23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Account # **** Date Opened : XX/XX/XXXX Balance Owed : {$500.00} -Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times, todayXX/XX/XXXXwas the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.
Product: Credit card or prepaid card

On or about XX/XX/2022 Synchrony was contacted concerning Generac and Care Credit card ( s ) and was explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- two cards had a total of about {$2300.00} ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' I have one card that I am certain I was paying the extra couple of dollars for insurance and was told " we don't insure our cards '' and one card I was almost one year ahead of paying off per purchase agreement... means nothing apparently. Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough.
Product: Credit card

UDDAP ISSUE : I currently have a Home Depot credit card issued by Citibank. Every month, I make my payment on time and in excess of the minimum payment due. The excess amount of the minimum due does not get applied to the promotional balance, as setup by myself online and via customer service - multiple times. Because I work for a financial institution, Im very familiar with the CFPB regulations for proper payment allocations. Each month, I have to call in to get the payment adjusted correctly/payment allocation setup again and Citibank keeps telling me theyve fixed it. The agents do not complete the request. I am concerned with consumers that are relying on the system processing payments correctly, as they are probably being charged inadvertently with all deferred interest as they think payments are applied correctly. And when you call, the agents say they take care of the issue but never do. Ive taken all the proper steps but their system still doesnt work correctly. This is deceptive behavior!! 

Ive provided a screenshot of my statement where youll see the prior months adjustment done by an agent for the corrected amount of {$380.00} along with the newest payment made in XXXX for the total amount of {$300.00} applied to my revolving balance, whereas a the min payment dues was {$100.00} - {$200.00} shouldve been applied to the promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I noticed inaccurate accounts associated with my credit reports from TransUnion, XXXX, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My TransUnion credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

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

Today XX/XX/2022 I noticed on my Transunion credit report a hard inquiry for a business called XXXX XXXX which I didn't do any business with. I contacted Transunion to dispute for a likely identify theft issues as I had my wallet stolen back in XXXX XXXX and I am monitoring my reports on a bi weekly basis since that time. After verifying my information with the automated service I then had to do it with the support agent. I got informed I now have to send in documentation to verify myself before any type of assistance will be done. Why do I need to do this if I already did on two separate instances?
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted the forbearance application on XX/XX/2020 because I became unemployed for a period of time due to COVID 19. We received a package back from XXXX  XXXX with documents to sign and return. We did not return the documents because we were under the impression that if we signed the documents, our loan would be placed in forbearance and we had decided that it would not be necessary for us to place our loan in forbearance. 
We attempted to call the loss mitigation department of XXXX XXXX  several times between XX/XX/2020 XX/XX/2020. We were sent a letter that had the name and contact information for our home preservation specialist within XXXX. I was placed on hold for up to 8 hours a day, several days in a row and when I finally got through to the client representatives voicemail, it was full and my call was disconnected. 
We emailed XXXX XXXX on XX/XX/2020, stating that we had attempted to contact him via telephone numerous times but had not been able to get through. We stated in this email that we did not want to be in the forbearance program. We also stated that we had mailed in our payment for XXXX but it still not yet been processed. Our online access to pay our mortgage was no longer available and we were directed to call the loss mitigation department. 
We spoke with a lady in XXXX that stated our online access would be restored in 2 days and that every single loan that XXXX had was placed in forbearance. We were assured that no late charges or penalties would apply to our loan during this time. 
We spoke with another customer service representative on XX/XX/XXXX and were once again reassured there were no late fees or penalties and that we were still in forbearance. We made the XXXX and XXXX loan payments via phone at this time. We again stated we would like to be out of forbearance and were told it could take weeks and someone would contact us. 
We then started the refinance process and were informed that XXXX had reported a delinquent payment to the credit bureau and my credit score decreased 100+ points. I am currently not eligible to refinance and take advantage of the current rates because of the misinformation and lack of communication on behalf of XXXX. We were told by XXXX XXXX with XXXX  XXXX on XX/XX/XXXX that they had to pull in people from other departments to handle the volume of calls they were receiving and that their employees could have given us wrong information. 
We contacted XXXX XXXX credit department and they have told us it will be 30 days to investigate the issue. We are requesting the delinquent report be absolved and the credit score to be restored so that we may move forward with the refinancing of our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to receive inquiries on my credit file from chase bank. I have already reached out to chase to inform that this is fraudulent. I have an extended fraud report under all three credit bureaus that I have a fraud alert ... but yet chase continues to NOT CONTACT ME prior to extending credit knowing this is fraudulent. Every time I contact their so called fraud department, customer service claims to take care of it. I have yet to have any inquiries deleted from chase let along, more inquiries as of today X/XX/17 happening again..why is chase continuously letting someone apply for credit under my social without contacting me? This is ruining my credit.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness. Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards. Moreover, adherence to the XXXX XXXX format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. Account XXXX XXXX XXXX Date opened : XXXX XXXX, 2023, I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including, XXXX, and XXXX, you deleted it from XXXX well as any secondary reporting agencies to which you report l plus it was paid for deletion from my consumer reports. Failure to comply with this demand will necessitate further action, and pursuing legal remedies to enforce compliance with federal regulations. I expect this account to be removed from my credit report without delay. Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the two credit bureaus, Transunion and XXXX for violation of the FCRA. I am a veteran who was entitled to the XXXX XXXX. I utilized my XXXX XXXX benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the XXXX XXXX informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate  negative accounts. 
I need them to remove these items.
Product: Credit card or prepaid card

