23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been charged {$2.00} every statement as Finance charges. These charges have been appearing on my statement from XXXX of 2015. I called the company SYNCHRONY BANK in XXXX and all the extra changes were removed and they accepted their mistake and promised that this will not happen again. I called the SYNCHRONY BANK again in XXXX and they accepted their mistake and reverted the charges in XXXX. I have been harassed as these charges have started appearing again. It takes lots of time to to call the company have they promise that this will not happen again and it appears on my monthly statement again and again. I have called then so many time and every time SYNCHRONY BANK promise that it will be taken care and will not appear. I am frustrated as this takes so much time and I feel frustrated and harassed by SYNCHRONY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, XXXX and Equifax. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, XXXX request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Product: Consumer Loan

I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in  charge of Enforcement. Equifax received the Identity Theft and Fraud Report via Certified Mail # XXXX in which certified was signed into Equifax possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Equifax is in violation of FCRA Section 605B ( A ) for the failure to block and suppress two of the Fraudulent Accounts From XXXX XXXX. Equifax is also in violation of FCRA Section 611 ( A ) ( 5 ) ( B ) ( ii ) for reinserting 2 deleted fraudulent accounts back onto my credit report without notifying me in writing within 5 business days prior to inserting deleted accounts that was deleted in XXXX. ( ie : report confirmation # XXXX ) Legal action will be filed in a Court of Law. Equifax must delete the 2 fraudulent XXXX XXXX accounts upon immediately receiving this complaint or Equifaxs Registered Agent will be served with Legal Process in 3 days from now
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX request information for debt validation of the original documentation to prove this is my debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), collection agencies are prohibited from reporting debt information on a consumers credit report if they have acquired the debt from the original creditor and have not provided sufficient verification of the debt to both the consumer and the credit reporting agencies.

Specifically, 15 U.S.C. 1692e of the FDCPA states that a debt collector must not make false representations regarding the status of a debt, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA indicates that information provided to a credit reporting agency must be accurate and complete. Since this debt was sold or transferred from the original creditor to your agency, and without proper verification, you are prohibited from continuing to report it on my credit file.
Product: Debt collection

attached is the letter from XXXX XXXX XXXX XXXX stating from manager that she would delete the account XXXX XXXX XXXX from my XXXX Experian and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all XXXX, XXXX and Experian reports. thank u.
Product: Credit card

This was a fraudulent account someone accessed my social security information and applied for this account. I received a denial letter from Chase and knew immediately I did not apply for this account. I called them and told them in XX/XX/2023. I was told it would be marked as fraud. I ran my credit report XX/XX/2023 and this is still showing. I spent another 35 minutes on the phone with Chase reporting this and was told again it would be closed and marked as fraud. It still has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

there were several inquiries in my credit on XX/XX/XXXX regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

I pulled my credit report per lender to check and see if TRANSUNION has properly blocked the fraudulent accounts on my report and they have not because Transition has me BLOCKED from receiving a new report weekly! 

After filing a fraudulent dispute for several accounts in XXXX, I mailed in police reports, FBI report and FCRA 605B ( 15 U.S.C. 1681c-2 ) form ( SEE CERTIFIED RECEIPT ATTACHED ).

They have yet to block the information while under investigation within 4 business days. When I called them on yesterday, XX/XX/year>, the special handling team stated that I did not qualify, but under the law it does NOT SAY A VICTIM HAS TO QUALIFY WHEN IDENTITY THEFT is involved. 
It states that if a CRA declines, that the consumer has to be notified PROMPTLY and that action was also not taken as well. I received no notices within the last 3 weeks from TRANSUNION.

The IRS, SSA and other reporting agencies politely did their job but TRANSUNION has failed.
Product: Credit reporting or other personal consumer reports

disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Prepaid card

I loaded XXXX onto my cash app account. 
I was never able to recover them call Cash app to get assistance to get my money back I even called my bank
Product: Money transfer, virtual currency, or money service

am trying to transfer my funds from an existing XXXX account to a new one and they have given me 2 different dates that they issued checks yet I have not received either one of them. My money has been gone from their account since XX/XX/XXXX. I do not have the funds, can not use it to pay medical bills and am losing interest on this amount. Every time I contact them the check and time I will receive it changes,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.
Product: Credit card or prepaid card

On XX/XX/2020 I get a text message from Netspend all access saying to call before I can use my card so I called about 1 hour later I get an email saying my card was reported lost or stolen I called again for the rep to keep telling me I transferred the money I would be play with that account my sons ssi check deposits there and my federal and state refund goes there I never reported nothing lost or stolen NEVER so now Im waiting my rent is due and We were on our way to celebrate my sons XXXX birthday it is the worst
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1692C you have violated my rights by unlawful communications please remove this collection off of my credit report thank you. 

