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

This is XXXX XXXX and I am submitting this CFPB complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I am referring to the following accounts : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$560.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$99.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that the account I had with XXXX XXXX Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX  XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation.

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS LETTER TO ALL THE HARD INQUIRIES ON MY CREDIT AND NOTHING HAS HAPPENED FOR OVER THE LAST XXXX WEEKS OF NO RESPONSES. 

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : TRANSUNION, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Debt collection

Balance showing on my report in the amount of {$59.00} There has been no response to any of my letters to Online Collections that is being reported on XX/XX/XXXXand also XX/XX/XXXX about this account. Letter was sent XX/XX/XXXX, and followed up on XX/XX/XXXX which has been well over the 30 days to respond to my dispute. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Date opened on XX/XX/XXXX shows XX/XX/XXXX but XX/XX/XXXX and XX/XX/XXXXshow XX/XX/XXXX. I do not recognize this account and have not gotten anything to validate this account is even mine.
Product: Vehicle loan or lease

In XXXX of XXXX  I purchased a car from XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX The car was a XXXX XXXX XXXX with approximately 40k miles on it. The transmission went out in the car while it was still under warranty. I was given a loaner car for 30 days and they neglected to fix the transmission and kept giving me the run around about the car. I was paying my car note to credit acceptance on time until XXXX even though I was without a vehicle. XXXX  XXXX XXXX was shut down, I still had no car but was still expected to pay the note to credit acceptance. My car was not repossessed This is very damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX/XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Product: Debt collection

Student loan provider Navient is having active accounts expire for no reason. They cant tell me why and can only give me the timestamp when it happened. This is an IT/software issue and their solution to creating a new account is not addressing the root problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to open a account. I have disputed this to be blocked from my credit report. It is not being blocked so please block this immediately. FTC fraud report and police report included.
Product: Credit card or prepaid card

On XX/XX/2021, I submitted an application for a Hilton Honors American Express XXXX XXXX ( ref. no. XXXX ). Several days later, I received a letter via USPS from American Express informing me they wanted to verify my total income, and as such I was to sign and return IRS 4605-C so they could obtain my tax transcript. That same day, I completed the form and returned it to AmEx using their upload portal. 

A week later, I checked the status of my application on AmEx 's website and saw my application was still in processing. I called AmEx to inquire if the documents were received, and I was told they were and to check back a few days later for an update. When I checked on XX/XX/XXXX, I saw the application was still in process so I decided to contact AmEx. 

When I contacted AmEx on XX/XX/2021 at XXXX EDT, the representative told me my application was declined. I told her that the website says it's still processing, and she asked me to hold so she could check further with he back office operations. After holding for a few minutes, she told me they were processing my application as I was on the phone. I remained on hold another 10 minutes or so, at which point the representative returned and told me my application was denied because the income I stated on my application was not consistent with the income revealed from IRS transcripts. 

On the income disclosure part of American Express ' application, it specifically states, " include all income available to you. '' Prior to completing the application, I contacted AmEx New Accounts and asked what this meant, and I was told that I should reveal all income that is regularly deposited into my bank account or joint bank account. As such, I stated my income to be {$120000.00} per year. My personal income portion of the {$120000.00} is approximately {$28000.00}, and the remainder is my husband 's income which is deposited into our JOINT checking account. When I submitted the 4506-C to AmEx, I included copies of bank statements reflecting this additional income. 

AmEx 's reasoning for declining my application is not justified considering I did exactly what was asked and answered the income disclosure question honestly and transparently.
Product: Credit card or prepaid card

I received my Capital One in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. I have been a proud customer with them for years ; however, in XX/XX/XXXX due to XXXX XXXX, XXXX XXXX   and family obligations I was left in an unfavorable position financially which caused me to have a late payment on my Capital One account. 

I have sent Capital One goodwill letters on multiple occasions ( two Goodwill letters to the CEO ( XXXX XXXX, XX/XX/XXXX ) and multiple phone conversations with XXXX of Capital One Executive Office ( XX/XX/XXXX ) ) to request for assistance and understanding of my situation. I have also offered to send proof of medical history during my hardship. They have denied my requests and they are not willing to negotiate, change my status or assist me in any form. 

I have taken numerous steps to ensure that I am a current and abiding customer. I have downloaded the Capital One App and I received notifications to my phone & email to ensure that I am most current on my Capital One payments - and I have been. Even with these successful changes and a spectacular payment history since, they have not been willing to consider my request to remove this single late payment from my credit reporting history.
Product: Checking or savings account

Dear CFPB I hope this letter finds you well. I am writing to urgently address a concerning issue regarding my Pay fare international  debit card and the missing payment of {$830.00}, which has not been credited to my account. 

I have been a loyal user of the Payfare internationalXXXX XXXX  debit card for approximately Six months now and have had a generally positive experience. However, since I recently started a new job and added the debit card as a payout method, I have encountered significant difficulties in receiving a payment. According to the agreed upon terms, the funds should be deposited into my account every Thursday at XXXX XXXX. Unfortunately, I have not received a payment this week. 

To resolve this matter, I have reached out to XXXX XXXX XXXX multiple times, ive reached out since Thursday XX/XX/2023 explaining the situation and expressing my concerns. However, each time I have contacted them, I have been met with the response to wait patiently, as they do not see any issues on their end. Conversely, my employer has assured me that the payment has been successfully processed and should have been credited to my account. 

