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

Hi, My name is XXXX XXXX XXXX. I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Checking or savings account

Ally bank, on-line banking service I have been a client for over XXXX years. They are reversing refunds to my account when I notified them that my account was being double charged stating I have a relationship with the merchant. In reality I stopped purchasing from the merchant. I did not authorize XXXX transaction charged on my checking account. Also, I do not have overdraft on my checking account. Ally has denied basic privileges of other clients. Ally is aware that my account was hacked. I made a complaint with the FTC already. Ally is reversing refunds to also overdraft my account. Ally has treated a customer of XXXX  years as if I commonly overdraft my account. Ally is refusing XXXX payments into my account from my established relationship on XXXX with my son and his contact number. Now they have proof that relationship is established but wouldn't honor his XXXX payment into my checking account to bring my account out of the XXXX. Ally is actively trying to cause my account to be closed. Ally also will not allow me to change my security questions which have been compromised by a hacker/cyber attack. Ally is falling into the cyber attacker 's wishes. Emails have been sent utilizing spoofing to send contacts something I did not send myself. My son and daughter-in-law are receiving calls from my son 's phone number while they are both communicating on the phone together. I have been intercepted trying to call Ally with robotic customer service agents who sound not human. Also the voices are the same XXXX people answering Ally 's customer service number every time I contact them. I am a victim of spoofing, cyber stalking, phishing, interception of phone lines. I am ready willing and able to hand over my electronics to someone who can actually do something about these cyber criminals. Ally bank is not accepting my chance to change my security questions. My social security, my mother 's maiden name, and my date of birth are no longer protected at this point. Ally is treating me the client in a way it does not commonly treat other clients. I have tried to contacted identity theft with the FTC. I had numerous issues all factual going on in my life. Thank you for reading and trying to understand the panic behind the text.
Product: Checking or savings account

I've been a longstanding customer with Wells Fargo between the years of XXXX and XXXX. This is a response to the illegal account activities that Wells Fargo just made a settlement for to pay customers who might have been affected. I am officially filing my complaint. During the time as a customer I've had several issues of overdraft fees and other charges that I disputed. I finally got frustrated and closed the account and XXXX of XXXX. I just recently started another account with them only because I had some hardwood floors that were being financed with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Student loan

I am in the Public Service Loan Forgiveness Program ( PSLF ). My account is currently with Mohela. I had 4 loans. Two were forgiven in XXXX. They had different payment counts listed than my 2 remaining loans. This is wrong. The counts should have been the same. I had the same forms, same jobs, same dates in school. I worked in Public Service for 11 years. I should have 128 months. My forms were submitted by XXXX of last year and approved. I have 35 consecutive months of Forbearance and one month that is not consecutive, all of which should be counted toward PSLF. I have approved forms for each of these months. There are also missing months from my account that should be counted. I have filed 2 complaints with Students Aid, the last one was in XXXX, still no response. My remaining 2 loans should be forgiven. Every time I call I get a different answer and get told to wait 90 more days.
Product: Credit card

I am writing to address a recent issue regarding a late payment fee with Capitol One that I feel may not have been handled in an equitable manner, particularly considering my XXXXXXXX XXXX XXXX XXXX 

Last month, I missed my payment by a day but contacted the company promptly, and the {$40.00} fee was kindly waived. 

This month, I paid my bill at XXXXXXXX XXXX XXXXXXXX, but I was still charged a late fee the next day. Upon reaching out to customer service, I was informed that the cutoff time for payments is XXXX XXXX XXXX As someone with XXXX I struggle with processing and retaining certain types of information, and I did not fully comprehend the cutoff time due to the way the information is presented on the website. When you consider it, these times are only one letter apart. For someone with XXXX that small difference can be easily overlooked, whereas it might be more apparent to someone without a neurodivergent condition. 

Specifically, the payment deadline time was not clearly emphasized or separated from the rest of the page content, which made it difficult for me to identify. Expesically, agian because the time zones are one letter off. 

When I called to explain my situation and request a waiver for the {$40.00} fee, I was informed that the company could not make an exception. I feel this response does not take into account my XXXX or the challenges I face with understanding certain types of information. By not making the payment cutoff time more clearly visible and understandable, I believe the company has inadvertently created an accessibility barrier for customers like myself. As a result, I feel I am being unfairly penalized. 

I understand the importance of adhering to deadlines, but I would appreciate consideration of my circumstances and the impact my XXXX has on my ability to process certain information. 

