23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed complaint XXXX against Synchrony Bank Lowes account for undue fees which they responded they would refund but have not. Checked my credit report today and they are showing a new charge of {$2.00} which is their minimum interest fee. I had called when my balance was zero asking they CLOSE THIS ACCOUNT and stop the paper statements which they also charge for. I checked my credit report today and they are showing a {$2.00} balance. Do they think they can just charge me {$2.00} a month forever under the above circumstances? This is thievery! I want this new {$2.00} fee removed and the refund they promised and the account CLOSED meaning no more fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX  For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX representative on behalf of XXXX stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX is in progress so I have requested already to when and if possible asked which advised to wait with email apps calls right now. 

But I have some progress with XXXX XXXX however if they need either to call or have verification if no other way equifax needs to update the email and maybe phone if they take the time. I had issues with email and phone so no it was okay when I began but went two months unable to use the number so I did include it with the original request for w2 and current utility as identification but it is a request that they if they bother to contact me email and phone may not work so focusing on equifax since I had to use a compatible phone to recover the number. So heavy duty talk text no browser XXXX not the better of the XXXX. 
XXXX office XXXX advised no app email in person or mail. So if what appears on the original attempt for equifax please note to call I will get voicemail only as monitored by carrier they read. However please they need to use the alternate email if possible and number I sent both do go to voicemail but if you need location I may need to use the alternate number because banks do not like the specific information and have no way on my own to update upgrade or fix what is here and now. XXXX XXXX has present current email I believe and phone number. However of the XXXX bureaus I have to repeat this. XXXX best as possible. Banks have me do info as well. XXXX was primary for me but unless the equifax or XXXX XXXX I am unable to do much so XXXX XXXX may be partially on way otherwise not a complaint but please equifax it was originally possible and likely still could use number but low vision trying to make sure you maybe use the alternate email and number it would be easier on me. XXXX more of a location and call out only at least right now XX/XX/2024 if not sure please I tried to call back but very difficult getting any one. Actually just is making it more difficult for me. XXXX may be more secure for calls but on browser sms please minimally use the other email
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

For the past 2 months I have been sending the proof of the validation letter for the debt that they are collecting from me that I never owned to that collection agency. The letters that I have been receiving from PORTAFOLIO RECOVERY are not proof of any debt, they haven't sent me a copy of the original agreement bearing signature or any copies of the original paperwork regarding the account.
Product: Mortgage

Service Transferred and Mortgage Payment not being applied. Calling daily harassing about missed payment which was made to previous servicer. Copy of bank bill pay to confirm payment has been provided but Servicer refuses to accept as proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following  bureaus. XXXX, XXXX  and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX ) XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXXt, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Account Number : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Vehicle loan or lease

Have a car financed through westlake financial that become due on XXXX XXXX from that date I received seven phone calls from then to XXXX none of which left a voicemail any time. Never been late on a payment in almost XXXX years and when I asked why I got 7 phone calls that were only few hours apart the person I spoke to claimed there was no way got called that many times basically calling me a liar. Not sure if there is no communication within this company but XXXX phone call a day is plenty specially if dont leave message to why you are calling
Product: Debt collection

This debt was reported by XXXX in XXXX in which I lived there as a student XX/XX/XXXX. XXXX has never notified me of any debt whatsoever in any way they have never attempted to contact me. Rent Recovery Solutions has never contacted me in any way I had no idea I had any account in collections yet after failing to make any type of contact they reported it to my credit which negatively affected my score by XXXX points and I have no representative of the company to talk to about this and have no information on this debt at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Product: Credit card or prepaid card

I received an American Express gift card for {$50.00} on XXXX XX/XX/2021. I used the card to purchase {$25.00} in gas on XXXX XX/XX/2021. On XXXX XXXX I went to the same gas station using the same process to purchase another {$25.00} in gas. The clerk informed me that the transaction was refused because I didn't have sufficient balance for the {$25.00}. I requested {$20.00} in fuel instead of the {$25.00}, so there should be {$5.00} remaining balance. I looked up the account online on XXXX XX/XX/2021 and the balance shows a negative {$20.00}, as all three transactions are showing completed ; {$25.00}, {$25.00} and {$20.00}. This seems highly unlikely as I only received {$45.00} in benefits and American Express would go out of business if their systems allowed negative balances on prepaid gift cards. I called into the Amex call center and spoke with two different agents, both of whom told me that all three transactions were good and that there was no way to dispute the {$25.00} charge. In my view, Amex is doing everything they can to make it difficult to receive the full value of prepaid gift cards. This is known as " breakage '' and it appears the systems are designed to maximize the breakage at the expense of the consumer.
Product: Checking or savings account

In XXXX of XXXX my mother passed away, In XX/XX/XXXX the remainder of my mother 's life insurance policy from XXXX XXXX was deposited into my CHIME account. As I was made the beneficiary of the life insurance policy I was not married so it was under my maiden name and deposited into my CHIME account under my maiden name. My CHIME account is under my married name but the check still was deposited. Life Insurance policy was deposited in my maiden name. It was then deposited into my bank account. I have had no problems or issues with cash deposits or withdrawals. All of sudden on XX/XX/XXXX I received an email from CHIME stating that my account has been suspended. CHIME has not allowed me access to close to {$20000.00} in my funds which I am entitled to. I have emailed to XXXX ; XXXX ; XXXX ; several supporting documents such as My Drivers License, Birth Certificate , Life Insurance policy showing policy and benefit amount, document showing my name as the Beneficiary and that the funds would be deposited into my CHIME account. 

I have contacted CHIME several times and have spoken to numerous supervisors which each call is all documented in their system and is all on a recorded call. Each time I speak to a representative they are not able to help in no regard and have to transfer me to a Supervisor, once a supervisor gets on the phone and ask me to verify the exact same information the previous representative has verified, Im still able to get no assistance. Each and every supervisor has told me that they will be escalating the ticket to a specialist, with theyre BACK OFFICE TEAM. Many times, I have been told that it would take 24 hours, dating back to XX/XX/XXXX ; then I will be told 48 hours, which 48 hours has surpassed, still no resolve. No representative or supervisor has shown any level of compassion, urgency, or desire to get this matter resolved. No one has even responded to the several emails that I've sent out to the email addresses above ; no one has been able to inform us when the issue would be resolved, no one has been able to tell us even the hours of operation at the headquarters located in XXXX XXXX in which I had to research via the internet. Ive been emailing CHIME beginning on XX/XX/XXXX as it relates to this matter in which a representative told me then if it didnt come from Chime.com dont respond, she also stated verbatim that Chime Outreach was not in her domain. Throughout all, this has caused me tremendous mental anguish and I have been in emotional distress. Any additional or supporting documentation that I may not present I have accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX ARS Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXX, TN, XXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using XXXX XXXX Compliance Codes for handling identity theft cases : XB Disputed information provided by the consumer ZV Fraudulent information ; action required for verification DA Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry. 
2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report. 

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by XXXX XXXX. 

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX XX/XX/XXXXand Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXXXX/XX/XXXXand Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.
Product: Student loan

I applied for a program that im more than qualified for to lower my monthly payments. XXXX XXXX in XXXX and current have bills that is more than I make. I called Sallie Mae and spoke to a women who gave me XXXX options I chose a option to lower my monthly payment and interest. She took a {$50.00} payment and setup XXXX additional payment arrangement. A week later im getting emailed by these XXXX XXXX again saying im denied. I want the plan I applied for. XXXX unemployed due to XXXX and will not be making any payments on this account.
Product: Debt collection

SWC GROUP keeps calling multiple times a day with different numbers bypassing blocking attempts. I use a blocking app and there using different numbers to around it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EXPERIAN with no successful resolution. There was definitely an error on their part. I've disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX