23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called on XX/XX/XXXX because a charge on my Credit Card account seemed inaccurate. The customer service representative said disputing it was an option. ( The charge was listed as XXXX XXXX XXXX and the amount was approx {$23.00}. ) I did some more research after the call and found the charge to be legitimate, so I called Ally back to cancel the dispute less than an hour and a half later. The CSR I spoke with said she would cancel it and everything would be taken care of. 

Today I looked at my credit report and found out that ALLY had added a comment stating that I was actively disputing a charge and it caused my credit score to drop. I called ALLY CC Co. and requested to speak to a supervisor. XXXX took the call and informed me that there was nothing she could do to fix the situation. She told me that It didn't matter if I canceled the dispute less than XXXX hours later, if a dispute investigator had already started working on it, the official comment would have been added regardless. I told her that I doubted anybody had started working on it in that short of a time frame. ( She would not tell me when they actually started investigating though. ) I informed her that I was actively working on purchasing a vehicle and their actions may have cost me hundreds of dollars in an interest rate difference.

I was never told by either of the first two CSRs that they would add an official remark to my credit report which would in turn hurt my ability to get a decent interest rate on my loan. A {$23.00} charge was not worth hundreds of dollars wasted. I asked about the process of filing a formal complaint and she would not give me a way to do that, she stated that she would file the complaint for me. These types of business practices are very shady and the lack of transparency is disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX in XXXX XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XXXX XXXX to XXXX XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact Capital One Auto Finance and assist with getting what they have been report unfairly, fair. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, this was the second time I disputed the report on my file. Today I received the response. Equifax could not have read the statement I included to them either time. XXXX is reporting a medical bill for {$130.00}. As per XX/XX/2022 medical under {$500.00} should not be listed on my report. I have email verification where I have contacted XXXX as well. I again disputed this with Equifax for the third time on XX/XX/2022. I included snap shots of the information pertaining to this issue. Neither company are following proper procedures. This is a health care bill I. The amount of {$130.00} from XXXX.
Product: Credit reporting

Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Charge-Off on Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding an inaccurate and unfairly reported charge-off that appears on my credit report. I have already disputed this matter with the relevant credit bureaus but have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue. 

Details of the Complaint : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Credit Bureaus Involved : [ XXXX, TransUnion ] XXXX of the Complaint : 1. Inaccurate Reporting : The charge-off in question is inaccurately reported on my credit report. I have disputed this information with the credit bureaus under my rights as provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my dispute, the charge-off remains on my credit report without adequate validation or correction.

2. Failure to Verify : Under 15 U.S.C. 1681s-2 ( b ), the information furnisher ( creditor or debt collector ) is required to investigate and verify the accuracy of the information when it is disputed. I believe this verification has not been properly conducted, as the disputed charge-off has not been removed despite a lack of sufficient evidence.

3. Violation of Reporting Period : If this charge-off exceeds the seven-year reporting limit as outlined in 15 U.S.C. 1681c ( a ) ( 4 ), it must be removed immediately. The continued presence of this charge-off on my credit report is a violation of federal law.

Impact on Me : The inaccurate reporting of this charge-off has caused significant harm to my credit score, affecting my ability to obtain credit on fair terms. This has had a serious impact on my financial well-being, and I am seeking your intervention to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, XXXXXXXX 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 right to privacy 15 U.S.C 1681 section 602 A. Sections2 : It also states a consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime 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: Debt collection

This is not my account, and I do not give permission for this company to report information on my credit report on an account that is not mine. I did no business and neither paid for nor financed any product or service from this company. reporting errors on my XXXX credit report is a violation of my consumer rights under the US Consumer law, the FCRA, FDCPA also reporting Charge Offs more consecutive months re-aging a debt is against the Law and this account should be removed and deleted from my Credit Report immediately. My credit report should be XXXX XXXX  accurate according to the law and this account show many factual errors.
Product: Credit card

I called Chase on several occasions to instruct them to reopen my accounts and send me replacement cards, so that I can use the credit that is mine to use. I also instructed them to validate the debt that I disputed with a cease and desist notice and they sent me a transaction report, which does not serve as validation of debt. They are committing securities fraud by using my contract as collateral which I am aware has been bought and sold many times over and I am receiving XXXX benefit/valuable consideration from the credit that I extended. Not only that, but they have reported to the consumer reporting agencies that I owe this debt in dispute. 

This is causing me extreme hardship as I am not able to utilize my credit for food, clothing and many other necessities that I have. It has also affected my credit standing as I am not able to acquire other credit, because of the false reporting to my consumer reports. 

I will be uploading the cancellation of debt that was filed with the IRS, in addition to the cease and desist notice that I sent them in 2021. 

Thank you in advance for your time with this matter.
Product: Credit card or prepaid card

My husband and I have had a Capital One credit card for several years. Due to the COVID-19 State of Delaware mandates, non essential businesses were ordered closed on XX/XX/20 ... my husband is XXXX and the XXXX  he XXXX  and XXXX  was ordered to shut down indefinitely due to the crisis. We contacted our landlord, utility companies and creditors. We also have several credit cards that are used for personal and business purposes. The credit card companies, as a whole. have proactively waived late fees, and if customers needed to defer payments, took requests for payment deferrals due to COVID-19 related income interruptions ... all of our creditors were contacted by online request .... all except Capital One. Capital One only had customer service available by telephone. 
Following is our recent payment history and dates Late Charges were assessed XX/XX/XXXX pymt XX/XX/XXXX pymt XX/XX/XXXX LC  XX/XX/XXXX pymt XX/XX/XXXX LC   XX/XX/XXXX pymt We doubled up payment in XXXX only to be assessed Late Charge in XXXX & XXXX with payments only two days past due date. Capital One has provided no online service to request payment deferrals and no waiver of late fees despite widespread national and state unemployment and deferrals of foreclosures, repossessions and judgements due to COVID-19. Because Capital One makes it necessary to contact customer service by phone, I attempted on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and spent over two hours on hold. When I finally got through and spoke with a representative, the rep ( and her supervisor ) told me that I could not request a payment deferral because I called too close to the payment due date, and I could not request a late fee waiver since I was only an authorized user. Was told my husband would have to call back during the next billing cycle. That is absurd, and was purposedly designed to make it extremely inconvenient for customers to get relief. My husband is not good on the phone and would never be patient enough to hold and should be allowed to make requests online or via email, like all the major banks provide. Even though I explained how many times I already called and how much time spent on hold waiting for help, Capital One provided no further assistance. We have card accounts with XXXX  XXXX XXXX, XXXX, XXXX who all automatically waived late fees ( no request needed ) and had online service to request payment deferrals. I sent emails directly to the executives listed on Capital One website and never received any response.
Product: Credit reporting or other personal consumer reports

I gain a free copy of my credit report from www.annualcreditreport.com and I noticed that my XXXXCare Credit account is reporting my account as closed. 

I would not have known my account with Synchrony/CareCredit was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from Synchrony/CareCredit is upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has Synchrony/CareCredit informed me that they would be reporting my account as closed when I have just had their card for XXXX year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with Synchrony/CareCredit in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see CareCredit reopen my account and update this status on my credit report.
Product: Mortgage

In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.
Product: Debt collection

On XX/XX/XXXX2021, I sent a Notice of Validation to the Fox Collection CenterXX/XX/XXXXto validate the information they claim I owned in the amount of {$350.00}. I requested a copy of my signatures on a HIPPA form, giving Fox Collection Center permission to review/access any of my medical information. Fox Collection Center responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. Not only did they submit the unverified/unvalidated information to the bureaus, they submitted the same collection on my account twice to XX/XX/XXXX and XX/XX/XXXX. So, the debt appears as two separate debts.
Product: Mortgage

On XX/XX/XXXX I found out the my modification for my mortgage loan was denied due to the amount of time that Ive been on the property however my employment was dropped a week before I closed on my home which helped me in a terrible situation to try to pay I tried paying for months but with me losing my husband in income I was not able to keep up I was very disturbed by Mr. CooperIn the business practices that they have they clearly seen that I wasnt able and my income dropped low and they are not willing to help, yesterday I talk to them about a repayment plan and that was an option because my account is already in the foreclosure department I dont have a date of sale yet but I am in the foreclosure department and that was their reason for not helping me is there anything that you guys could do to help me save my home I havent been in the house even a year yet but I have recently got back on my feet but Im not able to keep up with the payments that are behind
Product: Bank account or service

Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is Navient being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is PHEAA reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit cared account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information. 

Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase. 

Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports. 

Below is the information provided by Lending Club to prompt the inquiry. 
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!
Product: Checking or savings account

I received the attached letter dated XX/XX/XXXX stated that due to a lawsuit against them for putting holds on account back in XXXX, that I was entitled to a {$150.00} credit. That credit went to an outstanding balance of account numbers I did not recognize. I immediately called Wells Fargo and inquired about the letter because I did not recognize the closed account numbers. The person I spoke to explained the letter and could not find any account in my name that those numbers belonged to and needed to do some additional research because I was the rightful owner of the {$150.00} refund. However, today, XX/XX/XXXX, I received a called from Wells Fargo stating that he did further research and the {$150.00} went to an old defunct Wachovia Bank account that he claimed had a negative balance. If the account had a negative balance why was the account transferred over to Wells Fargo Bank who took over the old accounts of Wachovia if there was a negative balance? He had such a smug and sneaky attitude and wanted to send me a XXXX statement stating there was a negative balance. If that was true, why no one ever contacted me to let me know? I advised him not to send anything to my house dated XXXX. I contacted Wells because I did not understand the refund letter nor recognize the account numbers supposedly the {$150.00} refund was sent.