23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Prior to XX/XX/2016 I applied for a credit card and was approved. After losing my job I was unable to pay for the credit card. Being XXXX, with no job and unaware of how credit worked, the credit card was put into collections for {$600.00} on the date stated above. After learning more about credit I am now in the process of fixing my credit score. 

The reason I am reaching out to CFPD is because I have attempted to reach out to Midland Credit Management multiple times to settle the debt but have not been successful due to what that are saying is migration issues on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. XXXX mortgage bought my mortgage but my payment went to the old company. I was in constant contact with XXXX XXXX and even made a double payment as I waited for my payment to be returned from the old company. XXXX XXXX advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.
Product: Credit reporting

I have a XXXX account that was closed. I was XXXX of XXXX people on that account. I left that contract and the person on the account defaulted on the account. It shows in my credit report ( Equifax, XXXX and XXXX ) as an Open account. This account is closed and I paid the remaining balance out of Good Faith. They still report this on my credit report and did not remove this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX are still reporting XXXX XXXX account. As original creditor that I owe them. {$860.00}, when this account was sent to XXXX  XXXX XXXX XXXX. These XXXX credit reporting agencies. Are allowing fraudulent information to be seen by possible companies. For loans, credit cards, etc Per FCRA & FDRCA, original creditor cant report and outstanding balance due or past balance. In the amount more than XXXX. Accounts in collections cant report a past due balance or balance due either. Ive tried on several occasions. To contact XXXX XXXX about. Them reporting a balance above XXXX. Experian & XXXX reporting this account. Makes my debt amount higher. Than should be reported.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates of XX/XX/year> & XX/XX/year> the this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue in regards to Equifax reporting consumer credit transactions on my report. Equifax is in violation of XXXX XXXX XXXX ( d ) ( XXXX ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Original disputes in XXXX took place and XXXX financial services refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I was working at the XXXX XXXX XXXX XXXX XXXX in XXXX, Al ( XXXX ) and I owned a XXXX ( XXXX ) XXXX, and for some reason, my Insurance Policy was CANCELLED, in XXXX. As of today, XX/XX/XXXX, my Bank, the XXXX XXXX XXXX XXXX, has been allowing XXXX XXXX XXXX XXXX, to withdraw funds out of my Checking Account. Even though, XXXX has corrected this problem, this has been going on for THREE ( 3 ) YEARS NOW!!! This is causing my Credit Score to bottom out, creating other Financial Problems.
Product: Checking or savings account

On XX/XX/XXXX I received a text message notification saying that my phone number had been updated to XXXX my phone number is XXXX I did not authorize this update!!! Along with that notification I received and email stating that there was an unusual login in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I tried to access the chime app from my phone but it was restricted so I was unable to see anything so thats when I called chime customer service and they were unable to pull up my account because whomever hacked my account had went in and changed some of my personal information ( phone number, email address etc. ) so they informed me that I needed to verify my identity In order to access my account. So of course I was able to verify my identity and when I was finally able to access the chime app I noticed that all my funds had been stolen ( XXXX XXXX  ) these transactions were unauthorized and were made after my account got hacked .I went ahead and filed a dispute on XXXX XXXX I received an email stating that no error was found so I called them back and forwarded screenshots of the notifications I had received because obviously if a proper investigation was done you could see that it was not me that made those transactionsso they reopened the dispute promising to credit my account by XX/XX/XXXX so today on XX/XX/XXXX I received a email denying my dispute again and I feel like no proper investigation is being done because if it was based on the account history you can see that my account was hacked and those transactions were unauthorized..I TRUSTED CHIME BANK WITH MY MONEY AND THEY HAVE FAILED ME I THINK I DESERVE A PROPER INVESTIGATION XXXX XXXX CREDITED BACK BECAUSE THEY FAILED TO PROTECT MY MONEY!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed.

3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - 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 XX/XX/XXXX Additionally, there is a fraudulent inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke to customer service at XXXX XXXX about the alleged late payment reported on my consumer report on XX/XX/XXXX. XXXX XXXX failed to verify the account number for the referenced account. They also mentioned that the account they do have on file shows no late payments. XXXX, XXXX, and Equifax is reporting false information and continues to report updated and verified accurate information. This isnt the first time that XXXX, XXXX, and Equifax have violated my rights protected be the FCRA guidelines. 

On XX/XX/XXXX I spoke with customer service at XXXX XXXX I informed them of their violations in reporting late payments without my written permission and about their responsibility to notify consumers 21days before furnishing any information to the credit reporting agencies. I asked why and how they verified information to XXXX, XXXX, and Equifax. They replied saying they have not reported any information to XXXX, XXXX, and Equifax. 

XXXX, XXXX, and Equifax were all notified about this dispute on XX/XX/XXXX and failed to respond within the 30 days regulated by the FCRA. 

I demand immediate remedy for these infractions, no extensions beyond the 15 days set forth by the consumer finance protection bureau will be given or tolerated.
Product: Debt collection

AFFIIRM has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) XXXX AFFIRM is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with EQIFAX I tried to obtain an increase in my credit card on Friday, XX/XX/XXXX, with XXXX XXXX XXXX. They told me that there was a problem with EQUIFAX, so, I called them. First I got someone in some out of the US and could not understand that person, then they transferred me to a person who was suppose to be in the US named XXXX  # XXXX, who asked me some questions so he could open my account-2 things  happened then one was I could not understand him and secondly the answers to the questions were so outdated I never could have answered them being they were not current. An example is my employer in roughly XXXX and now i am retired. So, how would I know they were using data that old? So, after that I spoke to a XXXX  # XXXX, then XXXX # XXXX and a XXXX who would not give out her number-too good for that!! None of them could help [ resolve this situation over the phone!! I tried to file a dispute on line and their website would not allow for this dispute. 
This organization is a JOKE!! and they control MY CREDIT? 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Repeatedly, I have requested, in writing and electronically, both my XXXX and XXXX credit reports directly via XXXX Mail as well as online via the XXXX website and been denied access to my own reports. I have already contacted XXXX and XXXX to place a freeze on my credit files due to extensive identity theft and fraudulent activity discovered previously on my XXXX, XXXX, XXXX and several other credit reports. I called XXXX directly via telephone and spoke directly with their identity XXXX department and XXXX the situation in detail and that the issue with any conflicting personal information in verifying my identity is likely due to the fact that I am a victim of ongoing identity theft. The representative who informed me that they were having difficulty confirming my identity previously had instructed me to upload sensitive personal identification documents to XXXX in real time, which I did and that person confirmed that they were able to successfully verify my identity and would manually override the system defect and mail me a copy of my XXXX and XXXX credit reports. I uploaded both sides of my drivers license, social security card, a bank statement and my most recent electric bill. XXXX days later, I received yet another letter from XXXX stating that my identity could not be verified and my report requests were denied. XXXX months have elapsed and still nothing has been sent to me since that telephone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed Bank of America account that shows as derogatory. The results were the bank said its accurate. I received a letter from Bank of America stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was on a 30 minute phone call with my wife during my lunch hour and during that phone call I received 7 calls from Great Lakes ( calling from XXXX ). While typing this just received call number XXXX.
Product: Debt collection

I made a loan with MOBILOANS LLC and it was collected in 2019 by XXXX XXXX  And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???
Product: Vehicle loan or lease

On XX/XX/year> I entered into a contract with Carvana LLC for a car loan. Upon investigation of the contract the APR, annual percentage rate has been overstated by 4.676 % this violates the Truth In Lending Act a.k.a. TILA included in this documentation is evidence of fraud. Fraud vitiates any contract.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - WC / KOALAFI XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account WC / KOALAFI XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account WC / KOALAFI XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account WC / KOALAFI XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account WC / KOALAFI XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus XXXX and Transunion responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this report.
Product: Prepaid card

I bought a XXXX gift card on XX/XX/XXXX from XXXX. I went to make a purchase with the giftcard and it did not work. I immediately called XXXX and reported the problem. Less than XXXX hours after purchasing the card. It has no CVV code on it and the mag strip did not work. They told me that it would take 30 days to receive a new card which is absolutely ridiculous that it would take that long. I called on XX/XX/XXXX for an update and they stated they needed documents that i was never notified that they needed. I immediately sent the documents in. Picture of front and back of card and picture of the receipt of purchase. I then tracked the problem and called the next day to confirm they received the documents. I called again on XX/XX/XXXX to get an update and they stated i had to wait 30 days from receipt of documents that they never requested and I had to call to find out about. I was told they were escalating this issue and that a card would be sent on XX/XX/XXXX. I tracked the issue online on XX/XX/XXXX and it stated it was still under review. I called them immediately spoke to multiple different people and positions. They stated i have to wait another XXXX hours to get a decision this has all taken well over XXXX  days and I can not get them to send me the new card. And it is not a small amount it's XXXX dollars.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for an Amazon credit card serviced by Synchrony Bank many years ago. 

At the time of application, Synchrony Bank, without any clear indication signs up the customers for a substantial amount of " monthly protection fee '' which is listed as " XXXX XXXX XXXX XXXX XXXX XXXX '' on the statement for the amount of {$74.00}. If you accept to apply for the card, you're automatically signed up for this service. This is extremely misleading and no other financial institution forces such devious optional service. 

I called Synchrony Bank last year, and they credited only 8 months of fees, and I still have nearly 3 years of fees that have not been returned. Furthermore, I have called and left multiple messages requesting a call back from a " supervisor or a manager '', but there have been no callbacks. I only received a letter from them stating that fees can't be reversed. Additionally, I provided the bank with my current address at the time of the application, however, the bank automatically associated an incorrect address to my application, leading to all mail going to an incorrect address. 

All charges arising from my personal use of the card have been paid off. My only remaining balance is the sum of all these fees that have been charged to my account. 
My remaining balance as of XXXX is {$3000.00}. I would like to mention that the company has been charging me interest monthly for all these " unpaid '' fees.
Product: Mortgage

XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reporting for my XX/XX/year> payment on my account ( Account # XXXX ). My payment was made on XX/XX/year> at XXXX PM, and I received confirmation ( Payment Confirmation # XXXX ) for this transaction.However, I was informed that my payment was not posted until XX/XX/year>, resulting in my payment being reported as 30 days late to the credit bureaus. This discrepancy has significantly impacted my credit score, and I am currently in the process of purchasing a home. As this is an urgent matter, I respectfully request that the payment be applied to my account with the correct effective date of XXXX have contacted your customer service team on multiple occasions, including discussions with representatives XXXX, XXXX, and XXXX, and I was informed that no action could be taken due to the delay in posting. However, I believe that my payment was submitted on time, and this issue is a result of a delay on your end.Please review the payment records and make the necessary adjustments to my account. I would greatly appreciate your prompt attention to this matter, as it is critical to my credit standing and the progress of my home purchase.Thank you for your time and assistance. I look forward to your swift resolution. 

I requested a supervisor multiple times and they refused to place one on the call and informed I would be contacted back by a supervisor within 24hrs and Im still waiting for that call back.