Thank you for taking the time to review my request. I look forward to your understanding and a possible resolution.
Product: Credit reporting or other personal consumer reports

according to XXXX of the fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX blocking of information resulting from identity theft. I filed ftc report and sent a written statement explaining that these transaction weren't related to me in any way as the consumer. that I've never received money or general goods but yet they've failed to properly investigate and verified the erroneous accounts from their failure to properly re-investigate these claim.
Product: Credit card or prepaid card

About three years ago I purchased phone and service from XXXX who gave me discount if I provided a credit card such that XXXX might charge it monthly. I gave my Bank of America credit card info to XXXX to use. Monthly they push messaged me advanced notice of date and amount due giving me opportunity to early pay by some other means. I received such notice on the XXXX of every month with a due date of the XXXX of the next month. My due date for any BOA credit card usage is the XXXX of every month. I never made direct arrangements with BOA to pay my XXXX bill. On XX/XX/21 I changed my payment arrangement with Tmobile over to a XXXX XXXX account not wanting to use my BOA credit card ( paid up to date no balance due! ). Sometime between XX/XX/21 and XX/XX/21 i got an email from BOA charging me {$49.00}, due XX/XX/21, for my next months XXXX bill. I called BOA telling them I switched my payment arrangement with Tmobile to Discover Card on XX/XX/21 as well as ask how they could bill me for a charge that had not been established as yet? Reminded them I had no arrangement with BOA to pay my bill.On XX/XX/21 I received my bill of {$49.00} from Tmobile due XX/XX/21. I called them to discuss BOA conflict. They removed my BOA credit card and replaced it with my XXXX car to be charged. I was told BOA was acting presumtuosly by charging me for a bill that was not generated yet. On XX/XX/21 I received another email from BOA reminding me that my new bill of {$49.00} for XXXX would be due on XX/XX/21. XXXX is no longer charging my account with my BOA card, they will charge my XXXX XXXX. Why has BOA sent me notice of this bill due on XX/XX/21? I will owe them nothing! Bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked Account Resolution Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

My checking account with Chime Bank was closed on XX/XX/XXXX. I wasnt aware of my account being closed and still had funds in my account. I have called numerous times spoke to many different people and they all keep telling me I am not eligible for a refund of the money in my account.
Product: Vehicle loan or lease

I am filing a formal complaint regarding a repossession and subsequent negative credit reporting by Bridgecrest. Despite my repeated efforts to resolve the situation, I have been unable to reach an equitable solution with the company, and their actions have placed an undue burden on my financial stability. 

Background : In XXXX, I relocated to XXXX, XXXX, and was shortly thereafter laid off from my job. Due to this unforeseen hardship, I reached out to Bridgecrest over XXXX times in an attempt to negotiate a payment plan that would allow me to make payments with the limited income I had available. Unfortunately, my efforts to establish a resolution were unsuccessful. 

After my vehicle was repossessed, I continued to reach out to Bridgecrest to discuss next steps and to work on a solution. I was informed that the car had been sold at auction, but every time I called to understand the status of my account or discuss repayment options to prevent a negative impact on my credit, I was met with representatives who claimed they no longer had access to my account or could not assist me further.

Key Issues : Lack of Communication : Despite my persistent outreach efforts, the company did not provide adequate support or offer a solution to address the outstanding debt.

Failure to Notify : I did not receive notice that I owed a deficiency balance after the vehicle was sold, nor was I informed that the balance would be reported to credit bureaus.

Impact on Financial Stability : The negative report on my credit has left me unable to secure a car loan, which is critical for my ability to work and earn an income. 
My Efforts : Reached out over XXXX times to negotiate a payment plan before repossession. 
Attempted to contact the company multiple times post-repossession to resolve the matter. 
Disputed the reported debt with credit bureaus, with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove fraudulent hard inquires off of my credit report, they have sent me several letters in the mail with confirmation numbers stating that the inquires were removed but they still reflect on my credit report. I have the confirmation numbers and hard inquires listed below. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Bank of the west currently known as Bmo is reporting falsely on my credit report. They do not fix the error I have paid them ontime and they report 30 days late to the credit report Im requesting for this error to get fixed as soon as possible Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute the inaccurate reporting of a collection account by XXXXXXXX XXXX XXXX on my credit report. This account has been incorrectly reported and is adversely affecting my credit score. Despite my efforts to resolve this issue directly with the credit bureaus and XXXX XXXX XXXX the incorrect information remains on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an 800+ credit rating for 8 years until XXXX XXXX XXXX became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting. 

- XXXX updated my home address and updated all credit reporting companies with an address that was not mine. 
- No correspondence was received regarding any disputed balance amount. XXXX records can confirm this mistake and my address was updated. 
- XXXX reported negative feedback on my credit report. 
- To mutually resolve XXXX agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- XXXX then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

XXXX XXXX XXXX XXXX is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation XXXX XXXX XXXX XXXX XXXX -in litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXXin litigation After speaking with the IRS, they stated that all charged off accounts over XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts
Product: Credit reporting or other personal consumer reports

Per dispute results report # XXXX for XXXX XXXX- The following accounts, XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX, were updated but not removed from my consumer credit report per my request. I have requested multiple times, since XX/XX/year>, for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life.
Product: Checking or savings account

A copy of my debit card was used in Virginia 3 times, while I was in XXXX, Texas. I have disputed these with the bank twice, Capital One and they insist I made the charges and will no longer dispute them and they have taken the money out of my account and refuse to give it back!