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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Product: Credit card

I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.
Product: Credit card or prepaid card

I have a XXXXXXXX XXXX credit card. I have fallen on hard times do to XXXX XXXX XXXX. XXXXXXXX XXXX actually breached my information by calling and harrassing a girl I work with who's name is literally 1 letter different than mine. Obviously our dates of birth were different. I am extremely upset over this situation and the collectors are very rude and are harrassing my mom as well as calling from 15 different phone numbers several times daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX XXXX # XXXX {$1400.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT
Product: Checking or savings account

I received a letter regarding a levy. In addition to Chase holding the levy amount they wanted an additional duplicate levy amount indicating they were not allowed to release the levy amount. After weeks of going around in circles and assistance from the government agency we were able to get Chase to release the levy amount so I could be in good standing with both the government agency and Chase checking account. I have incurred nearly {$1000.00} in charges from over 20 nsf fees of {$34.00} over a period of 6 weeks. In addition, I had paid an additional {$30.00} stop payment fees to keep a couple of creditors from accessing my account. Those transactions were initially allowed and then returned after incurring more nsf fees defeating the purpose of the stop payment fees not to mention requesting a new debit card which creditors are able to access without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification
as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : THE BUREAUS ( Original Creditor : 01 XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX ( Original Creditor : 12 XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) Account Number XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX ) Account Number : XXXX Reason : Unverified account Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called and said someone ran my personal credit. I didn't give out my information it's fraudulent and unauthorized. According to the FRCA legally these unverified and unauthorized items must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX-2022 I attempted to place a credit freeze with Experian. They were unable to honor the security freeze. They want me to mail copies of a governmental issued ID and utility bill, bank or insurance statement and the original info I submitted. My other option was to request a " credit lock '' for a fee. 

It was difficult to find the credit freeze option. It has the appearance of making it difficult for someone to obtain the protection without having to pay Experian. 

Note : XXXX and XXXX were able to process my freeze request immediately.
Product: Credit reporting

I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit card or prepaid card

I have been charged by XXXX store card with a returned payment fee ( {$27.00} ) under the pretense that the account I entered in the system had too many numbers or incorrect information and the payment didn't go through, according to the customer representative I spoke to. 

When speaking over the phone with the rep she couldn't even explain the real reason and wasn't willing to correct their system mistake, blaming it on how my bank has its routing/account numbers set, wanted to double check the information I entered to verify I made a mistake but she said the information has been deleted. 

Both checking accounts I had entered to cover balance payments had funds and had been used. After this returned payment happen, according to the rep XXXX  reissued a charge without my authorization to my next default bank account with the original payment amount ( {$45.00} ) plus the returned payment fee, which I find shady since I wasn't expecting this charge on my second checking, luckily I had funds but makes me wonder if they were fishing for a second returned payment fee.
Product: Checking or savings account

I had opened a new business account with Bank of America and their risk closure dept closed the account after XXXX months. Without any explanation they are holding my money for XXXX months. I call everyday, escalated the claim XXXX times. Spoke to many managers. I need my funds release.
Product: Credit card or prepaid card

Over a year after receiving my Care Credit card and making payments, I reviewed all of my statements collectively and noticed a pattern of " Card Security '' fees. I don't recall opting in, but I was being charged monthly, plus interest. In my communications you will see that I also complained about the same issue with my XXXX  XXXX Store Card. 

On XX/XX/2020, I contacted Synchrony by XXXX, asking why they were charging me for this service. They responded on XX/XX/2020, explaining what the service was. I wrote back noting that my question had not been answered, and that I still needed an explanation. I was never given an explanation or evidence that I signed up for this. 

On XX/XX/2020, I was sent a message saying that they noted my request for cancellation and would be issuing a credit for the charges. The turnaround time was 7-10 days. Today I reviewed my statements and noted that I was never issued the promised credit, and that they have continued to bill me for the card security fee despite my cancellation. I have attached a PDF copy of our initial communication to this complaint, as well as copies of the statements that I have received post confirmation of cancellation. 

For reference, I have an {$800.00} limit on the Care Credit card. After over a year of payments, I currently owe {$740.00}. It should not be possible that I have only paid off a little over {$50.00}. In part because they have continued to tack fraudulent charges and interest onto the balance monthly, eating up almost half of what my base monthly payment is. There will be no way for me to get out from under these debts if they keep charging me for something I never asked for. 

