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

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So i filed a dispute with equifax on XX/XX/XXXX for which i got an email saying 5-20 business days. 
After 21 business days i began calling. 
I was told they were having technical issues with their dispute tools and they couldnt help me. 
Day 2 i asked for a manager and was denied saying only a callback was an option. 
I accepted, but never received a call. 
Day 3 i was told the technical issue was around 3 weeks now. 
Day for i was told over a month. 
Fast forward to today, i called and spoke to an agent, said call backs were a lie and i wanted to speak to a supervisor now, she hung up. 
Called back. After 1 hour i got a manager XXXX, who told me the tools were working again, they he pulled up my info and said, oh sorry THOSE tools are NOT working. 
I got frustrated and asked why he lied, he said 'dont yell at me ' i told him i wasnt yelling. 
He said ' Sir you can not yell at me have a good day ' and there was silence. 
I said 'If you hang up i will have you fired '. 
He remained silent. 
I said ( after assuming he hung up ) 'OH MY XXXX, YOU XXXX XXXX ' To which he responded ' you cant say that, have a good day ' and hung up. 
This is unacceptable behaviour. and they are refusing to acknowledge my dispute because of 'technical issues ', but how can a company operate with technical issues lasting over a month ... 
I want this resolved right away
Product: Credit card or prepaid card

I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.
Product: Checking or savings account

On XX/XX/2018 I opened a checking account and a saving account at the JPMorgan Chase bank in XXXX XXXX, WI on XXXX XXXX XXXX. I did so in response to a blue card received thru the mail which says Enjoy up to {$500.00} as a new Chase customer. I was to receive {$300.00} for opening a new checking account with a deposit of {$5.00} and a saving account I was to receive {$200.00} with a deposit of {$15000.00}. At the end of my appointment with Chase employee, who set up both accounts and took my check for required amounts, I was informed that accounts were active and bonus monies would not be paid until funds remained in account for 90 days. After waiting the required 90 days I did not see bonuses credited to my account. At end of XX/XX/2018, I still did not see bonus credited so I called to talk to bank representative who opened accounts for me. 
Her voice mail said to leave message which I did. After several days she did not return my call I called to speak to any person at bank. I learned that bank employee was no longer employed by them but they would have supervisor to return my call. After days no one returned my call so I called again. I was told someone would get back to me shortly. No one called. I called again to talk and a teller informed me that since Chase employee had not put a code from the blue card on my account, they could not pay bonus. 
EVEN THOUGH I deposited EXACT amount required by their offer, and their representative ( an account specialist ) takes all info and monies, the Chase Bank does not honor their advertisement. This is because they say THEIR employee did not put code from blue card on the account. 
I called the president of the bank and left message. He chose not to return my call. 
On XX/XX/2018 I personally went into the Chase Bank on XXXX XXXX in XXXX XXXX and closed both accounts. Later I filed complaint with Department of Finance and Banking and Wisconsin Dept of Consumer Protection. 
JP Morgan Chase answer to my complaint was only that the required code was not on account and therefore they could not pay bonus to me. 
This is highly suspect that I put in the exact amount required and left it there for 120 days and now they say I didnt have a coupon. Their employee was given the coupon and she put it in a file in front of me. 
I would like to see the security video of our transaction which would prove that I gave their employee a card. 
If a more reasonable action not is taken with this second complaint, I realize I will have to take Chase Bank to small claims court. JP Morgan Chase needs to give a more satisfactory explanation for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX )
Product: Debt collection

