23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX violated my consumer rights. A representative from XXXX XXXX whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that GM financial is  currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay XXXX XXXX. I did not know that a representative from XXXX XXXX could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called GM financial to verify their " tax season promotion '' and GM financial 's representative ( # XXXX ) stated this is not true.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.
Product: Debt collection

Credit Acceptance XX/XX/18. The account was closed and paid off by my insurance company and gap insurance but still says i owe a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Product: Credit card or prepaid card

I have two credit cards with Capital One, a VISA and a MC.

One card has a balance and the other has a {$0.00} balance.

I paid about {$790.00} on the card with a balance, then thinking I had not paid the monthly payment I went to my bank web bill pay site and paid {$1900.00} on my Capital One account, but it was the wrong card.

When I realized I had a credit of {$1900.00} on the card with a {$0.00} balance, I asked for and was told I would receive a check in 7-10 business days.

When the check did not arrive I contacted them again and was told I had to wait an entire billing cycle before they would issues a check which should arrive 7-10 business days after that. 

XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints regarding incorrect account information being reported on credit file by Synchrony/Lowes on XXXX and XXXX in an attempt resolve this negative item being reported to the Credit Bureaus. This will be my 3rd attempt to resolve this concern. The responses that I have recieved from both XXXX XXXX and XXXX XXXX ( Senior Specialist Corporate Consumer Relations representatives ) has been insufficient and unverifiable. Both responses include account statements and a letter from XXXX XXXX XXXX as proof that this account is correctly being reported on my credit file. Statements are not validation of debt, and a letter provided from XXXX XXXX XXXX with no signature from me claiming a payment resolution on my behalf is also not validation. You have failed twice now to resolve this issue after I have provided ample documentation that proves this account should be removed from my credit file. First you have failed to report to the Credit Bureaus that the account was disputed to which I provided a copy of my credit report, secondly you incorrectly reported the balance of this account. I am now providing a copy of my credit report that shows a difference in date of last activity being reported to both XXXX ( XXXX ) and XXXX ( XXXX ) on your behalf. I clearly have shown your failure to 100 % accurately report account information to my credit file per the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.
Product: Checking or savings account

I got an sba loan from government. Sba check my personal tax and approved XXXX. The amount transfer into my account, when i try to spend the money on the business Chase bank doesnt want to release the money. They ask for my tax return, my business card, i also have my cpa wrote a letter to verify my business. I prove all of it, then Chase say still doesnt work, denial all my proof. They believe my business is fraud.Then Chase say i got 10 days to fix it, if not they close up my account. In the mean time, they freeze all my account. 10 days later they send a check for the rest in account, and took the loan, but as right now, i still owe the loan to sba, but i dont have the money with me. Im not sure what they do with it. Chase close down my account, even with online banking, i cant check anything to see where the money go. I got total of 3 different business with my husband, the other two are approved, we got the money but this last 1 is for sole proprietorship, Chase had me run around for all the paper then turn around decline all proof.
Product: Debt collection

RUI company sent me a bill for {$9300.00} and said that it was owed for XXXX. I am a XXXX VET and my wife has a XXXX as well. I have never had an XXXX account because my wife would and has paid all utilities. She collects XXXX and no XXXX account would have ever been put into my name. This account is identity theft, false collects, fraud, or at a minimum a mistake. These false collections attempt better not hit my credit.
Product: Credit card

I have a business credit card through my bank that is issued by Elan Financial Services. 
This is a new account. I used Elan 's website to set up notifications and alerts. These did not work as their system was experiencing errors. I contacted their support team multiple times to reverse the late payment fee of {$39.00} and explained it was related to a system failing to work as they represented. They refused to reverse the charge. 
The {$39.00} fee was for a XX/XX/2023 statement had a minimum payment of {$110.00} due by XX/XX/2023. I paid as soon as I realized the error. I then paid the next month 30 days early. Their notification system was still showing errors at that time ( attached ). Other consumers have complained because they go to make payments on the due date only to find out you can not pay after XXXX, which is an odd rule. 
In short, I relied upon their software to send me alerts and payment due notices and it did not work and they refused to refund the fee. 
I will note that they have been migrating their software to a new system and are aware of technical issues.
Product: Credit reporting or other personal consumer reports

I terminated my membership in the XXXX XXXX XXXX. They then put false information on my credit file for nonpayment and negative information. It is a XXXX XXXX with the right to terminate my membership at any time. It was a pressure sale and it was just not worth the amount of money to be in that club. They refuse to remove the information out of spite. This is not a debt and they have evil business practices toward consumers. Terrible XXXX XXXX and very expensive worst decision of my life.
Product: Credit card or prepaid card

I applied for a Bank of America XXXX XXXX credit card online through there mobile application. When I submitted the application they were offering a promotion of {$200.00} if the consumer was to charge {$1000.00} within 90 days. I was excited to have the opportunity to build my credit and receive a {$200.00} cash back rewards bonus, so I spent as much and paid well over {$1000.00} in the first 90 days. I called before I spent {$1000.00}, around $ XXXX and spoke with a lady who informed me that after the amount was reached it would automatically credit my account {$200.00}. So I waited 30 days after reaching and paying off the {$1000.00} in the set time frame. I called Bank of America again, the lady said she would put in a request for me and if I didn't see it call back in a week. I called 2 weeks later and they notified me that it should be credited to either my banking account or my credit card, i told them to apply it towards my past due balance. So for close to 3 months i had a balance of {$300.00}, which i expected {$200.00} from the bank and the other {$100.00} was an XXXX return. For multiple months my credit reflected i had a past due balance of that amount so it affected my credit negatively. I was under the impression and had been re assured multiple times by representatives that I would receive the {$200.00} since I had met all requirements and im eligible. The credit card that they had issued me is exactly the same as the one on the promotion. Recently they sent a letter saying that they will not be issuing me then {$200.00} cash reward because the credit card I APPLIED for didnt offer a cash reward bonus. So I called them, they informed me that the promotion was for the Bank of America XXXX XXXX XXXX and that I have the XXXX XXXX  but no XXXX  After being told over 3 or 4 tImes not to worry and that I would receive the promotion. I feel that Bank of America misrepresented a promotion, that was falsely advertised and we're deceitful. I was encouraged to spend {$1000.00} in 3 months but after I reached that amount they had no intention of crediting me the {$200.00} even though I was promised and re assure multiple times.
Product: Credit reporting or other personal consumer reports

XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While XXXX and XXXX I believe are still investigating, Experian did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After Experian failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their XXXX of XXXX XXXX to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : " Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.
Product: Credit reporting

I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX Bank. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditors and those who inquire about my payment history.
Product: Debt collection

I dispute them on my XXXX so many time XXXX never took action to delete them on my credit credit report because I request a debt validation. And the original pushed argument with the original signature They never send me that. I want them to delete on my credit report LVNV FUNDING LLC OPENED XXXX XXXX LVNV FUNDING LLC OPENED XXXX XXXX XXXX XXXXXXXX XXXX OPENED XXXX XXXX XXXX XXXXXXXX XXXX  OPENED XX/XX/year> XXXX XXXX XXXX OPENED XXXX XXXX Thank you Derogatory marks
Product: Credit card or prepaid card

Comenity back has supposedly been going through a " planned system update '' since around XX/XX/XXXX. I have been trying to call Comenity as well as XXXX XXXX and they aren't taking calls. The line hangs up on you. I have tried online and you can't do it online. I have been charged fees because I can't make a payment but we can't make payments because the entire system is down. So far I have been trying to talk to them on XXXX daily, call daily, and check the website daily. It's a nation wide outage. No notice was sent out of any kind of update occurring and this doesn't sound like an update. It's been almost a month since this all started and millions of customers are angry. The bank keeps posting on social media that customers can access their accounts, but we can't! You can't even cancel the card because there isn't a customer service connection of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$840.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony is now charging a XXXX fee to receive paper statements as of my XX/XX/year> statement. My previous statement did not contain any notice this change would occur and this junk fee is unacceptable. 

Company claims it sent out notice if change of terms separately and is resending as I did not receive the first notice. Neither my XXXX or XXXX statement contained any information regarding this change. 

Company claims unless I opt out of paper statements I will be billed this junk fee and it is too late to opt out for the next statement as well. 

I find the fee inappropriate and would never have opened the account if this was something the company was planning. It is an attempt to collect additional fees from consumers in an inappropriate manner. 

The company 's website is unreliable and one third of the time I try to access it I am either unable to log in or information is unavailable. This is an attempt to further increase consumer fees by making it more difficult to pay my bill or see the charges on the account. This should not be something the consumer is forced into.
Product: Debt collection

Citibank lied to me about the reason for contacting me. They told me that they were not attempting to collect a debt and then tried to get personal information from me. Afterwards they told me they were in fact attempting to collect a past due amount on my credit card. After being transfered to an escalation department they informed me that this was common practice in attempting to collect debts and that lying about who they are to customers is their job so that they can be effective in collecting past due accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent  accounts be deleted and blocked from my credit file.
Product: Credit card or prepaid card

I am disputing XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XXXX at the same ATM while I was XXXX card company has proof that I was XXXX  and still has not refund my money I have made a police report with the local police and they're investigating
Product: Mortgage

Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. 

We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 

1- Please provide the data used by Goldman Sachs for the decision. 
2- Please send us the list of documents you received from us for the appeal. 

Absence of these, We 'll get a lawyer to freeze the foreclosure in court.
Product: Student loan

I filed for chapter XXXX bankruptcy XX/XX/2011. I did go to school after filing. Notice of filing was provided to the Federal Loan employees when they called every week. They have continued to report late history on my credit report. A call was placed to them two weeks ago to address the issue with reporting negative payments. The rep stated they would correct as payments should have not been reported. When the reports were checked, it was noted that the accounts were reported as current under negative account information on XXXX, and showing 11 missed payments for the past two years on XXXX and XXXX reports. They should not be reporting negatively to any credit bureaus due to the active bankruptcy. The information should also be reported under the correct sections of the credit file. I am asking that the company report the information accurately on all the credit files as it has really added to the negative standard of my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a complaint to Equifax commercial disputes on XX/XX/XXXX about them reporting the incorrect business name. Ive emailed daily no response Ive called daily to get out of country people who can not help or answer any questions Ive emailed Equifax commercial disputes they never reply or keep you updated on the process Ive been stressed for weeks over this is in professional I shouldnt have to beg for Equifax to do a job they are being paid for Ive also made orders with vendors that report to Equifax and they have not updated any of this to the report I have four vendors since XX/XX/2022 and not once did any appear on the report Ive confirmed all vendors are reporting the correct information but Equifax hasnt reported My correct business name is XXXX XXXX XXXX XXXX XXXX, XXXX the XXXX fictitious name is XXXX XXXX XXXX XXXX and reflected on the report which is cause info the issue Update my report name to XXXX XXXX XXXX XXXX XXXX, XXXX as reflected on all my vendors XXXX and XXXX XXXX XXXX Equifax do the job your getting paid for