23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Monday XX/XX/2021 I got a charge from XXXX.XX/XX/XXXXXX/XX/2021 for XXXX on my Chime Account. 

I did not make this purchase This is Not a real website. 
I filed a claim with bank XX/XX/XXXX. 
They denied my claim XX/XX/XXXX. 
I appealed XX/XX/XXXX. 

Ive called multiple times since XX/XX/XXXX, it was escalated multiple times. Now its XX/XX/XXXX and I still havent heard anything. I called them and they said they sent a email on XX/XX/XXXX. I dont have this email, they wont tell me where it was sent. I also contacted XXXX and they said that site isnt affiliated with them. 

It was denied again XX/XX/XXXX as per representative. Once again I was not informed of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$3400.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing about an account from Midland Founding, account XXXX opened on XX/XX/XXXX claiming a balance of {$1100.00}. Midland is a debt buyer, they claim this money was owed from an old XXXX XXXX credit card. 

On XX/XX/XXXX Midland funded attempted to sue me in XXXX Municipal Court, case XXXX, but the case was dismissed on XX/XX/XXXX when they could not prove to the court that I owed the debt. This can be verified by looking up the case at XXXX XXXX XXXXXXXX I notified both credit bureaus in writing of the dismissal. XXXX removed the account from my file right away, but XXXX would not because they say that Midland confirmed to them that I still owed the debt even after I showed them proof that their claim had been dismissed in XXXX Municipal Court.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Checking or savings account

I closed my Chase Bank account on XX/XX/2020. My account was XXXX and I left with the understanding the account was closed and would not receive any further debits and credits. Today on XX/XX/2020 I was sent a debit to the account I believed to be closed only to find it was still opened and had paid out several debits overdrawing the account with multiple fees. Calling the bank the said pending debits had kept the account opened, but nobody indicated this was a possibility when I closed it.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX and XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX 7. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a report stating the bills included in this report do not belong to me, Radious Global continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.
Product: Debt collection

I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.
Product: Mortgage

XX/XX/year> mortgage companies allow up to XXXX  days to make a mortgage payment before it is considered late. 

We never had a problem paying the mortgage. However, we get paid every XXXX weeks just like everyone else. Sometimes payday lands on the XXXX or XXXX. And depending when payday lands is when we would make our payment. Amerihome mortgage company never had an issue. 

Freedom Mortgage recently bought our home loan, required us to increase our home insurance ( now our monthly payment goes up ) and does not allow any grace period to make a payment. Its pretty much a scam or racketeering if you ask me. We have had enough and said XXXX it, we are selling the house because we are done. Its almost like if you bought a car from me and then I tell you hey, youre good on the insurance. Then someone else takes over the loan and says nahh, thats not enough you need more, and by the way, XXXX you pay me now. 

Thats definitely another reason to push people out homeownership on top of all the other things they have to face.
Product: Credit reporting or other personal consumer reports

I am requesting that this unauthorized inquiry be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving this matter. 
XXXX XX/XX/year>
Product: Credit card or prepaid card

I held Synchrony credit cards for 8 years ending in 2020 when for no reason whatsoever Synchrony closed them all. I *never* mishandled credit my entire life, have an exceptionally high credit score and a 30-year solid credit history, yet Synchrony invented a lie and closed my accounts. When I filed a CFPB complaint about this in 2020, a Synchrony executive office staff member promised me that I was not blacklisted and could reapply. 

Every time I reapply Synchrony immediately refuses my application because I am blacklisted. 

I received a pre-approved offer for a Synchrony MasterCard and submitted the application. They pulled my credit bureau reports and instead of giving me the results, they directed me to a website XXXX. This website does not belong to Synchrony at all and it is instead a website for a XXXX company written only in XXXX. 

I believe Synchrony is illegally discriminating against individuals because either they are stationed overseas or for other illegal and immoral purposes. Also, Synchrony has shown themselves to be liars by blacklisting when they have expressly promised they were not,.
Product: Student loan

On XX/XX/XXXX I applied on studentaid.gov to have my student loan repayment plan switched from PAYE to SAVE. I linked my studentaid.gov account to the IRS so all financial information would be readily provided. 

On XX/XX/XXXX my application to have my IDR plan changed to SAVE was denied. MOHELA was contacted and I was informed by a customer service representative that the income information provided by the IRS was " unverifiable '' and that the application was denied as such. The agent could not answer how the IRS provided unverifiable information, I requested transfer to a supervisor at which point the representative placed me on a XXXX minute hold before the call was ended by MOHELA without speaking to a supervisor. 

On XX/XX/XXXX I contacted MOHELA again regarding this issue. I was informed by this representative that my request was denied for " unknown reasons " and that they could reprocess the application. This representative asked if I would like to be placed in administrative forbearance while the application was reprocessed, I declined to be placed in administrative forbearance. 

On XX/XX/XXXX I received email notification from MOHELA that my account had been placed on a 90 day administrative forbearance while my was being processed. I again contacted MOHELA. A representative told my secondary application to transfer from PAYE to SAVE was declined because the monthly payment amount on SAVE would be higher and that I was placed on administrative forbearance because of this as well. I reiterated that I had requested transfer to the SAVE plan and understood the payment amount would be higher. The representative informed me it was " standard practice '' to deny any requests that increased payment amounts. I requested transfer to another representative who reiterated the above information but offered to work with a supervisor to again submit a new application to change to the SAVE plan, that the supervisor could " formally request I leave administrative forbearance " and that they could " possibly reinstate the PAYE plan '' as opposed to placing me on the standard " if forbearance is able to be ended ''. When I requested information surrounding why nothing the representative offered could be guaranteed they simply reiterated that a supervisor would have to request my be serviced per my application. The representative again resubmitted my application. 

On XX/XX/XXXX I received an email from MOHELA informing me that I have been placed on a second 90 day administrative forbearance.
Product: Debt collection

Theyve been collecting or trying to collect money from me every month for this, and it was included in my bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with XXXX XXXX XXXX This error has been reported by only Equifax as recent as XX/XX/XXXX. 
I've contacted both the creditor ( XXXX XXXX ) and the credit bureau ( Equifax ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

XXXX requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with Equifax because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported a late payment for XX/XX/2020 during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Product: Credit card or prepaid card

I booked travel using a chase credit card in XXXX of XXXX. I used XXXX points I earned with the card combined with {$2000.00} for the reservation. Due to COVID travel restrictions I had to cancel my reservation. I did so in the recommended timeframe suggested by Chase. In XXXX of XXXX I closed the credit card I used for booking this reservation. When I cancelled the reservation on XX/XX/XXXX, I requested they send the refund to a different chase account I have that is open. They refunded the points used to this account within 2 days, but I still have not received the refund of {$2000.00}. I waited patiently and have now been working on this matter for the past month with no foreseeable resolution in the future. I have spoken to Chase travel and Chase no less than XXXX times regarding this matter. They assigned my case to someone in their Executive department. As of my update today, they still have no projected resolution. They have confirmed multiple times that they owe me this amount of money, but I keep getting sent to different departments and each one tells me that they need to investigate the situation. After each one investigates, they send me to someone else.
Product: Credit reporting or other personal consumer reports

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX  card. The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Product: Credit reporting or other personal consumer reports

I ask XXXX  to dispute account thats unauthorized by me. I sent identity theft paper in and everything they need to kno I dont own what in my credit report and they keep sending it in as verified also address that I never stay they wont delete them as well.. 


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

My mortgage loan was bought and sold several times within the first year of my family owning our home. This is a secondary mortgage loan. 
In XXXX, I made a payment to my previous lender based on an ACH already setup, not knowing the loan was bought by a new lender. After realizing the buyout had taken place, I checked the new lender site on XX/XX/XXXX to make a payment. I made two payments of {$48.00} ( {$96.00} total ) thinking I was making payment for XXXX and XXXX. The loan was bought out XX/XX/XXXX. I thought it started XX/XX/XXXX. 
I was never notified of a late payment in XXXX, because apparently I was only making a payment for XXXX and XXXX. I never received a phone call, email, or a letter in the mail notifying of the late notice. I now have a 30+ late notice on my credit for XX/XX/2019 for a {$50.00} secondary loan payment I was never notified about. We are in the process of re-financing our home to payoff this secondary mortgage that has been bought and sold multiple times of the last year causing a lot of confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted and called Transunion many times such as on XX/XX/2018 and to dispute a credit inquiry and/or unauthorized and inaccurate information on my Transunion credit report that is shown in the attached file under CFPB record number XXXX.So any  answer to this complaint with instructing me to go ahead and dispute directly with Transunion is a joke since I already tried that and therefore no excuse using that way of answering a complaint should be the answer to this complaint and here what you did. Transunion refused to intitiate my dispute and/or refused to investigate the above referenced unauthorized information that Transunion chose to keep on my Transunion file against my will and in violation of the FCRA and applicable Virginia state law and and/or regulations. Transunion also made it impossible to dispute that online. There is no way I could disputed that online since my ability to do so is impeded by Transunions restrictions posed on my person to impede my ability to use the online dispute service which is a shameful unethical business behavior. Transunion retaliatory and unlawful actions against me continues after filing before complaint with the CFPB about Transunions violations toward my person. Transunion refused recklessly to allow me to dispute and it is recorded and privileged. Transunion refused recklessly to look into the issue and insisted instead to maintain innacaurte harmuful information in my records kept with this bureau. Transunion retaliated against me by denying my rights asserted under applicable law and regulations. Transunion must comply to the law. I demand from Transunion pursuant to the freedom of information act and/or privacy act to justify in writing why the disputed information that is shown in the attached file should remain as incorrect as it is now without my consent and against my will and in violation of the FCRA and my privacy. I am so tired of coming to this platform over and over to seek protection from Transunions unexplained aggressions and violations of many of rights as indicated herein and elsewhere and no my contistutioal right to peace is under imminent attacks and violated by Transunion. Transunion involved staff or individuals please have a life and let me along in peace or face justice. Exhausted all friendly initiative to resolve this issue caused and maintained by Transunion in violation of applicable law and/or regulations. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX am writing to dispute the following items on my credit report, as I believe they are the result of identity theft : XXXX. XXXX ( Account # XXXX ) XXXX. XXXXC ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX  in XXXX, TX, and I reported this issue to XXXX at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX and XXXX ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you