PHOENIX FINANCIAL SERV is damaging my credit. The medical debt I believe was a hospital bill through XXXX  XXXX over 5 years ago. The debt is very old, however, this agency keeps renewing the every few months to bring down my credit as if the debt is new. I want this debt removed as it has already been placed on my credit before. They just placed on my credit again in XXXX and now XXXX. Everytime they do this, it brings my credit down XXXX pts. I called the hospital and asked for a itemized breakdown of the services to support these charges of over XXXX. I never received it. I also had insurance in 2018. Which if these charges are valid, should have been billed to them. I want this debt removed, provide proof of debt of services in itemized breakdown, listing each cost they charged for as it was requested and never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, one or two companies made a mistake and denied my name and experian accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My english is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX XXXX  outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to address late payments appearing on my credit record. Upon review, I discovered these late payment entries. I sent correspondence about this issue over 30 days ago but have received no response, nor satisfactory validation. I request your help in resolving this matter swiftly and effectively.
Product: Credit reporting

I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I AM XXXXXXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXXXXXX XXXXXXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO XXXX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, BERLIN WHEELER WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my report. I did not authorize these inquiries.I am a victim of identity theft. XXXX XXXX requested on XXXX XXXX requested on XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX requeted on XXXX XXXX requested on XXXX XXXX XXXX XXXXXXXX XXXX requested on XXXX XXXX XXXX XXXX XXXX  requested on XXXX XXXXXXXX XXXX XXXX  XXXX requested on XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX requested XXXXXXXX XXXX requsted on XXXXXXXX XXXX  requsted on XXXXXXXX XXXX  requested in XXXXXXXX XXXX XXXX XXXX  requested on XXXXXXXX XXXX requested in XXXX XXXX requsted on XXXX XXXX XXXX XXXX requested on XXXX XXXX  XXXX XXXX requested on XXXXXXXX XXXX XXXX requested on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested on XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I logged in to check the progress of the loan and in XXXX XXXX years, barely any of the principal has been paid, so I called to request an ametirization schedule, and I was told this could not be provided. 

I want a full breakdown history of my payments and an explanation of why my balance has barely changed in XXXX XXXX years and they won't provide it to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the late payment history that is currently reflected on my credit report under the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXXXXXX account # XXXX According to my records and my understanding of the Fair Credit Reporting Act ( FCRA ), late payment history should not be reported on this account. I kindly request that you investigate this matter and take the necessary steps to remove the late payment history from my credit report. 

Experian, XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 604 a section 2 which states a consumer reporting agency can not furnish an account without my written instructions and under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am fully aware of my rights as a consumer under the FCRA, which mandates that information reported on my credit file must be accurate, verifiable, and complete. In accordance with the FCRA, I am entitled to request that any information I believe to be inaccurate, or incomplete be investigated and corrected promptly. 

The late payment history reported on these account is not consistent with the payment history that I have maintained. As a result, my credit score has been negatively affected, and I am experiencing difficulties in securing favorable credit terms. 

In light of the FCRA, I kindly request that you : Verify the method of reporting that these creditors are using to reflect late payments on these account sand ensure that it complies with FCRA guidelines. 

Investigate the accuracy of the late payment history in question. 
If the late payment history is found to be inaccurate or incomplete, please take the necessary steps to remove it from my credit report. 

Update the account status to " Pays as Agreed '' to accurately reflect my credit history! 

I understand that, under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. During this time, I request that you place an appropriate notation on my credit report to indicate that this account is under dispute. 

Please provide a written response within the statutory 30-day period, detailing the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. If you require any additional information from me to facilitate this process, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and your commitment to upholding the Fair Credit Reporting Act. Your assistance in resolving this issue is crucial in ensuring the accuracy and fairness of my credit report. 

Thank you for your immediate attention to this dispute. I look forward to a timely resolution of this matter. 

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

Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have a balance on one of my credit card, and I have been paying it down which is increasing my credit score. Last month, the month of XXXX, my XXXX XXXX XXXX to XXXX points, which is excellent. Yesterday, XX/XX/XXXX, I received a notification that my XXXX XXXX from transunion decreased XXXX points. I didn't apply for any loans, credit cards, miss payments etc because I know those things decreased credit scores. Plus, the other two credit Bureau which is XXXX and XXXX didn't decreased my score. I checked the reason why my credit score decreased, it states that a balance on my auto loan has been decreased. The name of that loan is ( XXXX XXXX XXXX XXXX XXXX ). I expected the balance to be decreased, because I make my sure that every month my car loan is paid on time. So I think there has to be an error or glitch on transunion side that makes my credit score fall for no good reason. I also think it's very unacceptable to decreased someone score for no good reasons.
Product: Mortgage

