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

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that DIREC MGMT is alleging that I owed an amount of {$9100.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and DIREC MGMT has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and DIREC MGMT failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 victim of a consumer fraud of over {$5000.00} on my American Express card made at a XXXX XXXX store in a city I had not been to and located Michigan. I have tried numerous times to dispute this with American Express. I contacted American Express with over 100 letters, telephone calls, or email or text responses pleading that I did not make this purchase. I pleaded with American Express and The credit reporting agencies XXXX XXXX XXXX and XXXX to please investigate accurately and not rely on the information American Express had provided to them. American Express failed to follow the basic investigative process of reviewing the receipt of the fraud which is not in any way associated to me. I pleaded with American Express for weeks before they would provide me with a copy of the actual store receipt from XXXX XXXX as they refused to provide it. They would tell me that it was internal only and could not be given to me. I pleaded and begged for proof that I authorized this purchase I pleaded and begged for a copy or proof of any recording that they have or transcripts that they have that had me authorize this purchase. American Express and the credit reporting agencies have refused to provide transparency in this nightmare that I have been living since 2017.
Product: Credit reporting or other personal consumer reports

The FCRA is very clear on what can and can not be reported on my credit report. Inaccurate information is not being properly investigated and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed disputes to Equifax, XXXX, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that appears as XXXX XXXX however I do not know what it is. Ive disputed the account with experian but they never share what information is being used to validate the account. Only result is Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This does not add any additional information or validate the account. Experian does not care about its duty to accurate reporting.
Product: Prepaid card

Issued a XXXX dollar Amex gift card and have not been able to use it at any online or I person store. Attempted to call and was informed the card is active and the balance is full but they would not confirm where the card be used.
Product: Bank account or service

M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I attended high tech institute in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I  got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped XXXX points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed this from their database as it is proven to be inaccurate. See attach letter and my account number as proof of the removal. 

Please delete this from my credit report Thanks
Product: Checking or savings account

From the dates of XXXX I have over 20 unauthorized transactions from my chime account to a closed step.com account. Once I noticed all of the transactions I contacted chime and started my dispute I was told that since they were unauthorized the chime disputes department would be doing an investigation and I would be receiving my provisional credit within 10 business days. A couple days later dispute denied because no error was found and I reached out to support via email and told them that was wrong and that in fact an error did occur because I didnt make or authorize the transactions so support created a rebuttal and said that I can request the paperwork they used to reach the decision on my claim and again once the rebuttal has been filed I would be receiving my provisional credit within 10 days. Once again dispute denied and same thing again I reached out to support another rebuttal was filed and 20 days later after the initial denial I got the paperwork that was used to determine the denial. I found no evidence on that paperwork that would suggest that they did a proper investigation all the did was pull my transaction history well a more detailed transaction history nothing in said paperwork was from the merchant at all. Today XX/XX/2023 I was suppose to be getting my provisional credit and they wait until not only the 10 day but wait until after I call to ask them what time should I expect to receive the credit to send me an email stating they made a final decision and I can contact them to get the paperwork used to make that decision. I dont know what else to do or say to these folks to get my money back. I dont understand if I was told the system was processing my credit to my account why would they send me a email saying they are closing the dispute. I dont understand why they cant give me a fair investigation I have been with chime a very long time and havent ever had any problems until now.
Product: Debt collection

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Product: Checking or savings account

bofa has not told me the reason why i cant open a checking account
Product: Credit card or prepaid card

In XXXX I shared my concerns to CFPB about Synchrony Bank representing XXXX XXXX XXXX, having had substantially lowered my credit limit from {$700.00} to {$200.00}. Conclusion was to block my credit bureau records so that no tampering or unauthorized use would occur. However on XX/XX/XXXX, I received yet another notice from Synchrony Bank lowering my credit line to {$160.00}. While I recently filed a complaint to the corporate office of XXXX about another card and dissatisfaction of customer service handling, Synchrony Bank should have not lowered -- again -- my credit line. I have tried getting resolution favorable but to no avail ; and retaliation is my reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigated York XXXX regarding Medical debt on credit file. Credit compromised due to remark HIPPA Violation on credit file. Requesting validation
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Debt collection

The account was take off my credit report several times and they keep reinstating it, the bill is not mine and I would like it removed for once and all.
Product: Credit card

Ive requested information on enabling auto payments. The company claims that limits need to be at a set amount. The company alerts and communication options via email do not work. The company sends disparaging and harassing messages to the school about my minor child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the XXXX  data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.
Product: Credit reporting or other personal consumer reports

15 USC 1662b Timing of payments, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
- As a consumer, I am requesting original documented proofs from your company, to reflect thus consumer was late or did not make the payments? Did each creditor have reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date? 