I must express my deep frustration with Payfare international for not taking my concern seriously and not providing a satisfactory resolution. As a hardworking individual who relies on these payments to meet financial obligations, this situation has caused significant distress and inconvenience. 

I kindly request immediate action from your end to investigate this matter thoroughly and provide a prompt resolution. The missing payment of {$830.00} has caused substantial financial strain, and I expect it to be rectified without any further delays. 

I appreciate your prompt attention to this issue and expect a response within the next business day. Please reach out to me at XXXX or XXXX to inform me of the actions taken Thank you for your understanding and cooperation. I trust that PayFare international will prioritize this matter and resolve it in a timely manner. 

Yours sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated by Experian as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Product: Credit card

On XXXX XXXX  a customer of AMEX sent me pages 1,3, and 4 of my monthly statement ( XXXX in total ) with a note she had received my pages along with her monthly statement. I do not know this woman and I have the letter and envelope in my possession. The statement contained my personal information, account information, balance and other private information. On XXXX I called an filed a complaint with Amex # XXXX. I advised them what I had received from their other customer and asked them to explain what happened and where was the remaining pages were. I was told they would look into it and get back to me. On XX/XX/ I called again advised them I had not heard or received anything. I then was told that no further action was needed. It was resolved and closed XX/XX/ the day I filed the complaint as they found it was a " non-AMEX '' issue. I asked how this was possible. And they opened another complaint # XXXX. I was also given # XXXX as they were crediting my account {$100.00} for a billing inquiry. I advised I didn't want their {$100.00}. I wanted to know why my personal information was send to a woman in XXXX, NY when I live in XXXX, NY and where the remaindered of my bill went. I have never been given an explanation. I was never offered a new card. They just swept the entire thing under the carpet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX   also known as XXXX to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.
Product: Credit card

I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action.
Product: Mortgage

JPMorgan Chase holds the mortgage on my property, it is being serviced by one of their subcontractors, XXXX XXXX XXXX. I have owned many properties and have done business with JPM for years, and, I have never worked with a company worse than XXXX. Their website is not only outdated and cumbersome, but when trying to login to my account, it simply has a processing message and does not load. I have called several times and opened a support ticket, but received no response. I have tried to set up automatic payments, but they will not do it over the phone, so, with no working web account, and no phone ability, it is impossible. When paying monthly using their automatic payment line, they will only process the payment on the day you call, so, either pay in advance pointlessly, or be sure to pay on the day it is due. This is so bad, it goes beyond incompetence, I believe it is a fraud to gain more late payment charges and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, # # XXXX has violated my rights. 

15 U.S.C 1681 D ( 2 ) A ( 1 ) states reports containing information solely as to transactions or experiences between the consumer and the person making the report. Personal transactions should not be apart of the consumer report to non affiliated 3rd party companies. Late payments should not and do not exist on your consumer report.

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.
Product: Checking or savings account

I received an email on XX/XX/19 at XXXX XXXX from Synchrony bank that " a trial deposit has been successfully made to your ''. I received a second email at XXXX that " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER ''. I attempted to log into my account online but was unable to access the log in screen. I attempted to call several phone numbers, none of which are work expect one that sent me to the Lowes credit cards. That operator tried to send me back to the numbers that I have been calling that do not work. This is a high yield savings account that I do not use at all. there should be no activity. I now received a third email from them at XXXX stating " action required on your application '' the email has no content and I did not apply for anything. there is something going on and the bank is unreachable via phone or website for nearly an hour with unauthorized activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent findings that the CFPD has discovered against Navy Federal Credit Union for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe that these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to all three Credit Bureaus and the XXXX XXXX and never received any documentation with Validation that this fraudulent credit was mine.
Product: Money transfer, virtual currency, or money service

A payment of approximately {$20000.00} is due me from sale of shares in XXXX XXXX XXXX XXXX XXXX XXXX. Upon inquiry, I was informed that a check was mailed on XXXX XXXXXXXX XXXX No check has arrived, and there is every reason to believe that no check was mailed. In particular, this is the third occurrence of the same problem, such having occurred over payments for sale of shares in XXXX and in XXXX XXXX and XXXX. In each case, only after months of complaint and disinformation was payment received, by wire transfer in one case. 
A second inquiry in the present case was not answered.
Product: Credit card or prepaid card

this company continues to harrass me by attempting to collect a debt they do not own and will not accept payment on.
Product: Credit reporting or other personal consumer reports

I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the beginning of the month of XX/XX/2022 I paid off my student loan in full ( DPT EDXXXX XXXX XXXX ( XXXX  ) acct # XXXX ). I contacted Transunion in XXXX notifying them that the loan was closed and paid in full and should be reflecting a XXXX balance, this was along with other issues on my report as well. I followed up in XXXX by mail ( tracking # XXXX ). They have yet to correct the issue and will not disclose what method they are using to verify and their method of investigation. The continue to reply with information is correct and has been verified, even though the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
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

XXXX advised to file an FTC report over fraudulent XXXX repetitive deliberate and harmful inquires, mutiple inquires on the same day by capital one, XXXX, XXXX, and XXXX  that i did not authorize, request, agree to, or consent. After i file my ftc report, i am to upload my ftc report in to my XXXX, XXXX XXXX, and XXXX XXXX, soon after each of the bureaus will correct by deleting the XXXX inquires and restoring my credit score to XXXX that I earned by paying my credit cards and auto on time as agreed.