We are in the midst of a global pandemic and people are losing jobs and experiencing reductions in pay. Fraudulent charges and collecting interest on top of it is absolutely unscrupulous. This is fraud. Especially when I have explicitly said that I didn't recall opting in, wasn't told when I supposedly opted in, and formally cancelled months ago. Multiple violations warranting legal action have occurred here. I was initially willing to give the benefit of the doubt and wait for the credit that was promised, but not honoring that promise and continuing to charge me for a cancelled service is not okay.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card

Even though I have been making frequent on time payments, American Express has significantly lower my credit score over XXXX points. I did not know that I had a charge card and had to pay off the entire amount every month. I never knew or had that understood to me. I made consistent payments but they considerably damaged my credit score. I think this practice is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.
Product: Mortgage

Nearly every month I have to call the servicer to correct the way the payment is applied to the loan. We have spent many hours calling and providing the correct processing that is well documented. The servicer each time says this will not happen again and we have to call the next time they receive a payment. Every two weeks our financial institution debits out checking account, but our servicer fails to apply the payment correctly. Payment are made every two weeks, so half payment is supposed to go to suspense until the other half is received. The keep applying all to principal and not advancing the due date
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.
Product: Mortgage

I refinanced my loan through Interactive Mortgage. After the loan had closed which cost me a higher interest rate and an additional upfront cost of {$630.00} for an interest adjustment of 4.250 to 4.375 % because the closing department claim that the paperwork I submitted for my student loans did not actually specific how much my payment would be in XXXX. Currently I am not paying anything which I submited documents to support. I dismissed this because I wanted my payment to drop down from {$1500.00} to XXXX. However, after I had signed loan documents to obtain the payment of {$1400.00}, I received a call from XXXX XXXX of Interactive stating that I owe approximately {$400.00} more for hazardous insurance. I was baffled by this because my loan closing statement included a breakdown of my fees in which there is a charge for hazardous insurance of 13 months @ {$56.00}. The insurance quoted now is 13 months@XXXX. I received a letter from XXXX XXXX that my insurance is {$690.00} total. I am not sure why I am being ask to pay this additional amount. When I received the call from XXXX XXXX I was asked to come up with {$400.00} approximately because of the insurance being renewed. Than on Saturday after checking my loan documents I find a letter from XXXX XXXX XXXX XXXX applying additional cost to my loan that equaled {$210000.00}. My initial loan amount was for {$210000.00} now because I told XXXX I had to examine the paper work I now had to pay over {$2000.00} extra for this loan. I thought I was getting out of a prior bad loan but it looks like these loan companies are ripping homeowners off.The amount paid to XXXX XXXX XXXX was {$200000.00}. I was initially told I would only have to pay {$490.00}. Over {$6000.00} has been added into my loan.
Product: Checking or savings account

On XX/XX/XXXX, I went into Synovus Bank in XXXX, Ga and talked to XXXX XXXX. I had an automatic draft coming out of my account from XXXX XXXX XXXX on the XXXX of every month. I advised her that I need to stop payment on this company in the amount of XXXX. She did the paper work to stop the payment on that company. I paid the necessary fee to stop the payment and come to find out it was never stopped. I was recently informed by another home security company that the money was still being taken out and that what lead me to call the home office of the the bank. Upon talking to a representative in the home office of synovus bank, I was told that XXXX XXXX put in the wrong stop payment number and that is why it never stopped. This went on from XX/XX/XXXX to XX/XX/XXXX. The bank is telling me that they will not pay me all of my money back for their mistake and that I was responsible for checking my statements. They have agreed to only pay me 6 month of back pay when they owe me for 13 months. This clearly is a mistake on their end and I feel like its their responsibility to clear it up. I did everything on my end to stop the payment and I feel like I should not have to suffer from the loss of their mistake. Please help me to resolve this issue.. Thanks.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX, I have a mortgage with Carrington Mortgage, Loan No XXXX. 

The Carrington Mortgage website has been down for at least 3 months, so I am unable to access my online account.

In addition, I have tried calling twice, and each time they hang up on me as there is no customer service representative available. 

I need to contact the mortgage provider in order to obtain my tax form so I can file my taxes. I had similar problems last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have gotten into the hands of the wrong person
Product: Debt collection

XXXX XXXX from HFC calls my cell phone as well as the phones of my family members threatening me every day on debt that I DO NOT OWE from 2005.