23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

RE : ACCT # XXXX ==>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Manager ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required30 day timeframe. 

Best Regards, XXXX XXXX
Product: Student loan

I was sent an email on XX/XX/2024 from the Department of Education ( XXXX ) and signed by XXXX XXXX, XXXX, regarding my approval of full loan forgiveness and refund of all payments made for the life of the loan. The letter also clearly stated " You do not have to make any more payments on the loan ( XXXX ). '' My loans were then placed in " XXXX XXXX '' according to the Nelnet site and have been stagnant ever since, with the exception of the accruing interest. 

While I've been told that no further action is required on my part, I've seen no movement from any parties involved. It's been a wild goose chase to track down and ascertain any information at all from both Nelnet and XXXX regarding timelines and/or finalization of this process, including but not limited to full loan balance forgiveness, a full refund of all payments made since the inception of the loan and the data reported to consumer reporting agencies of a XXXX balance of all loans. 

Per the letters sent to my email, I'm entitled a full loan forgiveness and refund of all funds paid and find it incredibly suspicious that no movement has been visibly made clear to me nor have any timelines been given to me regarding this process. 

Now, with the impending and threatened shut down and dismantling of the Department of Education through the current administration and DOGE, I find it increasingly suspicious and concerning when and indeed, if ever, my account will be rectified as promised, leaving my future hanging in the wake of these unprecedented times and actions.
Product: Checking or savings account

I was victim of a scam. I purchased a plane ride and hotel which were payed using the XXXX app with my Bank of America account. Due to it being through my bank, I expected it to be a secure transaction. First transaction was for {$2000.00} and the other for {$1200.00}. Both made XXXX XXXX. The number send was to XXXX - XXXX  & XXXX. I was given a fake plane ride and hotel confirmation which at the time I believed. I contacted my bank and began a claim when the date arrived and no plane ticket existed. Bank stated they can not help since it was a authorized transaction. I am deeply saddened and shocked. I was a victim of a scam and lost {$3200.00}. I believed my bank would protect me
Product: Debt collection

On XX/XX/year> someone by the name of XXXX XXXX left a voicemail for me. He said that he needed to talk to me or my attorney and gave a number to reach him at. He also stated that I had no idea what was about to take place and I needed to call him back. I called him back that day and he said that they had received a judgment against me and that they were going to file the judgment. I told him a judgment is not filed, it is obtained. This concerns a loan from XXXX XXXX XXXX, which is a payday loan company. I do not recall getting any loan from this company. The debt collection company is Bell Global Services, LLC. Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ XXXX. Their phone number is XXXX. It is my contention that they were intentionally and fraudulently misrepresenting this as a legal matter or lawsuit when it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX, XXXX, XXXX, XX/XX/2019 payments were reported in the payment section but the loan amount remains the same. 
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX were made aware of this and never corrected this, in violation of FCRA LAW. 
2. XXXX XXXX XXXX is being reported on my credit report and not the official name of the credit union. Credit Bureaus have not delete this innacurate account. 
3. Monthly Payment amount missing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Auto loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Product: Checking or savings account

My Account has been locked due to my weekly unemployment benefit I'm currently receiving from the State of New York. I've attempted to resolve the issue with Chime & have my account unlocked but all my efforts have so far proven abortive. I've provided Chime with my Unemployment Benefits Approval Letter, State ID as well as Proof of Address as of XX/XX/2021 but Chime has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Chime. 

Such actions by Chime constitutes a clear violation of Banking Laws. If Chime continues to lock my Account, I'll have no other option but to file a Lawsuit against Chime at the United States District Court for the XXXX District of New York inorder to recover my funds.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016, 60 days X/2016, 90 days X/2016, 120 days X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Earlier this year JPMorgan Chase Credit card closed my credit card account without any proper explanation. When I called the supervisor he told me that I mentioned to one of the agents that I will file for bankruptcy which I never did so that the basis to close my account. When I called again another supervisor said that my balance was past due which is a lie i make all my payments on time. On XX/XX/20 i paid of the remaining balance of {$1500.00} and I shredded the card. Today I received an alert from XXXX  stating that Chase reported a balance past due in my account. I was surprised because I no longer have an account with them, they closed it without a proper explanation and I paid off my balance the remaining balance I need to know why they think I still owe them?
Product: Credit card or prepaid card

On XX/XX/2019 I called my Sears MC /Citi bank to make my XXXX payment. I discovered that this company lowered my credit limit. The agent I spoke with about this change to my account said that Citi bank had nothing to do with this action on my account, that It was done by XXXX. I called XXXX and they denied such action and referred me to Consumer Finance.gov. and XXXX. 

My issue is that on XX/XX/2019 I made a payment to Sears MC in the amount of {$3500.00}. After they took my money, they lowered my credit limit to XXXX. This action put my credit as high risk, because at the time that they lowered my credit limit, I had a balance of {$1200.00} which in turn maximized my usage and lowered my credit score. 
This is unfair business practice and I would like my credit limit increased or my {$3500.00} returned.
Product: Credit reporting or other personal consumer reports

Several unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.
Product: Debt collection

I dispute your claim and request validation from you under the Fair Debt Collection Practices. Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
Product: Vehicle loan or lease

I returned a car, early, to GM Financial Leasing after a 48 month term on XX/XX/2020. The car was scheduled to be returned by XX/XX/2020. I received a letter today dated XX/XX/2020 from the leasing company with an " itemized breakdown of the remaining amounts due on my account ''. They are requesting a total of {$650.00} for a disposition fee {$590.00} + {$.00} past due payments + {$56.00} for " official fees/taxes imposed by government agency ''. This money is due on XX/XX/2020 and they threatened to report non-payment to the credit reporting agencies. I called and spoke to their representative who explained the disposition fee is something I have to pay because I did not lease or buy another GM product. I was not happy with the car. I subsequently did not choose to buy or lease another GM product that I consider substandard. The car had a fender that popped out and the service person at the dealer knocked the fender back in with his fist. No bolts or glue to hold it together. I returned the vehicle in good condition with no excess wear & tear, XXXX miles under mileage allowance & a new set of tires. I talked to XXXX & his manager, XXXX ( ID # XXXX  ) and they would not waive the fee.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

This is a list of all hard inquires that are reporting to my XXXX, Transunion, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

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

This dispute is with Trans Union. Specifically, the following adverse Public Record, Chapter XXXX Bankruptcy reported by Trans Union on XX/XX/XXXX. XXXX XXXX : XXXX. Statements of fact : This Chapter XXXX Bankruptcy Petition was filed and subsequently dismissed without the petititioner obtaining a discharge. Creditors were not discharged during the administration of the case. Common Practice : According to the credit reporting agency : " The bankruptcy record from the court is deleted either seven years or 10 years from the filing date of the bankruptcy depending on the chapter you declared. ... Chapter XXXX bankruptcy is deleted 10 years from the filing date because none of the debt is repaid. '' Court records, attached, verify this was not the case with the listed bankruptcy. Debt owed to creditors was repaid. The Chapter XXXX Petition was Dismissed/Administratively Closed, not Discharged. This is a distinct difference. 
Previously, Trans Union reported they had verified the referenced Bankruptcy with the Federal Bankruptcy Court venue wherein this case lies. However and to the contrary of the Trans Union claim, the US Bankruptcy Court has stated [ " they do not verify cases to credit reporting agencies. '' ] I have requested the US Bankruptcy Court to verify this in writing with the Court Clerk Seal. Consequently, Case XXXX, qualified to be stricken from my credit report at 7 years, XX/XX/XXXX. It is now@1.25 years past the qualifying date to strike this notice from my Trans Union Credit Report. This adverse reporting is directly impacting my ability to obtain a XXXX XXXX loan. I can now demonstrate damages, I have standing to bring the case and given the numerous requests to Trans Union on the same issue and discoveries at hand, this matter appears ripe for class action litigation.
Product: Checking or savings account

Capital one experienced an issue with a third party vender that handles direct deposits. I requested a reasonable time frame of the resolution. Customer service could not fully communicate a reasonable resolution. I asked to be compensated for the delay. I received an unacceptable response and no consolation to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with Experian in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with XXXX in XX/XX/XXXX, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XX/XX/XXXX. 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XX/XX/XXXXhas deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account number : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 2 weeks ago, my wife and I removed our credit freeze with all three credit reporting agencies. The loan process obviously gained access and the loan proceeds. However, today I went to re-establish the freeze. I had no problem with XXXX. 
I called EQUIFAX at XXXX and the AI system could not identify me. I went online and got another number XXXX. I eventually reached a human being who asked me a series of questions, then proceeded to tell me that the inputs I had given were incorrect in some way and I would have to write a letter to : XXXX. XXXX XXXX, XXXX GA XXXX giving copy of drivers license, social security card number, a recent invoice that had been paid ( suggested example -- utility bill ). No one in their right mind would simply send such protected information to a PO Box . IN MY JUDGMENT THAT IS A RIDICULOUS REQUEST. I asked to speak to a supervisor. No luck. I asked who regulates them -- answer was call XXXX. I knew that was wrong. That is why I have contacted you. Telling someone that they have failed their credit reporting agency account sign in WITHOUT EVEN A CLUE AS TO WHAT HAS FAILED may be good banking practice but it does not help me re-secure my account. In this automated world, there comes a point when the CONSUMER/CUSTOMER should have the option of speaking to a real human being who can resolve the issue.
Product: Checking or savings account

Hi there, My checking account with TD bank got charged {$25.00} maintenance fee for XX/XX/XXXX and XX/XX/XXXX, totaling {$50.00}. Its term stated that the account should maintain a daily amount of {$2500.00} to avoid the $ XXXX monthly fee. However, it didn't specify whether it is the average amount across a month or exactly any single day within a month. I thought it was the first scenario since other checking account products at other banks utilize the measurement based on average daily amount and TD bank didn't specify it in its terms. I didn't know about its specific policy until I noticed that I got charged and talked to them. They refused to waive the fees.