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

Ive tried to remove these inquiries many times over a month ago and still there. Please help remove these items as soon as someone can
Product: Debt collection

I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The company not responsive to my concerns. See response attached hereto for complete details.
Product: Checking or savings account

I have lost my wallet and someone use my debit card on their XXXX on XX/XX/XXXX and XXXX totaling XXXX. I have call chime bank to file a dispute 16 time and all has been deny. I have send them my police report and my XXXX  statement which clearly there was no transaction on my XXXX  for XX/XX/XXXX and XXXX but chime still deny it when I clearly have proof and evidence. Now chime wont even open a rubuttal for my case saying they need new documentation but I mean how when they dont even look at my documentation I send them. The documentation I send has all the proof. Chime bank just wont investigate and will just deny everyone claim and are so rude to their customers hanging up on me all the time. When I send in my documents even the dispute supervisor see my documents and say I am right I have proof that I did not made those transactions on my behalf but the dispute team still deny it 16 time. Chime wont bother helping their customer get their money back. This is ridiculous when I have proof n documentation. Chime need to be close down for not caring for their customers.
Product: Student loan

In 2022, i filed XXXX XXXX XXXX Student loans are generally not discharged, 99 % of the time. There are expections and its up to the court. In this case after my attorney argued that i should be permitted a discharge on all loans, the federal government actually stipulated in a mutually agreed resolution that I qualify for the discharge and the debt is gone. The ruling was final early XX/XX/XXXX and yet im still dealing with both fasfa and the current collector whoever the XXXX that is today might have changed twice, im still trying to get acknowledgment and the relief that the federal government agreed and that a us bankruptcy court judge ordered nearly 2 years ago. And everyday my credit and suffered because of this everyday i deal with harrying collector calls everyday i deal with this and im done be polite about. It its not fixed, and i know im heated and you have done nothing i mean no ill temper towards you, im just going to contact the attorney who got it discharged and hope that he can help based on some reduced fee or hopefully contingency agreement. Because the amount of economic damage and emotional stress this has caused has been immeasurable. But thats what courts and attorneys do, and im sure they will figure out a number. I filed a complaint almost 3 months ago with fasfa and have to hear back, I provided them copies of the court ordered dismissal and the fed and my stipulated agreement and settlement, i gave them all this. I should not have to do this, i but ok, theyre dragging their feet, i will do it. Still nothing. Not even a response to my complaint let alone any movement on the subtstanive matter of clearing my name, debt and credit. 
Please help NOTE : Please send this info to both the federal student aid AND the current servicer Default Resolution GroupXXXX XXXX XXXX 

Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NCA reporting a debt against me that a ) never sent proper notice of my rights and b ) clearly depicts incorrect social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

The items accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I received an email indicating my Citi Business card was charged via XXXX for {$10.00} to XXXX XXXX. This was an unauthorized charge and was not made by me the account holder. I attempted to initiate " dispute charge '' via my Citi app but was not successful. The Citi system indicated it would have to transition from pending charge to posted in order to resolve. 

On XX/XX/XXXX I received a second email indicating my Citi card was charged for unauthorized purchases on XXXX for {$24.00}. Again I attempted to resolve this through the Citi app. I followed the app process to dispute the charges, close the account and issue a new card but over XXXX attempts were each met with a system error and it would not proceed. Several phone calls to Citi using Citi provided phone numbers on XX/XX/XXXX were unsuccessful. Each attempt was a wrong department that would not handle my issue to close the account, issue a new card and resolve the unauthorized charges. The only action I was successful in completing was locking my Citi credit card for all future use. 

I possess proof that through XXXX and XXXX that I did not make these charges and they were not involved with my existing merchant accounts. Attached XXXX and XXXX screenshots reflect the most recent purchases I have made. Neither show that i have authorized a charge mentioned above. 

Additional phone calls to Citi were made on XX/XX/XXXX using Citi provided phone numbers. Again, each provided phone number was to the incorrect department with the representative unable to help. Additional unsuccessful attempts were made using the Citi app to resolve this issue. Error messages were received in the app in addition to one message indicating I must call or write to speak with a representative.

This account has been open for over 25 years and will result in impacts to my credit score if it is to be fully closed due to Citi unable to resolve this issue.
Product: Consumer Loan

Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Reported Accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.
Product: Credit reporting or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX card for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, SXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX ( XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Around XXXX XXXX I opened a high yield savings account with Synchrony bank online. I have deposited XXXX in total and In the month since opening that account, I have opened another high yield savings account with another bank. I decided to start moving some of my money back to my south state checking account and my account was locked. their answer to " verify my account and Identity '' they needed to do a three party call with my bank ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX does not do third party call verifications so Synchrony has essentially locked me out of my money with little to no recourse it seems. They had no problem opening an account and taking my money but it seems as soon as I need it or want it, they try to fight me in regaining access. And not only did they lock my account, they did it without any notification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they XXXX XXXX XXXX XXXX my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XXXX XXXX to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX made a inquirie on XX/XX/19 which i never applied for credit. Please remove I have a credit alert and they should call me before anyone can run my credit.
Product: Debt collection

A company called ASG XXXX XXXX called me on XX/XX/18 at XXXX. A man named XXXX XXXX was the caller and said he was reaching out to me as I was involved in a legal matter and to call him asap as this is a timely matter. I believe this is a false claim for debt collection as I received no validation of debt via mail. I would like this company looked into for using fake tactics to collect false debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has tried to contact my mother and my daughter and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23
Product: Credit card

I disputed the entire outstanding balance of {$4500.00} American Express Hilton credit card back on XX/XX/year>, but the company kept rejecting the case. I called in Amex card company on XX/XX/XXXX, to dispute the charges, the representative said that they already closed my Amex credit card and declined the charges to protect me because it was unusual amount. But later on, the more higher amount charged again, so I disputed it. But the Amex kept rejecting my disputed transaction amount. Please concern
Product: Mortgage

I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).