23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau : In XX/XX/2019, the Capital One credit card ( 10 years their customer ) reported to the 3 credit bureaus false information about my payment that according to Capital One was for {$3.00}. On XX/XX/XXXX and XX/XX/XXXX, the same report was placed by Capital One for {$170.00} twice. The same report was reported 2 times which gave me 2 negative remarks and All 3 bureaus have wrong data on my credit report, which shows missed payments for XXXX but on two accounts. I contacted XXXX XXXX by phone ; however, there was no manager or any other supervisor to speak. I have spoken to many other customer representatives who gave me totally wrong information about my payments, accounts, and could not answer any question. Also sent two letters without any answer from the Capital One claim department. All the wrong information lower drastically my credit score and ruined my credit for next many years. For a person to have a decent life, each individual must have a roof above the head, food, a car, and a job. But in order to have that the credit score has a huge impact on all things we can afford. As of now, my credit report was excellent for many years, please see attachment. 
I am asking for a positive result in this case. 

Sincerely
Product: Mortgage

On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.
Product: Bank account or service

I signed up for a Citibank Gold Checking account under promotional offer and now Citibank is now claiming no such offer was on my account despite messages and phone conversations with their staff saying I qualified for the promotion and should receive my miles within 90 days. I have attached a message I saved from them ( which now has been mysteriously deleted from my account ) that states the promotion has been applied and all I needed to do was make another bill pay which I did on XXXX/XXXX/16. I should then have gotten my miles by XXXX XXXX 2016 but have not. I have also been getting charged a monthly service fee for keeping the account active in the meantime of {$30.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit is freshly reposting a charge-off of {$13000.00} to my credit report, inaccurately reporting a " recent '' Charge-Off ( CO ) repeatedly. A 2 year payment history is showing OK payments XXXX - XXXX and a CO at the end of XXXX in error. Any charge off would have been from approx. XXXX and I was never given an opportunity to settle this account nor did I receive any written notification of negative actions. I believe this to be an unfair business practice and would like to resolve this dispute or have it at a minimum accurately reported on credit reports. 

Unknown account number being reported : XXXX XXXX
Product: Credit card or prepaid card

I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

Thank you.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for SYNCHRONY BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called SYNCHRONY XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Debt collection

XXXX for Navient XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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: Credit reporting or other personal consumer reports

I have 5 inquiries due to fraud I called them several times to tell them I didn't apply for the credit and at the time I was in XXXX XXXX bankruptcy I knew I couldnt get approved for anything
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX yet XXXXXXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Product: Credit reporting or other personal consumer reports

I refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX - XXXXXXXX XXXX XXXXXXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in helping me remove these fraudulent accounts from my consumer reports. I will attach everything needed for the items to be blocked according to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my personal statement that there is information within my credit file that is inaccurate. Pursuant to 15 USC 1681e ( b ) please update my personal information to be accurate and complete. 
See Attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.
Product: Debt collection

I have received a copy of my transaction payment history with American Credit Acceptance. I got this loan in XX/XX/2019 and my payments are {$330.00} each month due by the XXXX. The interest rate is 28 % and am also under a simple interest loan with has a per diem. of {$7.00} daily interest. I have every payment and never been 30 days deliquent on this account. ACA has applied over 8 payments towards all of interest and nothing towards my principal balance. I have tried to call them and discuss this error and no one is able to assist me they keep trying to tell me its simple interest and I understand that however even though it is simple interest if I pay any payment before the due date I should have money applied to interest if paid before the due date and at no time should my full payment be applied fully towards interest if I am paying before the due date or not going over 30 days. I have tried my best to discuss this with ACA and I am getting no where with them. I work for a bank with mortgages and I know exactly how simple loans work and should apply to debt balances. Please review my payment history and have them update this payment on my credit report file as well as their file. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called equifax to find out my score from them. They requested I send in documents to verify my identity. I did so and received a notice today that they have no records or any type of credit information from me when I have a large amount of credit usage. The other two companies have records for me. Every time I try and contact them to resolve the issue they will not talk to me until I verify my identity which I have already done, and in the beginning part of the verification process to even speak with an agent a strange cell phone number is listed that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been using my credit card in past & always paid on time & always pay off balance on my credit card, TransUnion is not reflecting that & still shows a balance of {$940.00} out if my credit limit which is {$1000.00}, I have {$0.00} balance on my credit card all has been paid off, I made several on time payments for years, I have a perfect payment history, other 2 reporting agencies XXXX & XXXX are reporting accuratly, TransUnion is not & they dropped my score from XXXX down to XXXX & reports last payment back in XX/XX/2020, I talked with TransUnion on phone over a month ago & he said he would look into it but I never got a response back.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO SEVERAL ACCOUNTS ( listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that this account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$2200.00} BALANCE
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged a {$39.00} annual fee for the card. I called and spoke to multiple reps who told me this fee can not be reversed even though I just changed the card to a no fee card. This fee is from XX/XX/XXXX-XX/XX/XXXX confirmed by the capital one reps but they will not reimburse the annual fee even though I will not be using that card
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.
Product: Debt collection

I am writing you this letter regarding the following account : XXXX XXXX Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove this account from my consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting XXXX numerous times. Also contacted XXXX, Transunion etc. to get it removed. They contact XXXX and they take XXXX word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.
Product: Credit reporting or other personal consumer reports

XXXX is in the name itselfXXXX They are con artists. XXXX refused to take back the washer and dryer when I called to return them due to job loss, which led to collections and a charge off. Theyre reporting that Im paying as agreed, but I havent made any payments since I requested a pickup. When I did call to settle I was told they would update my account to " paid in full '' after I settled, but they wouldnt put it in writing, so I refused to pay because it means nothing without documentation.

They also financed my delivery charges without giving me the option to pay upfront and did not clearly explain the agreement. I was told I could return the items if needed, but that was not the case. XXXX is a scam, charging XXXX times the actual price and putting people in difficult situations just to collect money and ruin their credit. Companies like this need to be shut down!
Product: Debt collection

I just received a notice from Capital Recovery Systems , Inc. claiming that my past due balance for parking violation owed to XXXX XXXX XXXX has been referred to them for collection. It took me by total surprise because I have never parked any car in XXXX XXXX. It doesn't even mention the car tag, a date nor the address where the violation occurred. Moreover, I have never received any initial or following claims directly from XXXX XXXX XXXX about any violation before it was sent to collection. It is all very bizarre to say the least.
Product: Checking or savings account

I won a big settlement lawsuit for my child i opened a CD Block account as order by the judge and the state of California with the highest interest rate. this was in XX/XX/2005. My child was a child as time went by the bank has done some unethical practices that i've ever seen. The bank has misspelled my daugther. and illegally took her the account with the proper notice and judge order. they allowed my ex husband to go and change the address without notifiying me or judge order and he's not even on the account. The bank took off the highest inrested rate as order and the bank failure to notify me or my attorneys and without the judges order. And its been 16 years and my child is XXXX now and i went in to switch the blocked account over to a trust account as order. And the bank said my daugther is my sister and taken off the account without notifying me, or judge order. The account hasn't grown in 16 years the lowest ever interest and i'm so angry
Product: Mortgage

I paid off my Heloc on XXXX XXXX, 2016 and have not received my original note back. I received confirmation that the line is paid off and closed.
Product: Student loan

I have been a student loan borrower for 10 years now and have been struggling with my payments since I had to leave college for not having enough funds to continue. Since then I have been through XXXX different job positions that have had nothing to do with my college education. I have been in deferment and forbearance multiple times because of my income based hardship. Even last year I was so desperate to bring my huge debt down that I found a loan forgiveness company, XXXX., and paid out {$600.00} and have yet to see any of my loans significantly decrease. I 'm sadden that it has taken this long and I have yet to put a dent in my ever interest growing loan. I have called Navient and XXXX multiple times to figure the situation out and I have only come up with giving up and paying Navient back. 

Currently, I 'm unemployed, not receiving unemployment benefits, and I just had a XXXX leave pay too. How is a person supposed to survive when my student loan payments are as much as my rent? I had to go on welfare just to feed my child. This is n't the life I thought I was going to have when I agreed to borrow money for school. I did n't know I would probably be going to my grave with so much debt. 

So now that you know my story and I 'm sure others, what can you do to help me? What can be done to help my situation of barely surviving in XXXX with a XXXX who needs me more than ever? 

Please do n't just ignore this email. Actually read it through. My story is n't too different from the million borrowers under you. We 're all struggling as a whole and all we wanted was an education to have a better life. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXXXXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.