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

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX SPRINGOAKCAP - XXXX LVNV FUNDING - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I opened a XXXXXXXX XXXX  credit card with Comenity Bank earlier this year and totally paid off the balance of {$130.00} on XX/XX/XXXX with a {$250.00} credit line available. With this card you can purchase items from several other companies and charge to this one card-shoes, bathing suits, furniture and other brand clothes. On XX/XX/XXXX I called to place an order with items from different places such as XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX. I wanted these items to go to the XXXX  to my sons wedding before XX/XX/XXXX too. I was told I could not charge to my XXXXXXXX XXXX  card and had to open a new card and I did for a total of {$170.00}. On XX/XX/XXXX I was checking on order status and nothing had been mailed out and there were estimated delivery dates of 4-6 weeks mid XXXX-after the wedding! I called to completely cancel the whole order since it hadnt been processed and wasnt going to arrive on time. The customer service representative said I could not cancel it and they could not stop the order that had not been processed! However-IF I would open a NEW credit card under XXXX XXXX name-still with Comenity as were XXXXXXXX XXXX and XXXX XXXX-he could get me the order cheaper with express delivery! This would only work for opening a new card and not using the one with credit on it XXXXXXXX XXXX! So I opened another Comenity card-3rd one this year and 2nd one in 5 days XXXX XXXX!! Order total was {$140.00} and arrived XX/XX/XXXX before I left! I had 2 returns = {$32.00} including tax so I should owe XXXX XXXX  credit card {$110.00} to pay off this balance. HOWEVER Comenity decided to charge my XXXXXXXX XXXX card on XX/XX/XXXX a total of {$140.00} with fees and interest! I have called about 10 times, been on hold for over 20 minutes and disconnected and disregarded EVERY time I called to correct this! I was told it doesnt matter what card and I said it matters that you charged my card a day after I opened the new card with the items! Also the upsales is ridiculous and the dings on my credit was unnecessary! Im elderly and feel taken advantage of by their deceptive and predatory sales! And calling for help is truly asking to be abused and treated with rudeness! They never let me talk to a supervisor and would keep switching me to another department-ordering department was in charge of my billing error at Comenity?! I kept notes of each phone call, hold time and ridiculous comments they said to me. They really have NO way to resolve any matters of financial issues and should be fined! Technically they put fraudulent charges on my credit card that I didnt authorize! The XXXX XXXX order finally arrived XXXX and I mailed it right back to them for a full refund is SUPPOSED TO BE DUE TO ME! So exactly WHY did I open THAT credit card-so someone can get a commission?? Exploiting the elderly for what-to decrease my credit????
Product: Mortgage

I am trying to pay off my second mortgage. Though my payments were construed as a 30 year mortgage, I actually signed a 15 year mortgage for {$33000.00} at 13.5 %. After 15 years of paying XXXX my payments were refused by PHH Mortgage servicing and I was offered a loan modification agreement. I agreed to the loan modification and made the payments. In the last 6 months I have sent the company over {$30000.00} in attempt to pay it off. Held in a suspense account is {$28000.00} since XX/XX/2022. In XXXX I received documentation that stated pay off amount XXXX. On XX/XX/2022 held in suspense was {$28000.00}. I wired the remaining balance of {$1900.00} on XX/XX/XXXX in excess of the difference of {$1900.00}. On XX/XX/XXXX PHH reversed the amount back to my bank account and stated they will only take certified bank checks, though the payoff statement indicated wire was preferred. I mailed {$2000.00} which takes more than a week PHH recieved on XX/XX/XXXX and which was applied in a divided 6 payments rather than to the suspense account amount for pay off. They continue to charge interest though they will not apply {$28000.00}. This is predatory by definition.
Product: Debt collection

This scamming debt collection agency is in VIOLATION of 15 U.S.C. 1692g they did not notify me in writing of the debt thats allegedly owed before reporting it on my consumer report. I have no knowledge of this alleged debt. As the original creditor only I can validate this alleged debt. I do not validate this alleged debt so it must be removed immediately.
Product: Vehicle loan or lease

I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. 
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. 
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. 
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!
Product: Credit card

I attempted to make a balance transfer from my Best Egg credit card account to a credit card account with another bank, but I wasn't able to. I called Best Egg customer service and spoke with a customer account specialist named XXXX. He told me that they have a policy that balances can not be transferred out of a Best Egg credit account to a credit card account with another bank, however, a balance can be transferred from a credit card account with another bank into a Best Egg credit card account. In a sense, Best Egg is forcing me to stay with them.
Product: Mortgage

