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

There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}
Product: Credit card

I have 3 ongoing disputes with American Express. 
I slowed down spending on my AMEX card in order to keep better track of my account. Needless to say I was unpleasantly surprised when I realized despite spending around {$1300.00} on my most recent statement, my balance went up by almost {$6000.00}. 
I perused my recent statement and discovered : 1. A credit promised me in the amount of {$1600.00} is not reflected on my transaction. During the course of the dispute, it was charged and credited a few times. But it is missing my final credit. 
2. A charge I disputed in the amount of {$2200.00} was closed. I never received a letter stating this dispute was closed. I provided proof to AMEX but the airline claimed they offered me {$50.00} voucher to sit for 24 hours and I accepted and took the flight. As improbable as this sounds, AMEX not only believed but did not reach out to me for confirmation. I went in my Online PortaXXXX to look for a notice but did not see one pertaining to that particular dispute. I reached out to a representative in the chat and was provided a notice. Upon opening it, it did not correspond to this particular dispute. 
Aggravated, I reopened the dispute. The chat agent told me she had proof that the notice was emailed to me therefore my reopened dispute would not hold sway. 
I need a screenshot of their sent items with date and time stating this notice was sent to me iXXXX  of XXXX like they claim if they will not reopen my dispute. 
I am attaching the resolution letters even though they claimed it was sent the XXXX, as you can see only letter sent were in XXXX & XXXX.
Product: Credit reporting

I contacted XXXX back in XXXX 2016 about possibly getting services. The representative that was working with me asked me if I wanted to give my social security number to qualify for a non-deposit rate or if I wanted to pay a deposit to prevent a credit inquiry. I asked how much a deposit would be and I was told {$400.00} or just have a credit inquiry. I did n't want either and decided not to further pursue trying to get services. The representative then told me that it was nothing more they could do and we disconnected the phone line.
Product: Credit card or prepaid card

My Credit score is / has been in the 700s, and this company continues to charge a ridiculous rate of 27.24 %, which Charges me Approx {$22.00} a Month interest every month. 

I called the company several times and they keep saying, We do not have a promotion at this time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks XXXX XXXX XXXX. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : 1. Consistent Payments : I have always made my payments on time via online bill pay. 

2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

3. Bank System Changes : My bank, XXXX XXXX, informed me they recently updated their bill pay system, which may have compounded the issue. 

4. Documentation Submitted : I have provided a complete paper trail to XXXX XXXX, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

5. Credit Damage : My credit score, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed North Carolina general contractor and real estate broker. My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, Equifax, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at XXXX XXXX, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have submitted the request previously. Ally Financial was the loan company that financed the truck I purchased back in XXXX. I was very ill during the purchase and basically had no recollection of the purchase. I brought the truck back to the dealership because I could not afford what they had financed me for. Apparently they financed me for almost {$70000.00}. The sticker price of the truck was only {$56000.00}. They paid off my XXXX XXXX for {$13000.00} and tacked that onto my loan, financed me at 17.9 % and didn't give me any money for the XXXX. They in turn sold it for almost {$21000.00}. I would never agree to this kind of financing and do not know how I could get it being on XXXX. I am now reporting Ally Financial as they have given me a poor credit rating.
Product: Credit reporting or other personal consumer reports

I signed an income based repayment in 2013 as a struggling teacher. It was to be $ XXXX for 10 years resulting in paid off. It is only increasing showing differed and accruing interest! It has been well over 10 years! I want this XXXX balance and closed out as paid. Im struggling to get a home and car loan for my XXXX XXXX and myself because of the significantly high balance and differed status. I want it fixed immediately please I do not make enough as a XXXXXXXX and XXXX XXXX  to keep up. Ive struggled for over 10 years with this.
Product: Credit reporting or other personal consumer reports

All of the information that shows on studentaid.gov is up to date, balance {$0.00}. I do not have a XXXX account. 

Thank you
Product: Credit reporting or other personal consumer reports

i am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, i do not have a contract with portfolio recovery associates llc, they did not provide me with the original signed contract as requested!,
Product: Credit reporting or other personal consumer reports

I have sent numerous letters demanding validation for this alleged account. I have never done any business with this company but somehow, they are still managing to taint my credit consumer report with inaccurate information. 
Looking at my updated report from TRANSUNION CONSUMER SOLUTIONS, it shows that this account was updated on XX/XX/year> with a balance of {$120.00}. That falsely updates and manipulates the statute of limitations on this alleged account. YOUR NEGELIGENCE HAS VIOLATED MY FEDERALLY PROTECTED RIGHTS. 

This account was also deleted from my consumer report through XXXX. How can XXXX delete the alleged account but gets " verified '' through TRANSUNION CONSUMER SOLUTIONS? delete this alleged account immediately. 