Accounts are- ALL XXXX ACCOUNTS, ALL XXXX ACCOUNTS XXXX XXXX XXXX # XXXX. 

I Have an FTC Document Reference # XXXX. These Accounts Are A part of an Identity Theft Breach and My Information Was Compromised, PLEASE REMOVE THESE ACCOUNTS IMMEDIATLEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.
Product: Checking or savings account

This complaint is to establish a contemporaneous record and to establish that still i am locked out of my account and unable to comply with the 90 day dispute federal law in which to file timely disputes. 

I have not received a copy of my statements by mail. 

This complaint shall serve as my demand to file disputed charges for all of the transactions that happened from XXXX, 2022 to present. 

This confirms that I wish to file a dispute for all of the transactions on my Credit Karma Money XXXX Account XXXX. I which also that this time evidence would be provided if the dispute is or is not in error.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

someone used my information that resulted in this account being opened from fraud ... this company is reporting it when i have never had any services or authorized any accounts for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon discovering a ( Low ) credit Score of about ( XXXX ), on my ( XXXX ) Credit Card, I immediately, called XXXX of this serious Mistake. The operator informed me, that he could ( Not ) help me ; and I needed to mail a Written Letter of ( Dispute ) to ( all ) ( 3 ) Credit Bureau 's ; ( XXXX, Equifax XXXX XXXX ). The ( Letters ) were sent on XX/XX/2023. A few days later, I received only ( 1 ) response from XXXX, the other ( s ) ( Failed ) to properly respond back. 

In my Dispute Complaint ( s ), I clearly pointed out, that I have ( Never ) been Late, with any of, my former ( Mortgage ) Payments, Loan # XXXX. Our Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. XXXX ( Claims ) The Bank claims I was ( Late ) in this ( Last ) XXXX of XXXX, for amount of {$1700.00} Dollars & stated I was ( Late ) this ( XXXX XX/XX/2023 ....? Even though my Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Try & explain that one ....? 

This is totally ( False ), & clearly the work of Incompetence by the XXXX of ( XXXX XXXX XXXX  ). My ( Wifes ) mortgage Payments are Automatically deducted from her payroll, with XXXX XXXX ... ... ... ..! My present Credit Score is preventing me, from obtaining a ( Loan ) to get my ( Roof ) repaired, XXXX XXXX XXXX, is responsible for my Credit Score, being ( Lowered ) from ( XXXX ) to ( XXXX ) ) ... ....! I need this serious situation corrected & Re-State my Excellent Credit Score. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX E-Mail XXXX Tel # XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my XXXX XXXX and credit score due to this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, XXXX, XXXX, AND EXPERIAN CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I disputed all the below accounts with TransUnion with a telephone agent on XX/XX/XXXX. All these accounts were paid in full to a XXXX balance, which is the reason I disputed them. Within a week or two of the dispute TransUnion updated the accounts thereafter to reflect the XXXX balance. I have an on line account and membership with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and TransUnion. I was able to view on line all of the above platforms with the exception of TransUnion, that all these disputed accounts were updated to a XXXX balance on my TransUnion credit report. My Tranunion credit score on XX/XX/XXXX was XXXX. On XX/XX/XXXX I reviewed on line XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX and realized my XXXX score dropped XXXX points to XXXX due those same XXXX accounts with balances close to the credit limits, that caused a high utilization rate that affected my fico score.Those account balances were back reported back on my credit report with the same old balances from XXXX. I contacted TransUnion on XX/XX/XXXX to redispute those same accounts that all should show XXXX balance previous. I dont understand how TransUnion can can make these reporting issues that have affected me obtaining financial products with favorable terms for my personal life and for my business. All accounts were paid to XXXX XX/XX/XXXX, with the exception of XXXX Loan, which was paid in full on XX/XX/XXXX.Those accounts are active account XXXX XXXX XXXX {$1600.00} bal/ {$1800.00} credit limit, active account XXXX  XXXX {$960.00} bal/ $ {$1700.00} credit limit, active account XXXX  XXXX {$470.00} bal/ {$1700.00} credit limit, closed due to payment in full XXXX loan {$3000.00}, XXXX {$360.00} bal/prior closed account in XX/XX/XXXX. Recently this week I have applied for credit card products and business funding that I was denied due to TransUnion miss management and handling of my credit report. My business needs are held up now until this is resolved and my fico goes back up to the same XXXX or same excellence area it was in prior to this violation of the FCRA.