Accounts with Adverse Information XX/XX/XXXXXXXX XXXX XXXX XXXX$740.00} XX/XX/XXXXXXXX XXXX XXXX  {$610.00} XX/XX/XXXXXXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$580.00} XXXX Inquiries XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$510.00} I XXXX XXXX, the consumer , and living being, demand that all accounts and credits be positively adjusted with no harm and the consumer credit allowed to be extended should these documents not be able to be produced.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

See attachments *** Debt collector continue to report this inaccurate information! Reporting of accounts as charge off when they have been paid in full! Using unfair, or unconscionable means to collect a debt! Pursuing to privacy of 1974, pursuant to 15 USC 6802. False or misleading representation
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquired that A. I did not authorize or B combines I never heard of before
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Ca XXXX ] XXXX [ XXXX ( XXXX ) XXXX ] [ XX/XX/XXXX ] [ Experian ] Subject : Request for Assistance Due to XXXX XXXX XXXX Status Dear Experian or " Customer Service Department '' ], I am writing to inform you that I am a XXXX XXXX XXXX XXXX and as a result, I am reaching out to request your assistance regarding the accounts listed below that have inaccurate information impacting my credit report.

Accounts in Question : XXXX. XXXXXXXX XXXX XXXX  - Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$1500.00} - Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$280.00} - Date Updated : XX/XX/XXXX Due to my circumstances as a XXXX XXXX, I have faced significant challenges in managing my financial affairs. I have been working to regain control of my life, and I am seeking your support in rectifying these issues on my credit report.
Product: Mortgage

In, XX/XX/2012 I was behind on my mortgage then I found OHSI. They were helping me become current and reinstate my loan. I called the servicer multiple times for help and they denied me loan and they are required to follow rules they went against those rules and forced me into foreclosure. This was after they accepted the first part of the program in the form of payments. They dual tracked the loan twice and they did not send modification documents timely so I could accept the offer after I had made the trial payments successfully. 
Then when in litigation my attorney who did not defend me accurately I was told to retain by the judge had taken my discovery documents and kept them until 4 months after the trial. This made it so I could not argue anything at trial. He did not bring up my defenses at trial I had given him. They allowed a color copy of the note to be passed as the original signed note so that the bank would have standing. This is fraud in the biggest way and our banks are perpetrating it. The courts are just bending over too. 
Now I know if I was to create a document and use it in court I would be thrown in jail. But not the banks. 

I am tracking down the original note and I am going to find it will this prove that the document the bank is using if a forgery color copy. They have paid off some people or something. The crime here is unbelievable. And they are allowed to get away with it. i would not believe it if it was not happening to me. I was raised to trust these people they are robbing us blind. 

I now have filed a motion for a new trial only I can not afford an attorney I have to defend myself. I am XXXX and this is not easy for me to do. 

I can not believe they are allowing the banks just to go against the very grain of the law and take my homestead from me. I did what it took to reinstate and make right on a loan they did not even fund. They are only the servicer acting like they have standing. To use a fraudulent document as standing only shows me they have no standing. Why dont the police go arrest them for possession of a forged document. They would me. 

This is not fair in anyway because they are taking the only thing I worked hard for and not even fairly. I did not just sit and stay for free they delayed until the arrears made it so I could do nothing. Please help me. This has caused me XXXX and illness and I worked hard for what I have. Can they really take my home by way of fraudulent documents. I received a document that said the note holder was recontrust not the servicer and then the document disappeared. I have included the documents I downloaded before it disappeared. 

And when I brought up the fact that there are three different settlement statements from closing something is wrong. My loan that was never funded by the servicer is full of fraud and lies. There are two sets of closing documents even. I have attached the settlement statements and then one from the title company that they sent me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with Barclays. barclays is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for XXXX XXXX XXXX XXXX barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not mine these inquires are fraud and need ti be removed
Product: Credit card or prepaid card

Facts : Chase Sapphire Reserve Credit Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid ) XX/XX/XXXX - XXXX XXXX XXXX XXXX  from {$13000.00} to {$1400.00} - taking the amount of annual fees charged to 39.2857 %, which exceeds the 25 % limit. 
XX/XX/XXXX - Membership Credit was issued ( auto generated ) to my account of {$550.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid )- the percent of annual fees charged to the Total Line of Credit was 39.2857 %, which exceeds the 25 % limit. 

per section 1026.52 Limitations on fees under the eCFR ( The Electronic Code of Federal Regulations ) it states : The total amount of fees a consumer is required to pay must not exceed 25 percent of the credit limit.

My fees are 39.2857 % - thus in violation of the Federal Regulations I have contacted Chase multiple times regarding this issue and each time they have stated that they are unaware of this rule and have no way to manually credit me the Annual Membership Fee.

I am writing this in hopes you will be able to help me hold Chase accountable for not following the Federal guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.
Product: Credit reporting

I wanted to see my credit report before I went out and applied for an apartment. Upon requesting my information from the XXXX bureaus in Annual Credit Report and Credit Karma I could not get passed the verification stage. Apparently, the information I provided is wrong and I have a home loan from XX/XX/XXXX, a credit card from XX/XX/XXXX, and a debit card that is not the one I have in my wallet, which is the only debit card I have ever had and I got it in XX/XX/XXXX. I do recall losing my wallet in XX/XX/XXXX in the back of a truck that I have n't seen since that day. I replaced my I.D . the next day assuming that the guy could n't have done anything in a night, plus I was XXXX.