23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any response from the investigation of the credit bureaus on these false collections.
Product: Checking or savings account

UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text
Product: Debt collection

A phone number associated with the General Revenue Corporation XXXX XXXX, OH calls multiple times every week day, always at least twice. When I answer the phone, no one responds and they hang up after about 10 seconds.
Product: Student loan

I took out federal loans in order to earn my XXXX  ' degree. Navient wanted me to pay {$350.00} per month, after graduation. I paid this for about a year. I then had my student loans restructured. XXXX now charges me {$99.00} per month, and after two years, Navient has begun sending bills again. XXXX did not contact me after recalculating an income based payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected ASAP.
Product: Credit card or prepaid card

I have pre existing laye payments on credit cards that I have paid off and are not open any more. How can I get the late payments off my report?
Product: Checking or savings account

On XX/XX/XXXX, I accessed my Synchrony account to find that {$49000.00} had been transferred out of my account to an account at XXXX XXXX  on XX/XX/XXXXXXXX  AND {$21000.00} had been transferred out of my account to a second account at XXXX XXXX  on XX/XX/XXXX. I immediately called Synchrony and had been told that 2 accounts at XXXX XXXX  had been added as external accounts and that the money had been transferred. I advised that I had NOT added these external accounts nor did I transfer the money. Synchrony has opened an investigation into this fraudulent transfer. On XX/XX/XXXX, I received paperwork to fill out, which was completed and overnight XXXX 'd back to them the same day. 

On XX/XX/XXXX, I received an email in my junk folder from XXXX. I did not open the email because I never heard of XXXX  but after googling them found out they were affiliated to XXXX XXXX, another bank I've never heard of until this incident. I did relay this information to Synchrony to include in my file. 

On XX/XX/XXXX, I received another email in my junk folder from XXXX. I still have not opened the email since I do not have an account, nor have I attempted to set up an account at XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 reporting, credit repair services, or other personal consumer reports

I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.
Product: Credit card or prepaid card

XX/XX/2022 I purchased XXXX items at a store called I love XXXX XXXX XXXX XXXX XXXX XXXX Florida. The price tagged on the items totaled XXXX $ however my credit card was charged {$310.00}. The store cashier refused to refund my money or give me a receipt. I called the police to the store and I was told this was a civil matter and nothing they could do but they did give me a case XXXX XXXX XXXX XXXX. Per the officer this store preys on tourist and they are called frequently to the site. I disputed the charge with Bank of America who stated since I did not have a receipt they could not reverse the charge. Despite me submitted the police report, written affidavit, and copies of reviews online from numerous customer have been defrauded in the same way. From what I read according to the Consumer Protection Act Bank of America is supposed to protect me from this type of activity and reverse the charge. The store did not submit any information to Bank of America refuting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.
Product: Debt collection

I never received any information from this company about both debts on my credit and who it is from. This seems be fraudulent account with no proof or notification
Product: Mortgage

I contacted M & T bank about two of my mortgage payments on XX/XX/20 and XX/XX/20 that they are reporting as late. Because we were affected by the COVID-19 those two months should not have been reported late. When I spoke to M & T they refused to fix their error because it was already reported. I sent a good will letter to the president of the bank asking to remove them. He never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via letter with Equifax on XX/XX/XXXX and it is now XXXX/XXXX/XXXX and there was no response and Equifax is non compliant with the investigation an did not response in 30 days and do a proper investigation. The law states that they have 30 days to responded and to do my investigation. I asked for them to provide proof that I was late on XX/XX/XXXX on the XXXX account reporting on my credit report and they did not provide an investigation on the account in question to correct the inaccurate information within the laws timeframes which make them non compliance and in violation. I was never late on this account, all that I ask is that they correct the XXXX account as never late and to update the alleged XX/XX/XXXX late to a positive standing and showing the account as never late.
Product: Payday loan, title loan, or personal loan

I have a XXXX XXXX XXXX XXXX XXXX XXXX loan which has been transferred to SST. The original terms of this loan is I would be lent {$4000.00}, {$2000.00} which goes to me immediately, and the other {$2000.00} into a savings account which I can access after paying off the loan. I've paid off the loan TWICE on XX/XX/XXXX which they then added an additional {$80.00} so it wasn't paid off, and then again on XX/XX/XXXX. I've asked how I can access the {$2000.00} in the savings account and no one can give me a straight answer. I've called everyday since XX/XX/XXXX and emailed a handful of times with no luck. I want my {$2000.00} that is owed to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take XXXX action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Data Breach I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : XXXX. XXXX XXXX Account Number : XXXX Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion
of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY CHECKING MY CREDIT REPORT AND I NOTICED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FOUND NUMEROUS CREDIT INQUIRIES I HAVE NO KNOWLEDGE OF. HERE ARE THE INQUIRIES THAT I FOUND : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I HAVE ALSO ATTACHED MY IDENTITY REPORT AS WELL.
Product: Debt collection

I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX  on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove XXXX  owe this debt. Company is called XXXX XXXX XXXX in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.
Product: Debt collection

I am writing to request a correction of the following information that appears on my Equifax, XXXX, XXXX XXXX report : Dispute XXXX o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute XXXX o Account Number : UNKNOWN o Amount {$100.00} o XXXX XXXX XXXX appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute XXXX o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to LVNV/Resurgent that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : UNKNOWN - Portfolio Recovery XXXX is still reporting Portfolio Recovery which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with Midland Credit Management on XXXX and XXXX credit files. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the CRA 's, but miraculously came back as the company verified the information as correct. I don't know how that is possible when they never send out the notices required by law! This Company has done this is the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, instead of sending it via certified mail like the regulation requires. These crooks need audited!
Product: Checking or savings account

I have been trying to access my account online but all I get is a notice that capital one is preventing me from having access to my online account.