I applied for a loan modification and was approved for trial payments starting XX/XX/19 for 3 months trial payment, I made all the payments on time and continued to make payments every month after. I was told I would get my permanent loan modification agreement after 3 trial payments but as of yet I have not received anything.. I continue call 2 times a week to follow and was told there is delay, but its been way too long, for past week I have been trying to reach someone at Bayveiw to make my another payment but have not been successful, I leave message and no one returns my call. I have a sale date on XX/XX/19 am very concerned to loose my house, I have people and agents showing up at my door saying my home is going to foreclosure. 

I would like my permanent loan agreement asap and bring my loan current.
Product: Checking or savings account

Since XX/XX/2022, Capital One has prohibited me from using the money in my checking account. 

I contacted them several times and have also verified my information with their representatives, yet they still will not allow me to use the money in my checking account. 

On XX/XX/2022, I made a payment to my credit card using the funds in my checking account. Capital One reversed the payment leaving me unable to make my credit card payment. 

I have not had access to my money for 3 weeks now and am appalled that Capital One would treat a long term customer this way. I am seeking a prompt resolution to this matter.
Product: Debt collection

I contacted XXXX XXXX  hospital to find a reference number to a claim that they have submitted and a collections that has been sitting on my credit report. They referred me to a number to call the collections agency. The collections agency found the account however it had a difference reference ID as well as a date that didn't make sense. I was XXXX XXXX from the XXXX XXXX as a XXXX  veteran JXX/XX/XXXX. The date for the visit was listed as XX/XX/XXXX however,the hospital stated that I didn't visit until XX/XX/XXXX.

Also, it stated that I saw a doctor XXXX (withholding name due to privacy) however, I just saw the same doctor 2 weeks ago (XX/XX/XXXX) and we have NEVER met prior. 

No matter the situation, combat veterans are gifted with 5 years of healthcare through the VA, so I am not sure why I was charged for a visit I never had. Even if I had it, it was covered under the VA health care system. I guess I am just 1 of 17,000 veterans who were skipped over as determined by the VA Inspector General in a report published XX/XX/XXXX. 

To summarize:
-If I wanted to pay the debt and have it removed, I couldn't because nobody has the account. No collections agency, no hospital, nobody.

-I was under the 5 years of health care (still am) from the VA system with the key terms being as follows: 
--"Eligible combat Veterans will have free medical care and medications for any condition that may be related to their service in theater."
--"Low or no out-of-pocket costs."

In one sentence; I have a medical bill in collections that I didn't receive services for, that I can't pay and shouldn't pay under federal guidelines and I can't get it removed off my credit report.
Product: Vehicle loan or lease

I leased a vehicle from American Car Sales in XXXX, SC, in XXXX of 2023. Within the week that I signed the lease, American Car Sales and its affiliated XXXX XXXX closed. I was notified that Westlake Portfolio Management had assumed the contract. I have been trying since then to obtain a vehicle license for the car so that it can be legally driven. Westlake has failed to provide the necessary documentation to the South Carolina Department of Motor Vehicles to have a vehicle license issued. I filed a complaint with the SCDMV and after they looked into it, found that there was no title for the car that I leased. Even if I paid cash for the car, I could not get it registered, nor could I obtain a title. On more than one occasion, I have told Westlake to pick up the car. In one instance, the customer service person asked why they should have to pay to come get the car. I stopped making payments due to not being able to legally drive the car. Westlake now has derogatory information on my credit report. When I have asked the customer service reps for a number for the corporate office of Westlake, I have been refused the information. I am willing to return the car, but believe that due to the fact that the car was leased without a title, and Westlake can not provide the title in order to obtain a vehicle license, the contract should be voided and derogatory information removed from my credit report.