This complaint is regarding Amerisave. My husband and I applied to refinance our home with them around beginning of XXXX of last year. I've given all the documents they asked me to provide for 4 months. All most 95 different documents. My husband and I own our businesses and we are self employed for which every year tax returns were provided as well. Finally, the loan office sent me an email in XXXX saying that my loan has been approved and I'll be working with another person to close the loan. They also mentioned that the loan needs to be restructured as a 20 year loan instead of a 15 year loan which we originally applied for due to our income. we agreed to that and restructured it as a 20 year loan. It was extremely difficult to contact either one of them for so long. They kept sending me closing disclosures again and again but closing was never set. To top it off, they pulled our credit again in XXXX without even notifying me. There was no answer from them when I asked how they can pull my credit again without my consent. After more than 5 months of struggle when I questioned whether they're closing the loan or not, they completely back tracked and said they are still working on approving the loan when it was actually approved in XXXX. Now after 6 months of back and forth with the company today they said that our Income to debt ratio is high and they can not approve the loan. Our financial situation did not change in this 6 months in any way. We have about 28 years of credit history with no late payments. I don't mind if they would have said that they can not approve the loan 5 months ago. But they wasted 6 months of my time and giving misleading information by saying the loan has been approved and then back tracking again. I have proof of all the emails with the information and also proof that how difficult it was to contact them. In several of my emails and calls I requested so many times to talk to a manager but never could get one on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. These entries were not authorized by me, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that they be blocked and deleted from my credit report. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your help to correct the account immediately : XXXX XXXX XXXX  XXXX Balance : {$7300.00}.
Product: Checking or savings account

Chime closed my bank on XXXX XX/XX/2022 with no warning or reason still had XXXX dollars in it and Im afraid my daughters ssi check will go in this closed account Friday cause they didnt give me enough time to change bank just did that today XXXX XX/XX/2022 and has to be done before the XXXX of every month Im afraid they will try to keep her ssi check plus my XXXX dollars in the account they closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have purchased a new vehicle and financed it with BMW Financial. I have a fraud alert on all my credit reports but the finance company has never called the number listed on the report which is XXXX and verify if I am in fact opening the loan - this has violated my Fair Credit Reporting Act rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day OVER 60 days later I have not received a response yet. II feel like I'm 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 60 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX ( XXXX ) sold my credit card to Comenity Capital Bank sometime in XXXX. I was on auto pay with XXXX. Shortly before the sale to Comenity, XXXX made some errors with the amounts they ( XXXX ) took from my bank account. The result was an incorrect balance on my XXXX account. I forwarded the correct information, along with my bank statements to Comenity on XX/XX/XXXX. I never heard from Comenity. Recently i received a collection letter from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMC ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to obtained services to opened an account ( XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. Experian, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to Delete XXXX XXXX was told by XXXX XXXX this account was closed as XXXX and would be deleted
Product: Credit reporting or other personal consumer reports

My personal information is being shared 3rd partys, that I do not consent. My creador report is not accurate, my information is being sold to debt collectors.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXX XXXX  requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX. 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX  Addresses ). 
Given that XXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that TransUnion immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX  Account Number : XXXX Reported Balance : {$960.00}
Product: Money transfer, virtual currency, or money service

I received an alert from my back regarding fraudulent activity from Cash App ( sub-name XXXX XXXX ). I spoke with my bank, locked my card, and contacted Cash App. They refused to even let me finish, and refused to engage. They were unwilling to be involved in the fact a user was using my card information in an illegal manner. I was hung up on when I indicated I would be recording the conversation after they got hostile.
Product: Payday loan, title loan, or personal loan

I am filing a complaint against CareCredit /Synchrony Bank . In approximately XXXX, I took out a loan for {$9000.00} for XXXX work. CareCredit indicated as long as I made monthly payments on time, there would be no interest charged. I made final payment in XXXX without ever paying interest. 

Due to a XXXX  emergency, I had to take out another loan for {$2600.00} in XX/XX/XXXX. I again made timely monthly payments so far totalling {$500.00}. I was recently notified by CareCredit/Synchrony Bank that unless I pay my bill in full, I will have to pay interest on the full original amount borrowed. I notified Synchrony Bank that my son had been helping me financially but due to Covid-19, he is now unemployed and can not help me at all. I requested a waiver of the interest and received a letter stating, " Unfortunately, we are unable to accommodate the changes requested to your financing promotion because the terms of the promotion were established at the time of the transaction ''. Payments will be difficult for me. I am a retired XXXX-year-old and live on a fixed income. Is there any course of action I can take?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Transunion Credit report and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX