the mortgage and informed me there were no issues and we would close on time with no problems. One day before closing, Rocket/Quicken informs me of an issue with the home being in probate. I was not aware of this and 1 day before closing is not the appropriate time to tell me this. They then proceed to have the loan looked at by their research team who comes back and tells me the loan is no longer approved. This is 1 day before I close on the home. In addition this was a relocation and my goods being relocated were on schedule to arrive to the home after the weekend I closed. Due to Rocket Mortgage incompetence, I had to scramble to reschedule the relocation truck, cancel a XXXX reservation and track deliveries that were scheduled after the closing. I'm wondering how/why Rocket/Quicken can do this after approving me and after all their requests were approved by attorney review and title review. Can you assist in any way?
Product: Student loan

Could CFFB and Navient please provide a ruling or further explanation on the Auto Debit Repay Benefit for Student Loans? 
From the XXXX website : XXXX " Direct Debit ( ACH/EFT ) Discounts : Interest rate reductions of 0.25 %. Require that all payments must be paid on time ( usually defined as within 10 to 15 days of the due date ). Even if you sign up for automatic direct debit of the monthly loan payments from your bank account, you can still lose these benefits by having insufficient funds in your account. If you are late with a single monthly payment, you lose the benefit permanently. '' Could you please clarify " can lose these benefits '' as it is written? Or " will lose '' these benefits ''? 
My reading of the rule is that the Auto Debit Benefit is lost forever if a payment is late ( incurs late fees ), but I find nowhere the language that states specifically that an instance of insufficient funds from an ACH payment automatically disqualifies the Auto Debit Repayment Benefit, unless of course those insufficient funds are a reason that a payment ends up being late and thereby incurring late fees. 
I have never, ever, not once been late with a student loan payment, but one time I did have insufficient funds from an {$120.00} Auto Debit on Private Loan -XXXX on XXXX XXXX, 2014. However, I was never late with a payment. 
Once I realized the insufficient funds, I made payments towards Private Loan -XXXX both through my bank and within the Navient website, so that within the 15 days from the due date, I had made two ( 2 ) payments, XXXX XXXX, 2014 for {$120.00} and XXXX XXXX, 2014 for {$120.00}, which is actually twice the amount that was owed. I incurred no late fees, which is the definition of a late payment. 
Navient removed the 0.25 % Auto Replay Benefit from XXXX XXXX in XXXX 2014 ; however, I have never been late with a payment.