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

I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information.

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that may be implemented regarding student loan debt reporting. 

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.
Product: Checking or savings account

I am writing to formally submit a complaint regarding multiple overdraft fees charged to my account. These fees were applied even though sufficient funds were available at the time the transactions were authorized. 

However, due to delays in the posting of charges and credits, I was unjustly assessed overdraft fees. 

This issue aligns with recent findings by the CFPB, which highlighted similar practices by Navy Federal Credit Union, where transactions were processed with insufficient balances despite initially having adequate funds. I believe these practices are both deceptive and unfair.
Product: Credit card or prepaid card

Made payment on my credit card. Barclays Bank web site shows payment posted today, XX/XX/2018. Tried to use my card. Denied twice. Viewing the Barclays Card Hawaiian Airlines Mastercard website the summary of my account (  screenshot enclosed below ) shows Credit Line {$500.00}, Current Balance {$120.00}, Available Credit {$0.00}. The amounts Credit Line less Current Balance NEVER equal Available Credit. There is NO explanation on the website why the math is inaccurate. Called customer service at XXXX XXXX HST and spoke with Barclays Card Hawaiian Airlines Mastercard Representative XXXX. XXXX told me that even when funds are received by Barclays Bank they may take up to two business days for funds to be avaiable as Available Credit in the account. Multiplied across the millions of Barclay 's Bank Hawaiian Airlines Mastercard clients this 'holding ' or 'float ' represents  millions of dollars of customer 's money received by Barclays Bank XXXX and held by Barclays Bank XXXX If this practice is not ILLEGAL it should be. In our current day of electronic transfer there is no excuse to hold customers money. Highly unethical and fraudulent. Do investigate this practice which has been going on for 3 years with my account ( and very likely all Barclay Bank accounts ).
Product: Credit card

Comenity Bank is holding my money hostage. I overpaid the balance in full by {$1300.00} in XX/XX/2023. My husband and I had our XXXX XXXX  XXXX XXXX credit card for over 20 years before they sold my account to Comenity Bank. One account.two cardsone for my husband XXXX and one for me. One balance. One monthly payment due. Paid it faithfully. My husband passes away and I contact Comenity to let them know that I overpaid and that my husband passed away. They advise me to send a death certificate and a power of attorney. Which I once did with XXXX  XXXX XXXX and then sent these documents again to Comenity Bank on XX/XX/2023. When I called at the end of XXXX, customer service was not only rude to me but refused to talk to me because I was not my deceased husband. Comenity Bank has my money and I want it back!
Product: Credit reporting, credit repair services, or other personal consumer reports

all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived
Product: Checking or savings account

Im being charged an overdraft fee every time I dont have money in my account and its already hard to keep up with regular bills. {$29.00} every time my account is at {$0.00} is hurting my chances of being able to pay it back with it has been charged a few times in a couple week span. If my account is at {$0.00} then it shouldnt approve any authorize transactions. I cant afford it.
Product: Credit card

Last month I needed a computer for work, so I purchased several parts on Amazon where my total cart was {$1600.00}. As it was a big amount I decided to use the equal pay plan that my amazon visa offers. The payment and plan went through flawlessly. I was prepared for the monthly payments that would amount to around {$130.00} a month, but to my surprise when I was checking my account to get ready for the payment the minimum payment was lower than expected. I looked into my statement and come to find out that two of the items equal to {$940.00} where not placed under the equal pay as they should have been. This I was not prepared for as I budget my money accordingly. I reached out to Amazon they told me that they should have been under equal pay as stated in my Amazon statement, so I should reach out to Chase to see why. I reach out to Chase they tell me that that's what Amazon sent them and they can't do anything about it unless I go under their own payment plan ( which makes me pay a fee ) or I need to contact Amazon. It went back and forth for a week of me trying to get to the bottom of why each company is not helping me. Finally on XX/XX/XXXX when I called Chase once again their representative tells me that he'll send a memo to Amazon to see what they can conclude on. I finally got a response yesterday where once again they tell me they can't do anything and it's Amazons fault. I decide to try Amazon again I finally reach a representative that tells me I'll get a refund for those items and should get a response in 3-5 days. This morning I got an email where they said they can't do anything and I need to contact Chase for help. I contact Amazon to ask why if they agreed to send me a refund they're now telling me to contact Chase. For the first time I get a representative that asks for screenshots of my bank statement. It clearly shows those two items are not in equal pay, but he ignores it and tells me it is. I decide to send him screenshots of the individual items where it says they're not in equal pay. He tells me to give him a moment and kid you not 2 minutes later he disconnects with me. Stunned by what just happened I connect with another agent that says she'll send an email to the same people that have not helped me. When i'm trying to tell her something she keeps copy pasting a response of " they'll reach out to you in 24 hours '' ( i've gotten this before they just direct me to Chase ) she spam pasted that 10 times and disconnected me. Now i'm here because I don't think what these two companies are doing is right. When they force me to pay 9 times what I was planning to not get any interest I was promised it makes my budget very tight as I need that money for food/gas/essentials/and other payments.

Sorry for the long message and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I have had one of my accounts which is Chase United Card charged off. I just recently found out that I was affected by the XXXX breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX breach and possibly Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC didn't delete XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  accounts as I requested. Pursuant to 15 usc 1681a ( d ) 2 Exclusions a ( 1 ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report. These accounts shouldn't be on my credit report in the first place. They didn't have a permissible purpose from me pursuant to 15 usc 1681b ( 2 ) in which makes them civil liable pursuant to 15 usc 1681n. They didn't investigate my dispute because they didn't talk to my neighbors, friends or associates. Consumer reports can not contain factual information pursuant to 15 usc 1681a ( e ).
Product: Credit reporting or other personal consumer reports

I filed a dispute for inaccuracy regarding the account listed below. The dispute was sent to Experian. I asked Experian to conduct the independent investigation as required by law, because the account has an inaccurate payment history. Experian is reporting an account that has multiple inaccurate Charge offs ; XX/XX/XXXX, XXXX, XX/XX/XXXX. 