I DEMAND DELETION!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$16000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XXXX XXXX, 2024 and XXXX XXXX, 2024 for XXXX XXXX; XXXX XXXX, 1924 for XXXX  and XXXX XXXX, 1924 for XXXX XXXX. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported several times about Identity theft to XXXX, even through CFPB. 
Few month ago I was assured that XXXX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Product: Debt collection

Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
Product: Credit reporting

Hi, Like many other posters on consumer affairs.com, I signed up for the one time credit report from Experian.com. I then got charged {$20.00} a month for the next 6 months and the same when I checked my husband 's credit. Granted, I should have cancelled and checked the fine print. However, I do n't recall seeing the {$20.00} a month when I signed up. I never received any email credit alerts and when I noticed the charge again on my credit card this month, I called the company. I explained that I understand the terms and did n't mean to sign up but I did. They can see that I did not use the service but would not bend on any refunds. What really sparked me to write the review and not just chalk it up to my failure to cancel or read small print is the robotic response I got. I called today XXXX/XXXX/2016 and the next month is for XXXX/XXXX/2016 and they would not even cancel that. I called 3 times and they repeated sorry it is nonrefundable like a robot. I expressed my anger and the fact that I would eat the {$240.00} which I have nothing to show for but they ca n't even bend on the last {$20.00} charge. They have no concern for customers at all. Most companies will bend a little. I would have been happy if they said yes, we will give you the {$20.00} back but sorry about the rest as it is non-refundable but there was no give at all. Only greedy greedy take. The worse part is I did n't receive anything for this money. Lucky, I can afford the loss, but I wonder how many other people get ripped off like this and a ca n't afford it. 
Please pass a law requiring more details in the fine print or monitor this greedy lack of customer focused company. Thanks.
Product: Checking or savings account

I opened a CD in Synchrony Bank on XX/XX/XXXX. I am notified on XX/XX/XXXX, that my account is opened without any paperwork. I did not sign any bank agreement or terms and conditions while opening my CD. I called Synchrony on XX/XX/XXXX, to close my CD. They said I would be liable for 180 days of full interest after 6 days of opening the CD. XX/XX/XXXX is 6 days after XX/XX/XXXX but they argued that the date the account is funded is XX/XX/XXXX which I am not aware of as I did not receive any paperwork or electronic email stating the same. I was on the call with Synchrony for about an hour discussing the resolution. I requested to refund my money with 7 day simple interest penalty but they said they would charge 180 days interest as a penalty. Synchrony Bank did not inform me about its terms and conditions either electronically or by email and I did not sign any terms and conditions while opening the CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
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.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/year> I attempted to transfer {$1000.00} from my chase XXXX bank account to my XXXX XXXX XXXX bank account. On Chase 's end the transaction appeared to be successful and the money was deducted from my bank account, however as of today I have not received the money in my XXXX XXXX XXXX account despite contacting Chase Bank and XXXX XXXX XXXX several times.
Product: Mortgage

Hello, my name is XXXX XXXX email address ; XXXX I have been trying to work with Navy Federal Credit Union for 5 months now on a refinance of my home. They originally gave me a closing date of XX/XX/XXXX even though this process was started in XX/XX/2021. That date has come and gone and I am still fighting to try to get this process completed. They have had to run my credit 3 times now because they have taken so long, which has dropped my credit score every time and made it difficult when I bought a new truck XXXX weeks ago. Today they tell me that I have to get my well retested yet again because the current test will expire before they can get a closing on the refinance. This is the worst experience I have ever had. Not to mention I have called the supervisor of my XXXX  XXXX and left messages for 3 months with no call backs. I feel this is just bad business and they do not care about the people anymore.
Product: Debt collection

( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.
Product: Money transfer, virtual currency, or money service

I requested XXXX money transfers from external bank account to my Bank of America checking account on XX/XX/XXXX, totaling {$2000.00}, {$750.00}, and {$670.00}. The bank confirmed my transfer requests via three emails and stated that the transfers would take three business days. However, I did not receive the funds by the expected date of XX/XX/XXXX. As a result, I was unable to make a timely payment on my XXXX XXXX credit card, which was also due on XX/XX/XXXX. This led to a late interest fee of {$140.00} due to the missed deadline. I have attempted to contact Bank of America XXXX times, but each time I was directed to a robocall and then automatically disconnected.
Product: Credit card

I received a NETSPEND Visa Debit card in the mail on XX/XX/2024. I have never applied for any account or card with XXXX, XXXX XXXX. It has a routing and account number listed in which I did not open or even apply for. I contacted Netspend at XXXX XXXX. It is an automated system and I was able to speak with " XXXX '' finally. It asks for you to enter your SSN, which I refuse to enter. I have had another bank account opened in my name previously with XXXX XXXX after being victim of a data leak. I am not sure why I have received this card and feel it is a huge risk to consumers to mail Debit cards unprompted. The representative said it was just an offer and the account was not open until I were to activate the card but these types of offers has potential to cause major issues with finances. I asked them to remove my name and address from any and all mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.
Product: Debt collection

In a recent interaction with a debt collector from Valor Debt Collection, I experienced unprofessional and disrespectful behavior that I believe violates the Fair Debt Collection Practices Act ( FDCPA ) guidelines. The debt collector, who did not provide their name, asked me if I had a job in a condescending tone and then abruptly hung up the call, preventing me from discussing my situation as a XXXX veteran. This conduct not only demonstrated a lack of professionalism, but also constituted abusive practices prohibited under the FDCPA.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX  Closing Reference # : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I received a debit card from SOFI Bank. I thought it was odd sicne i did nit have an account with them. I called and immediately reported it as fraudulent. They gave me a case # XXXX. But that was it, no other info. I aksed when was the account opened, what email was used, and what to do next. They said they are unable to give out that info. Next I went on to FTC website and started a identify theft calim rthere case number XXXX. So far nothing and Im scared
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is the credit bureau that I use to monitor my credit reports and scores. They offer free services and my current membership states that I am entitled to these benefits : Free Experian Credit Report & FICO Score Experian Credit Monitoring FICO Score Tracker Experian FICO Score Monitoring I have not  been able to view or receive these benefits for the past year. I try to call and the phone number listed is an automated-system that is not very helpful. I want to submit a Claim because Experian says these benefits are available to me yet they are not honoring them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations