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

On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from  XXXX in XXXX XXXX Utah XXXXMe my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.MXXXX wife quit XXXX i quit XXXX turn in uniforms ect.XXXX  XXXX  of utah refused to pay us any XXXX because we dont work for XXXXThat is Stupid law to keep working for same Company you get hurt at.Walmart employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX XXXX each one would Not XXXX XXXX Clean so we can get to our property.Sometimes we had to stay in Motel for XXXX due to rainy days muddy.Now we tempory live here in arizona we are broke no money now to get back home.XXXX XXXX we ask them for over XXXX we was in SC and Utah for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

The fraudulent items in question, linked to [ account/reference numbers ], were initially reported to your agency on [ mention the date of your initial report ]. Since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX   shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Product: Debt collection

I reached out to Goldsmith Law Office. I talked to XXXX. She states would send out in writing in detail by U.S. mail, the Student loan debt I owe, that was on Friday XX/XX/2017 between XXXX and XXXX CST. She said that she would send documentation and I told her once I receive this I will make arrangements to set up a payment plan. I called back Monday XX/XX/2017 at XXXX XXXX CST, to see if documentation of my loan and amount that I owe can be sent to me in writing and she was acting like I never spoke with her. So I am taking this measure to get paperwork in writing sent to me. Last XXXX numbers of my case is XXXX. 

The Establishment name and address is Goldsmith & Hull Law Office- Attention XXXX XXXX, CA XXXX Office # ( XXXX ) XXXX XXXX Direct Line ( XXXX ) XXXX
Product: Credit reporting

I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by Chase Bank. Specifically, I have been reported as delinquent by Chase Bank, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by Chase Bank, as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy.

Furthermore, per 15 USC 1666b, a creditor such as Chase Bank is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by Chase Bank 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have been trying to open this account with Venmo for a couple of months I have contacted them. 
Someone stole my identity and is using it to have acct. 
I tried to get them to close it down. 
Or remove my info because I want to open one but can't because someone else is using my phone number. 

Nothing was done after 2 hour 's on the phone. 
2 months of trying to get them to fix the problem and it still isnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020
Product: Credit card

I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX Credit Card is the XXXX in question. The amounts range from {$37.00} - {$40.00} monthly for the last several years. I have not had any late payments, since payments are automatically withdrawn. I know there has been a data breech and my information was exposed and I would like this information corrected and removed from my account.
Product: Consumer Loan

I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.
Product: Mortgage

Royal Pacific Funding has been dragging their feet for over two years on our loss mitigation paperwork. Sent over 12 complete packets and thousands of pages of documents repeatedly and every time it is deemed incomplete and no notification until I call them
Product: Credit reporting or other personal consumer reports

I HAVE HAD TO CALL TRANSUNION AND XXXX MULTIPLE TIMES AND SIT ON HOLD FOR XXXX TRYING TO FOLLOW UP WITH THE REPSONSE TO MY COMPLAINT. XXXX RESPONDED THAT AN ACCOUNT ( XXXX ) WAS NOT ON MY REPORT BUT AFTER VERIFYING IT WITH XXXX XXXX XXXX AND PAYING FOR OTHER MONITORING SITES, I WAS INFACT STILL ON MY REPORT. THE AGENTS AT XXXX WERE ALSO ABLE TO SEE THE ACCOUNT AND ASSURED ME IT WOULD BE REMOVED BUT AS OF MY LAST CALL ON XX/XX/XXXX, I DO NOT SHOW AN UPDATE TO MY CREDIT REPORT. TRANSUNION NEVER SENT REQUESTED TIME AND DATES OF WET SIGNATURES FOR FRAUDULENT ACCOUNTS ( XXXX, XXXX ) THAT ARE REPORTING TO MY FILE. THEY ALSO RESPONDED THAT THEY DELETD INQUIRIES AND THAT WAS ALSO FALSE ( XXXX XXXX XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX, entered my information, and selected to receive a report from Experian. The response was that they could not verify my identity and was routed to an Experian site where I could upload documents to prove my identity. 3 times I entered my information and attempted to upload a copy of my passport and bank statement and each time it was rejected. I've had no issue receiving a report from the other 2 credit agencies. It shouldn't be this difficult.
Product: Payday loan, title loan, or personal loan

I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

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

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXXXXXX bank. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

On XX/XX/year> I certified mailed ( XXXX XXXX XXXX XXXX XXXX XXXX ) TO TRANSUNION FTC ( # XXXX DATE : XX/XX/year> ) REPORT. THEY RECIVED IT ON XX/XX/year> XXXX. I CALLED TRANSUNION TO SEE IF THEY PUT THIS ACCOUNTS ON DISPUTE. WHEN THE LADY PICKED UP THE LINE SHE VERIFIED ME, THEN I ASKED HER IF YOU COULD SEE MY FTC PAPERWORK SHE SAID THERE IS NO PAPERWORK. I TOLD HER THE DAY AND TIME TRANSUNION RECIVED IT. I TOLD HER CAN I TALK TO A SUPERVISOR SHE SAID THEY CAN NOT DO ANYTHING. SHE WAS SO RUDE AND SHE WOULDNT TRANSFER THE CALL. I TOLD HER CAN I HAVE YOU NAME PLZ BECAUSE I AM GOING FILE A COMPLAIN AGAINS YOU. SHE PUT ME ON HOLD WITH OUT GIVING ME HER NAME. NOW I HAVE BEEN ON HOLD OVER XXXX HOURS 15 MIN AND COUNTING. IT IS NOT WRIGHT FOR THEM TO PLAY GAMES WITH MY CREDIT REPORT. 

ALL THIS ACCOUNTS LISTED ON MY FTC REPORT ARE DUE TO FRAUD, I WOULD LIKE THIS TO BE, REMOVED, DELETE, OR BLOCKED, BECAUSE THEY ARE DUE TO FRAUD. ALSO XXXX IS DOING THE SAME THING LOOSING MY FILE.
Product: Debt collection

XXXX is collecting on a debt that is XXXX XXXX XXXX! I defaulted on an auto loan that I signed for a family member who never paid. The car was repossessed, sent to auction and sold. The balance was XXXX and for a couple years I paid on it. After Financial struggles I couldnt pay it and now its more than 7 years old its 13-14 years old since repossessed and the account was closed. 
They left me a voicemail stating they were the Pre Legal department and that I needed to resolve this account for far to long and they wanted a statement. They call me XXXX times a day from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made an agreement with BOA to settle the debt. The settlement agreement that was paid XXXX in XXXX of this year. I sent it to the attorney who was working to collect the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me, and BOA expressed that a payment was not made to them from me.