Dear CFPB and Chase, This is a response for complaint XXXX ( CFPB ). I'm not satisfied with the outcome of that complaint for the XXXX XXXX and the related fee for XXXX and XXXX Billing Statement. 

Regarding the XXXX XXXX, the response is that I have not provided document regarding the wrong price. I have provided the email confirmed that the purchase price is lower. But it is no longer applicable since I already returned the item to the store and I suppose to get a full refund. I would change the reason of the dispute to return and not receive a credit. Please see the return receipt which I already provided and I will also attached to this letter. I provided everything back in XXXX and the case is never resolve. Originally the case was file because the purchase price is different from the charge, however, because Chase take forever to response, I have to return the item to make sure I get the money back, however, they never refunded me after I return the item. 

Regarding the related fees for XXXX and XXXX, they are The interest charges of {$200.00} and {$21.00}. I would like to get a refund for it. In your response you told me because I made the full payment for that billing period, the fees are not refundable. It's wrong, because the fees are associated with the XXXX, XXXX and XXXX XXXX disputes, now that I win the XXXX and XXXX XXXX dispute as up now. I should get that fees back. It's because Chase take forever to resolve the claim which make the interest fee accumulate in my account. 

Please be fair and refund me for it. I requested to change the dispute reason for the claim : XXXX to return and not receive refund and change the dispute amount to full amount of {$3300.00}.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account # XXXX 30 days late on XX/XX/XXXX2019, and 60 days on XX/XX/XXXX2019. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXX2020, and XX/XX/XXXX2021. 

XXXX. XXXX Account # XXXX 30 days late in XXXX 2019, 60 days in XXXX 2019, 90 days in XXXX 2019, 30 days late in XXXX 2020, 60 days in XXXX 2020, and 90 days in XXXX 2020.
Product: Mortgage

XXXX XXXX was my Mortgage Servicer- until 2 months back. The Investor on my Loan is XXXX XXXX, I believe. So under the CAREs Act due to the Corona Virus Pandemic and the attendant hardships I faced, I was given a 18 Month Forbearance Plan. And from XX/XX/XXXX, I have resumed my Payments. I was able to log in and pay the Monthly payments regularly, on XXXX XXXX web site. I had also submitted the required paper work and requested XXXX XXXX to add the unpaid instalments to the back end of the Loan, as per the Cares Act and XXXX XXXX guidelines. They said they were working on it. But suddenly, they transferred the Servicing to SLS ( Specialized Loan Servicing ) in XXXX or XX/XX/XXXX and were no longer accepting my payments. I created an Online Account with SLS and tried to make my monthly payments. But unfortunately, the system was not accepting my payments and was demanding the entire Forbearance Amount of $ XXXX at a time. I called the SLS Customer Service both in XXXX and XXXX and made my Monthly payments over phone. In XXXX they said the file is not fully received from XXXX and I should call back in XXXX. When I called back in XXXX, I was told the Loan Modification is under progress. However I started receiving " NODs '' ( Notice of Defaults ) by Ordinary mail and Certified Mail ( copies attached ). When I called them again and asked why I am receiving these NODs, I was told to ignore them. The last I spoke to was one XXXX XXXX of SLS at XXXX XXXX  on XXXX XXXX ), who assured me that they got all the requirements and nothing is required from me. She said the Loan Modification is being reviewed and I should be hearing from them soon. But within 3 or 4 days, I got a NOD by Certified Mail from SLS. I am really at a loss to understand what is going on..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed one complaint already about Specialized Loan Servicing ( SLS ) and the fact the the mortgage was paid off. Once again, SLS has put the loan amount back on my credit which has since lowered my credit score again!!! SLS needs to remove the paid mortgage off of my credit with XXXX because they are showing the mortgage has an open balance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX XXXX and Experian many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notifying Early Warning Services since last year that I am victim of identity theft. I have sent numerous of disputes, Ive contacted the Federal Trade Commission and created multiple reports outlining the details of the identity theft and fraud pertaining to the XXXX account information being reported on my consumer report. I have provided multiple police reports explaining how I am a victim of identity theft. I have provided these same documents to XXXXXXXX XXXX. Regions responded to my CFPB complaint on XX/XX/2023 that they have investigated that I am a victim of potential fraud, which I have attached to this complaint. Early Warning has sent me several letters ensuring me that this informs has been blocked and deleted, which I have also attached to this letter. On XX/XX/2023 I received a email stating that they have reinserted the XXXX account to my consumer report!! WHY???? Early Warning keeps persistently violating my rights as a consumer pursuant to the FCRA. Ive taken every step to recover from this horrible financial difficulty. Early Warning is making my life even more difficult by being unfair and unjust by not following the proper protocols of the law. Early Warning services has a duty to uphold to ensure my information is accurate and complete pursuant to 15 U.S Code 1681c-2. Early Warning has not provided me with any proof that this information should be reinserted. Regions responded that I am a victim of fraud so why did Early Warning Services reinsert Regions account. Early Warning has not sent any updated consumer reports reflecting their decisions. I am in the process of starting legal processes which will result to small claims action against your company for your willful noncompliance to correct this issue and Early Warning will be held liable! I will be seeking {$5000.00} in damages for XXXX. ) Defamation, XXXX. ) Negligent Enablement of Identity theft and XXXX. ) Violation of the Fair Credit Reporting Act! I have accounts that have been frozen and closed due to your company being non compliant. I have been in touch with my attorney general for help with this because Im not getting any help from a company who states that they comply with the provisions of the Fair Credit Reporting Act.
Product: Student loan

As a XXXX Veteran I attended XXXX university, when I enrolled I used my chapter XX/XX/11 VA education benefits as well as the yellow ribbon program to pay for my tuition. The VA essentially paid full tuition as well as a monthly stipend to me while enrolled in XXXX university. However there was a period of about a month from the start of classes until the payment would be made. The financial advisor at the time led me to believe that I needed to take out federal loans that amounted to a total of roughly {$26000.00} ( I did not know that amount until later ) to cover for the time lapse with the VA program even though my tuition books and fees were completely 100 % covered with the VA programs I was utilizing. They then sent some of the loan money to me saying it was a stipend, or saying it was a grant from the government, but they also sent some of the loan disbursements to an account that was not owned by me, but was still said to be " stipend '' out to me. They said they sent me {$26000.00} in stipends within six months. They did not. They also told me that once the VA started paying my tuition that my loans would be cancelled, instead they kept requesting money for tuition from both the student loan providers and the VA. Then when I asked for an investigation, they changed all the records to reflect I dropped classes the first day of enrollment causing me to owe roughly {$17000.00} dollars back to the VA . They changed all my grades in there system to F 's and said I never attended classes. They had to send certifications to the VA saying that I was still enrolled to receive payments, which they did for years. Yet my real enrollment was only for 6 months. On the audit the XXXX found they had me enrolled in online classes as well as campuses in XXXX XXXX as well as in XXXX California. But the " new ledger '' I was sent reflects me dropping classes as soon as I was enrolled, which in turn caused the debt owed by me back to the XXXX. I have all the emails from them as well as emails from instructors that will verify that I in- fact did complete more attendance than they reported since my last day attended matches the day the classes start. In short this school scammed me into getting federal student loans that they dispersed to themselves. They have caused me a ton of debt and financial harm that still continues as well as lost VA education benefits that I paid into not only with my service to this country but with my money as well. I am in debt {$43000.00} as a result of a 6 months attendance that did not end with a degree. I have asked the loan servicer to forgive these debts as they are fraudulent but they will not. Stating the information they received from the schools says it is a certified debt on there end because the school XXXX University certified attendance to receive the loan amount. Yet the same school told the XXXX I dropped all my classes the start of enrollment causing me to repay thousands in tuition and BAH and resulting in a loss of education benefits to myself.