The account was illegally re-aged because Charge offs were added 3 years after an initial inaccurate charge off was placed on the account. 

XXXX XXXX Disputes were filed XXXX, XXXX, and XXXX. 

Experian stated that the information was verified as " accurate '' even though they are reporting missing and inaccurate information. A request was made to Experian to provide me with the documents used to verify. Experian did not provide the information.
Product: Debt collection

I received a letter from XXXX XXXX XXXX in XX/XX/XXXX saying I owed a debt to XXXX XXXX. The letter stated I needed to contact them by XX/XX/XXXX. I kept a log of my contacts : XX/XX/XXXX XXXX - I rang the number on the letter ( XXXX ), after it rang for a very long time the call seemed to be answered, there was silence for 29 seconds ( with me repeatedly saying hello, asking if they could hear me ), then the line went dead. 
XX/XX/XXXX XXXX - I rang again, this time I got a voicemail system, I left a message asking to be called back. 
XX/XX/XXXX XXXX - I rang again, voicemail again, this time I left a detailed message explaining that I didn't know which account this was for and I requested proof that I owed the debt in question. 

XX/XX/XXXX XXXX - having not hear back I went to their website, as suggested in the letter, and used their form and gave the same details of my voicemail, requesting proof of the debt. 

I never heard back from them. 

XX/XX/XXXX I noticed my credit had a derogatory remark on it re debt collection. 

XX/XX/XXXX XXXX - I called again, this time got a human spoke to XXXX who was apparently a manager, who gave me a contact at XXXX XXXX. 

XX/XX/XXXX XXXX - I calleXXXX XXXX XXXX  ( XXXX ), spoke to XXXX XXXX who was able to give me more details, and I explained that I closed the account in XX/XX/XXXX, and HSBC had made a mistake in the closeout figure, which they'd subsequently tried to credit in XX/XX/XXXX, where they'd made another mistake in the credit, and so this was not a debt I owed. She gave me an email address to send her a copy of my closure letter. 

XX/XX/XXXX XXXX - I emailed XXXX the closure letter. 

XX/XX/XXXX - I received a bunch of HSBC statements from XXXX XXXX dating back to XX/XX/XXXX, although these did not show a debt dating back to XX/XX/XXXX, it DID show the attempted credit in XX/XX/XXXX, and the XXXX balance that the HSBC support representative left in the account, and it showed that XXXX ballooning into the {$140.00} that XXXX XXXX was now trying to collect. 

XX/XX/XXXX XXXX - I emailed XXXX again, stepping her through the statements, and demonstrating how they supported my claims that this was an HSBC error, and not a debt I owed. I never received any response from XXXX, but the derogatory mark on my credit was removed a few days later, so I assumed the matter was finished. 

XX/XX/XXXX - I received notification ( from XXXX XXXX ) that our credit report had changed. Logging in I see that the HSBC account is now showing as " charged off '' and has XXXX late payments listed. 

I have now rung HSBC twice, XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX times, XXXX XXXX multiple times ( I can never get through ), as well as two other collection agencies that XXXX referred me to ( XXXXXXXX XXXX XXXXXXXX XXXX ). All information I have is that XXXX XXXX are acting on the debt and are the ones who have reported the late payments and poor account standing, and yet I am unable to reach them to sort this problem out.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below 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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : 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: Debt or credit management

An account was created XX/XX/2023 for a company called XXXX using my credentials including my social security number. The company Jefferson Capital contacted me and said I have a debt of XXXX. I gave the company all my information including my email address. They gave me an email address that's not owned be me which is XXXX. Someone used this email to create an account and purchase something through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to this company and ask him to opt me out and to freeze any unauthorized information that they have on me and they have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Debt collection

This XXXX account is very old account. 
I asked them to remove the account from my credit in a dispute foam. Due to the time laps of 7 years of hard times. 
What was done instead of removing the account from my credit report. 
The debt collector restarted the clock on the age of the account. 
This issue needs to be resolved ASAP. 

But I am on hard times financially. 
This account affected my credit report for a very long time and needs to be addressed Immediately. 
Thanks again for your assistance.
Product: Consumer Loan

I traded in a vehicle with the intention of getting {$1500.00} back from the car that was traded in. The sales manager, XXXX XXXX, guaranteed that my funds would be available by Friday XXXX or Monday XXXX " at the absolute latest '', presumabley to deter me from going to a different dealership where I could get the funds same day. I have called multiple times for the past week, and could not get returned phone calls or emails from XXXX or the GM, XXXX XXXX. I filed a corporate complaint as well to no avail. XXXX finally began communicating with me on Wednesday XXXX stating that I could come pick up my check, only to call back later stating the check system was down. Today, he has stated that he is working with an accountant to remedy the issue but at this point, it appears they have no intention of remitting the {$1500.00}, even though I have a " we owe '' from the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, Equifax, XXXX, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

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

In XX/XX/XXXX and XX/XX/XXXX I was dealing with a lot of personal issues. I advised Capital One beforehand for both months and was advised that I would need to ensure that the payments weren't 60 days late for a grace. I ensured that they weren't 60 days late and this still adversely affected me despite being told it wouldn't. I have sent numerous letters and requests to no avail.