23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 notice XXXX XXXX balance of {$260.00} stating I owed on my XXXX, XXXX, and XXXX  credit report. I requested documents bearing my signature in a letter I sent to the company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Consumer Loan

I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLINE COLLECTIONS TO # XXXXXX WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX .I  would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/21 I was billed for my wife 's XXXX XXXX. My Platinum AmExp card has a benefit to pay the {$100.00} for this service. When I received my statement I noticed the charge on my bill. I called American Express on XX/XX/21 and XXXX, who was very nice, confirmed my account would be credited back the {$100.00}. I paid the {$100.00} and bill in full, as always and on time because of our agreement. On XX/XX/21 I made a series of calls about this charge that remained on my bill and questions about the {$550.00} fee and continuing the account. I spoke with XXXX, XXXX, XXXX ( XXXX ), XXXX, Ms XXXX, and XXXX. The calls tallied just under 2 hours. After these lengthy conversations, XXXX, the Supervisor at the Retention/Loyalty Department said that I would be offered {$150.00} to offset the {$550.00} fee but I would have to go back to AmExp Customer Service to rectify my valid complaint about the {$100.00} dispute that was previously resolved. When he transferred me back to XXXX, I was disconnected. Please have the bosses review the recording with XXXX, etc. XX/XX/21 XXXX that lasted XXXX. Ms XXXX, XXXX XXXX said no to resolving the {$100.00} credit and then told me the {$150.00} Loyalty credit had been taken away. Later it was put back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX  XXXX XXXX XXXX  to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent 3 dispute letters to Experian asking them If it's not too much trouble be prompted this is my THIRD WRITTEN REQUEST and FINAL WARNING that I completely expect to seek after prosecution as per the FCRA to uphold my privileges and look for help and recuperate every single money related harm that I might be qualified for under Section 616 and Section 617 with respect to your proceeded with resolved and careless resistance. 
Notwithstanding two composed solicitations, the unconfirmed things recorded underneath still stay on my credit report disregarding Federal Law. You are required under the FCRA to have a duplicate of the first  lenders documentation on record to check that this data is mine and is right. In the consequences of your first examination and ensuing reinvestigation, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a customer contract with my mark on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) (  A ). Besides you have neglected to give the strategy for check as required under Section 611 ( a ) ( 7 ). It would be ideal if you be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " instantly DELETE all data which can't be confirmed. ". In the dispute results Experian responded back for the past couple of months, telling me they are not going to reinvestigate until I send them more information about the student loans and medical account. These following accounts needs to be deleted because Experian couldnt validate these accounts : US Dept of Ed : XXXX, US Dept of Ed :  XXXX, US Dept of Ed : XXXX, US Dept of Ed : XXXX, XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

XXXX Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX Transunion Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : LOANCARE LLC Late Payment XX/XX/XXXX XXXX  only XXXX Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account Number XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.
Product: Debt collection

I am writing this letter in an effort to remove inaccurate unverified account information on my credit report. I have contacted TransUnion XXXX. XXXX XXXX PA, XXXX with a Proof Of Verification Letter on XX/XX/2019 Via certified mail to solve the issue of either verifying the accounts or removing the inaccurate items on my credit report and they fail to do so according to the FAIR CREDIT REPORTING ACT 1681, and the FCRA 15 U.S.C 1681. Also please be aware that I am keeping records of each date that I have contacted your company and Im prepared to use this information in case i have to take further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX  and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX sent me a letter in my complaint saying they are reporting to experien. I have included it with this dispute!
Product: Credit reporting or other personal consumer reports

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

My loan was discussed in writing with XXXX XXXX in 3 letters. A credit card was made up by Chase in the name of XXXX XXXX. This is a breach of confidentiality. 

No credit card lends {$80000.00}. 


This card was then acknowledged as fraud, and a new number was given, and it was then cited as XXXX XXXX. Communication to XXXX XXXX about a card of XXXX XXXX is breach of confidentiality, if there is a card for XXXX XXXX. 

The card number XXXX had no 3 digit code or expiration. It has no application or purchases. It has no Statements or annual charge. The number is faked by Chase. 

