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

To whom this may concern I am a co-signer on a vehicle with Chrysler Financial. the primary borrower was late on a payment and did not inform me or I would have resolved this matter myself. Furthermore, Chrysler Finacial did not let me know that this was happening either. When I spoke to customer service on approxXX/XX/2020, it was discovered that Chrysler financial did nor have my correct information on file as they claimed that they attempted to reach out to me to inform me of this delinquincy. 
I have had multiple conversations with the customer service team at Chrysler Financial and there answer is that they hold no accountability for reaching out to me to let me know that the account I was a co-signor on was delinquent. 

The results of their dereliction of duty towards me as a customer is a decrease to my credit score and a derogatory mark that will last 7 years. 
I am asking that Chrysler remove this late payment from all credit agencies immediately and create new guidelines to treat and communicate with co-signors in the same manner they communicate with primary borrowers. 
on XX/XX/2020, I spoke with Mr XXXX XXXX from the Exec office/Office of the president and he advised me to reach out by mail to the Chrysler Capital credit Bureau Dispute office and initiate/follow up on this dispute with them. Mr XXXX also requested that I email him this information as well. I have advised Mr XXXX of my reaching out to the CFPB regarding this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with XXXX  and experian about my credit report from XXXX XXXX. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} XXXX XXXX charged me $ XXXX is reporting that my first late payment was XXXX XXXX but XXXX XXXX reported that it was paid on time.Experian is reporting the loan amount {$11000.00} XXXX XXXX initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXXExperian is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to XXXX XXXX {$1400.00}. XXXX  is stating I have over XXXX late payments Experian states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to XXXX XXXX on the XXXX of the month then XXXX XXXX will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX  from my credit report.I believe XXXX XXXX reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX  that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Product: Credit card or prepaid card

Greetings, Writing in regards of dispute that has not been resolved. My daughter purchased tickets for me by accident for the concert for XXXX XXXX I called the company XXXX and explained the situation, but was told that they cant help me and wont refund the money. Hence, I proceeded with dispute with my credit card company. My request was, also, denied.I was told that they cant help me and that I need to pay the charge. 
I never rendered the services and my daughter purchased this by a mistake/ fluke. I was under impression that credit card companies protect their clients in cases like mine. I dont feel I should be paying for something that I didnt use. 

My fear is that this will be proceeded to collection agency. I always pay my bills on time and dont have any debt, hence, dont want my credit be affected.
Product: Mortgage

I have been told by this company for a full XXXX months that they " can not locate '' my paperwork on my loan. Today they informed me that it is the application they can not find, and they claim that they have been requesting it. If this were actually true, they would have it if they had been requesting it for XXXX months. However, as an intelligent and decent person, I happen to have the original application on file. I have forwarded it to them along with the PMI section of my legal loan application, stating that I can have PMI removed as early as XX/XX/2021. I have been asking for it to be removed since XXXX XXXX XXXX, and all they do is blatantly lie to me. They claim that I can not request removal, but I have the documents that state I can request removal as of XX/XX/2021. I want the PMI removed immediately. I emailed them the verification that I am well within my legal rights to have had it removed months ago. I have proven they have been misrepresenting the truth, and I want them to do the legal thing and remove my PMI.
Product: Debt collection

XXXX transferred two items on our cell phone account totaling over {$6000.00}. We had XXXX XXXX with XXXX come to Our house and do an interview. XXXX could not justify these amounts or how someone transferred money out of a cell phone account. The Nebraska XXXX Department gave us a case number. We returned all devices that were not owned by us with the agreement XXXX would unlock devices we had out right paid for and owned. XXXX never unlocked those devices and therefore the agreed amount of {$300.00} we did not owe or pay. They have since just recently damaged our credit with another amount of over {$1400.00}!!!! The collection source they have it to will not collect on this as fraud was involved. How do we get this Virtuoso collection mark off our credit now??
Product: Credit card

BAIT AND SWITCH CREDIT CARD OFFER BY Fidelity Investments & Elan Financial Services Took advantage of a Visa card offer on Fidelity web site noting a 2 % rewards credit card, coupled with a XXXX point ( {$100.00} value ). Account opened without issue, card received, but never received the XXXX bonus. Several attempts to correct via written correspondence and two telephone calls with Elan Financial pushes everything back to a 'live ' phone call. Final call made on XX/XX/2016 to Elan Fin @ XXXX, spoke with a supervisor named XXXX, and she noted as their was no promotional code attached by the system with my account opening, I would not be receiving the promotional offer. The offer, if still up on the Fidelity investments website, is at this URL : XXXX. I was still active as of XX/XX/2016 @ XXXX. When asked why they ca n't research what promotional offer was actively run on the Fidelity Investments web site at the time the account was open, the rep kept referring to the account opening code statement ... I also know that apparently other customers are having a similar issue with not getting the appropriate credit ... This is a classic example of Bait and Switch if I 've ever seen one.
Product: Debt collection

I have attempted to dispute this charged off account with this creditor Synchrony Bank/Care Credit for several months. Which is my rights under the Fair Credit Report Act. I have submitted several dispute letters and this creditor has not responded to neither. I received a payment deferrment accomodation under the C.A.R.E.S. Act in XX/XX/2020. However, this information is not reflected on my credit report. Nor have they informed the credit bureaus I am disputing so the account can be marked as disputed by consumer. I have disputed the inaccuracy of information on my credit report and validation of the debt to no avail. Several months ago this account was assigned to a collection law firm XXXX XXXX. However, the collections law firm agreed to return this collection account back to Synchrony Bank. 

I have attempted on several occasions to discuss this account directly with Synchrony/Care Credit. However, Sychrony refuses to speak with me about the status of my disputes or my account. Synchrony continue to instruct me to contact XXXX to discuss status. Despite the account should not be assigned to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX XXXX  Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is in regards to original case XXXX, Bytheir own admission, the collection agency reported they were uanble to find an account linked to me ( document attached ) yet they have not removed this item from my credit report. They have not responded to the previosu case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv tried to speak with the company multiple times about the violations of improper reporting of my account. The CRA 's are now being held liable for all the violations they are reporting from the company of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit Card XXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.
Product: Credit reporting or other personal consumer reports

Hard inquiries appear on my consumer report from companies that I not authorized to engaged with my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX  XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX  XXXX Balance Owed : {$250.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting

Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. 
XXXX acct # XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to get my credit report from all  XXXX  credit bureaus. I keep sending them the information to obtain  XXXX , my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter.     And when they have sent me information it is in someone 's elses last name
Product: Credit card or prepaid card

I had 2 promotional balances one that was to expire on XX/XX/XXXX ( XXXX call this # XXXX ) and one that expires in XX/XX/XXXX ( XXXX call this # XXXX ). I allocated all of my payments after the minimum payment to the promotional balance that was to expire in XXXX ( # XXXX ). This allocation was made on XX/XX/XXXX. The promotional balance for # 1 was {$99.00} prior to an extra payment of {$100.00} that was made on XX/XX/XXXX and should have completed promotional balance # 1. However somehow that {$100.00} payment was applied to promotional balance # 2 erroneously. I call Citibank 4 times, the first time was in XXXX ( around the XXXX ) after the payment was made, to ensure the payment made was allocated to the correct balance, I was assured it would be. The second call was early XXXX when I noticed it indeed was not allocated to the correct promotional balance. I was told it would take about 2 weeks but it would be fixed. I then called a third time on XX/XX/XXXX and spoke to a XXXX named XXXX, because it was still not corrected. I was on the phone with her for over an hour to get this fixed to make sure I wouldnt be charged the interest for this promotional balance. XXXX told me it would take a couple more weeks for this to be resolved but I should see it fixed on my next statement. I expressed concern because I had been trying to get this fixed for well over a month and when I get my next statement it would be past the expiration date of the promotional period. She told me not to worry because it is documented that I have been trying to remedy the situation for a month and a half that Citibank would make sure I wouldnt be charged the interest associated with this promo balance. To my dismay when I looked at my statement on XX/XX/XXXX, I was in fact charged the interest for this promotional balance that was supposed to be paid off on XX/XX/XXXX. I called Citibank again today and spoke with a woman named XXXX XXXX her ID number is XXXX ) XX/XX/XXXX and explained the situation for the fourth time and was then told there was nothing they could do except to give me a mailing address with a XXXX XXXX XXXX send a letter and file a complaint. This is not the first time Ive had a misallocation of funds from this bank. The exact same thing happened last year as well. Luckily I have always kept meticulous records and they were able to fix the situation last year but somehow this year they are unable to fix the issue. My promotional balance that was to expire on XX/XX/XXXX shouldve been zeroed out on XX/XX/XXXX and I should not have been charged the interest for that balance. I have a big concern for not only myself but for other customers that are not as attentive to their finances as I am. Please help me with this issue and hopefully this will deter them from doing this to others. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I came to know that my entire bank of America portfolio was compromised. On XX/XX/XXXX of XXXX my son XXXX XXXX somehow became co-owner of my Bank of America account without my knowledge and in the ensuing year he proceeded to siphon over XXXX in money without my knowledge and also opened 2 Bank of America credit cards that are now owed XXXX in total. I have disputed all of these with bank of america to no avail. Bank of America continues to deny my claims and ensures these accounts are valid when in fact they were open without my knowledge and I should not be responsible for the owed amount. I am a XXXX XXXX XXXX lady and it is clear as day that the purchases made on those credit cards did not come from me. Bank of America should have done a better job as a gatekeeper ensuring that this didn't happen to an elder but they did not and now they're requesting me pay XXXX for two credit cards that are NOT MINE! I have filed a police report and there has been an XXXX report filed for elder financial abuse with XXXX XXXX XXXX. Bank of America takes none of this into account and continues to claim these accounts are mine. This is malpractice. XXXX XXXX is also responsible for the attempt of opening multiple other accounts at other institutions but I have had those dealt with and will attach documentation to showcase that. I have also attached a personal statement that I have sent to BofA to no avail. It is absolutely shameful that they continue with this charade. THEY SHOULD NOT BE ADVOCATES FOR ELDER FINANCIAL ABUSE BY ALLOWING SOMEONE TO OPEN ACCOUNTS IN MY NAME AND DENYING MY CLAIMS CONSISTENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been paid on time with no history of late payments : XXXX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Federal law requires that Transunion provide mechanisms to ensure that each item on my credit report is reported accurately. The above item is inaccurate, misleading, or incomplete ; They may have violated federal law. 

I have enclosed copies of the good standing letter as proof of on time payment history with no history late wit XXXX/XXXX XXXX  XXXX. This is proof that Transunion has an inaccuracy on my credit report, therefore I demand that they update this account immediately, & all references on my records. In light of the provided document I expect Transunion to correct this inaccuracy immediately. I would also like a re-score and an updated credit report showing the correct information and my true credit score.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : 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 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Experian : 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 have late payments showing up on this account that needs further investigation
Product: Debt collection

calls from XXXX every morning after XXXX XXXX. Leaves no message Company name Amsher, found on the internet. I do n't owe anyone anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have a Bankruptcy listed in my/our Credit Files ... ... ....!!

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XXXX, the same year someone filed a XXXX Federal Tax Return in my name only, and we have filed a JOINT Return since XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!