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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX XXXX  XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

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

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

There are several inaccurate late payment entries on my credit report. This is not reflective of my payment history; please correct these errors.
Product: Money transfer, virtual currency, or money service

Today, on XX/XX/XXXX, I received a payment of {$35.00} to my AirTM digital wallet. This was flagged as suspicious activity, and my account has been frozen. They will not allow me to receive my money without a state issued ID, which I do not have and can not afford. When I reached out to AirTM for support, they continue to ask me for ID without recognition of my circumstances. It can not be legal for them to withhold my money for this reason.
Product: Vehicle loan or lease

I made a phone call back on XX/XX/XXXX to Captial One Auto XXXX. I inquired on getting a Covid extension for the payment of XXXX. I was advised by the rep during that time that I had qualified and did not have to make another payment until XXXX. I logged into my app in XXXX and saw that the account was considered past due. I reached out again and was advised by another rep that I did not actually qualify for the covid ext. for the payment. I explained to the rep how the previous rep had advised that I did, If I would have known that account was going into past due I would have tried my best to make a payment. I requested for the call to be pulled and the rep advised he would send it over to a super visor that would have to pull the call and give me a call back. I received a phone call on XXXX XXXX from a XXXX XXXX by the name of XXXX who advised that the called was pulled and that they would honor what the original rep advised and would give me 2 months of covid ext. but ensure that I made my payment on time for XXXX. He also stated that the payment would not report past due on my credit because it would not be over 30 days past due. He also stated that he would waive the late fees on my account. I Later received a phone call from another rep later that month that advised my payment was past due and wanted to know when I could make a payment. I explained the situation to him and requested a super visor. After being on hold over 30 mins the rep disconnected the call and did not call back. I called back and got another rep, i requested another super visor as I know longer wanted to keep repeating the story. The rep was able to get me a super visor by the name of XXXX XXXX. I advised all of the following above and he assured me he would be able to assist. He reviewed the notes on the account apologized and basically told me the same. Make your payment on time in XXXX and we will take the other XXXX payments for XXXX and XXXX and put it on the end of the loan. I was under the impression that he was honoring the covid ext. I requested documentation this time so I could have proof for my records. He sent me over documentation showing that he had enrolled me into a deferment plan instead of honoring the covid ext. and also it was only for 1 month not XXXX. I recently called again this week to address the issue and have been put on hold for over XXXX mins. I was then advised no super visors were available and that someone would have to contact me back in 2-3 business days. Before this incident I had never missed a payment or even been later with a payment any more than 1/2 days. I have had this car for almost 2 years. I was lied to and now my credit is being affected. I made my payment on time according to the deferment plan even though I was mislead. I also tried to call today before submitting this request and was advised the same no supervisor is available and also no resolution team rep is available, but someone could call be back in 2-3 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against transunion for false and derogatory reports on my transunion account. This matter has made my credit score go tremendously down and I tried disputing the debts theyre saying I owe but havent been able to make any progress
Product: Credit card or prepaid card

I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion. 

Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements. 

I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}. 

When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company. 
The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said. 

I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature. 

In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account XXXX.
Product: Payday loan, title loan, or personal loan

I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!
Product: Vehicle loan or lease

I have an auto loan with Bank of America. I made my regular payment on XX/XX/2021. I made an extra payment of {$1000.00} on XX/XX/2021. I expected it to be applied to the principal. Instead, my next payment due date was moved out until XX/XX/2021. I called their helpline and was told there should be an option to apply to principal but no such option could be found while on the call. They said my extra payment would be applied to principal but it will take up to 3 business days to do so. It seems unreasonable to have to call them every time I make an extra payment just to have them apply it to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:1XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

These entries are inaccurate and violate the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). It is your legal obligation to ensure the accuracy of the information you report.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have disclosed my private and confidential information without my consent, infringing upon my rights as outlined in [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Checking or savings account

XX/XX/2024 XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : Unauthorized Transactions on My Bank Account Dear XXXX XXXX, I am writing to inform you of XXXX unauthorized transactions your company processed on my checking account ending XXXX. The details of the transactions are as follows : Transaction Dates : XX/XX/2024, XX/XX/2024, and XX/XX/2024 Transaction Amount : {$1200.00}, {$1300.00}, {$50.00}, {$100.00}, and {$200.00} Transaction Reference Number : Claim Number XXXX I did not authorize these fraudulent transactions. I have included a letter from XXXX First Bank, dated XX/XX/2024, confirming these claims. Please investigate this matter urgently, reverse the transactions, and refund the amounts to my bank account. 
Please confirm receipt of this letter and provide me with an update on the status of your investigation within ten business days. Additionally, I would appreciate it if you could inform me of any further actions I need to take to resolve this issue. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Seeking pre-approval for home loan discovered debt of {$300.00} to Radius Global Solutions. Remember receiving phone call from someone claiming I owed them money months ago. Told individual on phone if I owe them money to send me a bill in the mail or email as all businesses do. Never received any email or mail regarding so. Assumed it was a scam. Still think it is. I have no documentation to upload as I have recieved no documentation of debt owed from said company.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX Lending on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Checking or savings account

XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.
Product: Credit reporting or other personal consumer reports

I want these increase on my credit report removed as I never authorize them to run my credit. I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XX/XX/year> Capital one via dealer finance XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital one via dealer finance XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I opened XXXX and tried to send a friend the money back that he had sent to me. I had previously XXXX him XXXX $ but after that when I tried sending him XXXX $ with sufficient funds in account on XX/XX/2021, Chase automatically denied the transaction and froze my connected checkings account. They provided a number to call but when I called the first time on XX/XX/2021, the customer rep escalated it twice before the third telling me his higher up would contact me within 24 hours but I have gotten no response. I called them again, this time escalated once before the customer service rep made up bogus security questions ( asking me if I lived in apartment or house on an ave. I have never lived on, they had already asked my address before this ) ( what my job at XXXX and XXXX was despite me being XXXX XXXX XXXX college student ) then hung up on me after I told them these aren't my questions. 

I was also emailed a cancellation notice of the payment along with a secure message about my account, except I can't view the message due to account suspension ...
Product: Debt collection

Bank of America sold my credit card debt to an attorney. The attorney filed a complaint in my state to recover the debt. The debt recovery was a settlement. Now Bank of America is providing a 1099-C form to me telling them I owe a debt that they sold off.
Product: Mortgage

Mr. Cooper Mortgage XXXX XXXX XXXX XXXX, TX XXXX Complaint Department XXXX 
XX/XX/2021 Subject : Mortgage Lender Complaint : Mr. Cooper. 

I had a 1st and 2nd Mortgage with Mr. Cooper. I had a mortgage with this company for over ( 15 ) fifteen years in which I never had one late payment. The problem came when I received a notice stating that my balloon payment on my 2nd mortgage was coming due. I called up Mr. Cooper that same day to start the process to refinance the 2nd mortgage. I sent them all the docs required as well as a financial statement. This process with all the information literally took them months to process. In the meanwhile I was served with a foreclosure notice for non-payment on the 2nd mortgage. Bare in mind I was continually paying my 1st mortgage on time and offered to continue to pay on the second. The processor I was dealing with told me not to worry about it that they were close to finishing the process. Month after month of continual follow up to Mr. Cooper I was assured that they would have this issued settled and it would not be reported to the credit report agency. I started researching my credit reports and my credit took a large hit due to them reporting to the credit agency. Once it showed up on the report Mr. Cooper called me and told me they couldnt renew my mortgage because my credit score went down and I didnt qualify. Although its hard to prove intent I strongly believe they were holding off closing on purpose so they could take my home from me. These situations are not uncommon with Banks and lending institutions. Its all about the money. I ended up selling my house so they werent able to foreclose in which I have told them time and time again to take the negative report off my Credit reporting agency. To this day they have not. This whole issue is not a fair practice of lenders such as Mr. Cooper and all I ask is take it off my report. 


Sincerely
Product: Credit reporting or other personal consumer reports

Could you please eliminate these inquiries? I am not aware of them, and the company acted without my PERMISSION.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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

Transunion needs to block and remove fraudulent accounts immediately because someone stole my identity and personal information in order to obtain credit cards in my name without my permission : 1. XXXX XXXX XXXX ACCOUNT # : XXXX Balance : {$28000.00} 2.  XXXX XXXX  XXXX ACCOUNT # : XXXX BALANCE : {$6700.00} 3. XXXX ACCOUNT # XXXX BALANCE : {$3000.00} 4. XXXX XXXX   XXXX ACCOUNT # : XXXX BALANCE : {$550.00} 5. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3700.00} 6. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3600.00} 7. XXXX  - XXXX BALANCE : {$1400.00} 8. XXXX - XXXX BALANCE : {$3500.00} The following inquiry needs to be deleted and removed immediately because I did not authorize it : 1. XXXX  XXXX  XX/XX/2019
Product: Mortgage

Select Portfolio Servicing , Inc. has wrongly increased my monthly mortgage payment from {$1300.00} to {$1400.00}. That they issued my Annual Escrow Account Disclosure Statement the end of XXXX when I always get it issued in XXXX. There was no valid reason to do this as I did not request this nor was there a significant change in my tax or insurance amount to update out of the typical annual cycle. That they stated in writing that my monthly mortgage payment would increase by {$15.00}. This would make my monthly payment {$1300.00} not the {$1400.00} they are requiring me to pay. That they have acknowledged my letter dated XX/XX/2024 informing them of the mistake and have done nothing. I issued another letter and made phone calls, but they have done nothing. I would like to pay the difference, if there is legally one, of any shortfalls to keep my monthly mortgage the same, but can not because if I paid the {$15.00} as they state, I would still be short {$13.00} since they show the actual payment increase is {$140000.00}. Select Portfolio Servicing, Inc. is displaying a total disregard for current state and federal laws concerning mortgage payments and appears to be totally disregarding the facts concerning my account.