The loan is recognized as fraudulent and then it changes back to to the loan I took out, ending in 1983. Chase changes fictitious card back to loan of mine, no one else involved. 

Talking about the loan with XXXX XXXX is a breach of confidentiality. THE BREACH OF CONTRACT ON ALL THE INFORMATION YOU GAVE XXXX XXXX, ABOUT MY LOAN. REF : NUMBER IS XXXX. 

Chase can't have it both ways. Pick one. The one you picked is a crime.
Product: Credit card or prepaid card

Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Barclay 's has erred in its decision about fraudulent charges that were made in XX/XX/2022 in XXXX XXXX XXXX. Neither my mom or I made the XXXX purchases in the XX/XX/2022 that were previously noted. We have already paid for all the charges we did make in XXXX. 

Based on Barclay 's response, it seems that I was mistaken that my Mom had a card. This doesn't make sense because she is an authorized user on all of my other credit cards. The fact is that she must have used my card when she was in XXXX and lost it there. I have personally never used my Barclay 's card, but have allowed my mom to use it. I have not been in XXXX for the past 5 years and have two letters that prove I was not there in XX/XX/2022 One letter is from my employer and the other from my XXXX XXXX. Your fraud fax number does not work. I called the fraud department and they told me to send them via regular mail. They are now attached. 

IN ADDITION, Barclay said that my payments, late fees, and interest would be on hold while the fraud is investigated. Unfortunately, they continue to charge interest and late fees. I had a close to perfect credit score before these fraudulent charges were made in XX/XX/2022. This is very stressful and a travesty.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.
Product: Checking or savings account

I attempted to open a business account on American Expresss platform called Kabbage. They claim this is a very easy process and that credit worthiness is not a factor in their decisions. There is no detailed information about what is needed to open the account. I filled out the form online. I uploaded my business incorporation documents, as requested by the form. I was asked to provide further information but it was not told what kind of information was being looked for. I uploaded everything that I received from the incorporation as well as my tax ID and my website. My account was not approved. I thought maybe it was because it was a brand new business and not established. So I created a new account to see if my well-established nonprofit which has consulting status at the XXXX XXXX was able to get an account. The account for the nonprofit was also not approved. I called to find out what was happening and to have my accounts on Kabbage closed since I was not approved for a checking account. I was told that the algorithm decided to not approve my account and that there was nothing the human I was speaking to could do about it. I was also informed my information would be kept and held for five years. I think it is outrageous that American Express can keep my information on file for five years but they can not tell me what requirements are necessary to open an account and the fact that robots are running their company and the humans that work there have no say in what the algorithms and robots are doing.
Product: Mortgage

On XXXX XXXX 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a XXXX XXXX mortgage. According to the XXXX XXXX website, banks who service XXXX XXXX loans must use their standard interest rate on all modifications. On XXXX XXXX, 2015, the XXXX XXXX rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what XXXX XXXX is issuing and what my Usbank ( the servicer ) is charging me? Many thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX Equifax Shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all XXXX bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as XX/XX/XXXX Account 2 ( Original Limit {$500.00} ) Pay history Different across all XXXX bureaus. Remove for inaccuracies. 

XXXX  shows 150 days late as of XX/XX/XXXX Equifax shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years.

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Not applying my secured deposit to the account. 
Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681 of which are attached.
Product: Checking or savings account

In XX/XX/2022, My account was closed and I Was given no explanation as to why. I used that as a personal account in order to pay my bills and to cover my living expenses. When I tried to apply and make a new checking account they said I cant. I have {$120.00} balance with Wells Fargo and am looking to pay it In order to get my account back up and running.
Product: Credit reporting or other personal consumer reports

This is a rebuttal to XXXX  response to : Complaint # XXXX : I appreciate the extensions that XXXX gave XXXX in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over 30 days past due. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX XXXX  days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this XXXX time and remove the XXXX XXXX  payment altogether. 

Thank You. 

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

Hello, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my TransUnion credit report and I seen 2 late payments from XXXX XXXX XXXX that is incorrect because Iam in good standing with this company with no late payments also I see 1 late payment from XXXX XXXX XXXX and that is incorrect iam in good standing with this company as well.