23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

There is incorrect misuse information on my credit report that is innaccurate and not mines
Product: Credit reporting or other personal consumer reports

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. 

I received a XXXX for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been using XXXX by Goldman Sachs for my savings account and attempted to withdraw money. My account has been locked since the beginning of XXXX and have called their customer service line numerous times to unlock my account and withdrawn my money to no avail. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, confirmed my identity to them each time, and have been unable to find a resolution to unlocking my account. My money is now in their savings and I am unable to withdraw any money out.
Product: Credit card or prepaid card

Credit Card Account shows two balance transfers. Only one was requested and paid to receiving bank. Five weeks of trying to correct the Credit Card Bank error. No results. Problem described as an IT error. 

Credit Card Bank error has created negative credit reports. 

Disputes filed with credit reporting does not solve the problem. 
Customer service useless
Product: Checking or savings account

I purchased something online with my debit card on XX/XX/2021. After i realized it may have been a scam I reached out to the merchant via the email that was provided and got no response. At that point I placed a claim with my bank BOA and they placed the XXXX back in my account. After repeated attempts to contact the merchant i gave up. The bank went into my account and removed the funds they put back and sent a resolution that I received the item which I had not. I asked them how was it possible for them to get in touch with the merchant when I had tried numerous time with no results. They sent me a USPS Tracking sheet that clearly looks like a counterfeit copy which states the item was delivered XXXX XXXX  at the front door or porch with the address of XXXX, NJ XXXX ( NO PHYSICAL ADDRESS ) how is this even possible I have been home everyday because I work from home and my dog would bark if anyone rang my bell. I live in an apartment complex and no one ever takes packages in my development. This item was never delivered and this was a scam. The bank fails to acknowledge that the package was never delivered to me at anytime. I order from XXXX all the time and have never had a problem with packages and they take a picture of it in front of the building and send it to you so you know it's there and ring your doorbell.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX attempted to resolve this previously but consumer reporting agency aren't in compliance. EXPERIAN by law had 4 days to remove accounts relating to identity theft. EXPERIAN must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX XXXX is an account showing on consumer report is in violation of consumer rights including section 5 of the FTCA as well as the FDCPA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and complaints with other regulatory agencies.

Consumer has in possession proof of claim needed for lawsuit against EXPERIAN for not complying. Consumer has the right to seek remedy on invalidated and inaccurate fraudulent information effecting consumer right to do business in commerce.
Product: Bank account or service

While traveling in XXXX area, I had to pull off the highway to get some cash to use on the Pennsylvania XXXX. I stopped at a Citizens Bank on XXXX XXXX XXXX in XXXX, PA during banking hours to obtain cash. I was required to pay {$3.00} for a " Citizens Bank ATM Owner Fee ''. I am not naive, but a fee amounting to 17 % of the transaction to take out {$60.00} of my money appears to be abusive. I was not borrowing the money. Is this a " Restocking '' fee or " rental '' fee for my use of the machine? There is no electronic transaction fee between XXXX and Citizens that would cost anywhere close to the {$3.00} cost charged for the transaction. It feels like an abusive charge. 
Needless to say, Citizen Bank account holders are not charged this amount. It is ironic that Citizens Bank account holders are only charged 3 % for International transactions made at an ATM while domestic borrowers are charged a flat fee.
Product: Credit card

Amex will not credit me for over-billing committed by XXXX for over billing of {$300.00} per month for a gym membership, they also refuse to investigate for the billing issues made by XXXX for the following dates and case numbers in no particular order : XXXX XXXX XXXX XXXX XXXX card ends in XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX corresponding card number for the charges XXXX I was over-billed for my membership which was only {$330.00}, they charged me an additional {$300.00} per month for the following months listed above. 

I reached out to the business last year XX/XX/XXXXXXXX  - XX/XX/XXXX in regard to the matter, they got back to me XX/XX/XXXXXXXX  via email stating they see the additional {$300.00} charges per month for each month listed above but their systems did not have the capability of reversing the charge. 

I CONSULTED WITH THE BUSINESS FIRST AS AMEX ALWAYS TELLS ITS CLIENTS TO DO AND WAITED FOR XXXX  RESULTS OF THEIR INVESTIGATION, HOWEVER XXXX  TOLD ME I WOULD NEED TO GO TO MY BANK THIS YEAR BUT AMEX WILL NOT DO ANYTHING. 

THEY WERE ABLE TO CREDIT ME FOR XX/XX/XXXXXXXX  BUT NOT THE REST OF THE MONTHS AND THAT MAKES NO SENSE. 

I was directed by a customer service chat representative to make the dispute reason as follows : Ive been charged more than once for the same purchase However, the reason for the dispute is that I was overbilled or overcharged for my membership for the duration of my membership XXXX My membership dues were $ XXXX  monthly for my membership. 
I contacted the XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX to inquire about them overcharging/overbilling my Amex, despite invoices showing that my monthly rate was {$330.00}. They told me they would have to investigate it and would give me a call back once they had more information. They called me back XX/XX/XXXX and the staff at the gym recommended I dispute the charges with the bank because they see that I was over-billed, but they have no way of reversing the charges on their end. 
I called back XX/XX/XXXX to get more information on why this happened. They confirmed with me that my monthly dues for my membership with XXXX should only be {$330.00} per month. I was told by XXXX  that the {$300.00} charged was for another members dues during that time but due to confidentiality reasons they could not tell me who.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the reporting of the following accounts have violated my rights. 
XXXX. XXXX XXXX opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

Per - 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, credit repair services, or other personal consumer reports

Federal Law states that Consumer Reporting Agencies have 30 days to investigate Transunion is telling me they need extra time anything pass 30 days is a VIOLATION of my rights!
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report. 

XXXX ( {$220.00} ) XXXX XXXX XXXX  ( {$200.00} ) XXXX ( {$790.00} ) XXXXXXXX XXXX XXXX ( {$27000.00} ) XXXX  XXXX ( {$1200.00} ) XXXX XXXX ( {$0.00} XXXX XXXX XXXX {$190000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX XXXX is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report
Product: Mortgage

Following up on Complaint # XXXX PennyMac continues its pattern of refusing to acknowledge the issues with their website which have caused difficulty logging in and making payments, thereby resulting in missed payments and negative credit reporting. 

In their last response, they claimed I was accessing the website through a bookmark or an old link in my browsing history. This is untrue, as you can see in the video link below. I am typing in the URL from scratch after clearing my cache. " PennyMacUSA.com '' still comes up automatically, but it automatically redirects to the current URL, PennyMac.com. 

XXXX XXXX XXXX XXXX The company 's explanation that the issues are due to how I'm navigating to the site does not make any sense. Regardless of how I'm accessing it, I am ultimately arriving at PennyMac.com -- so why can't I Iog in? 

I am also not the only one experiencing this. It took me less than a minute to find a thread on XXXX where others are talking about their experience with a similar, if not identical issue. See below : XXXX XXXX XXXX I am not backing down from this until Penny Mac fixes their website and removes all negative credit reporting that has resulted from these issues. None of their troubleshooting has yielded any results thus far. Even if clearing my cache worked, I should not have to do that every single time I need to pay my mortgage. As I've said before, this did not use to be an issue, it has only been so since the website overhaul in mid XXXX. The act of doing something as crucial as making a mortgage payment should not be this difficult, especially not in XXXX. Technology is supposed to make things easier, not the opposite. And because I'm fully expecting another non-response from the company, deflecting any responsibility, in the meantime I will also be filing a complaint with my state 's attorney general. I will be including that XXXX thread where many other people discuss this same issue. 

FIX. YOUR. WEBSITE. 

I'm fully expecting another non-response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, XXXX, experian in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX holder, however Synchrony has stated that I am NOT an XXXX holder, but XXXX says I am a XXXX XXXX holder, and that I have not points to redeem. 

I ask for technical support and have been told XXXX does not have technical support. I told the XXXX rep that not having technical support is alarming. 

Synchrony bank is not being transparent. Synchrony bank is not sending me notices and I am enrolled in XXXX statements. Synchrony bank can not help me, and sends me to XXXX. XXXX says that can help me. 

When I'm on the XXXX website, it shows I have XXXX points. It shows I have no account because there's no information on that site. I have to switch over to the Synchrony site. The synchrony site has no information, so I have to log onto each individual statement to see what my rewards balance is and those reward balances are fluctuating and I'm NOT able to access rewards points on either site from my phone or my laptop. 

The XXXX states Synchrony is responsible for handle the rewards points and responsible for the technical issues on the website. 

The Synchrony bank is billing for digital services, however there is no discloser on the statement identifying the service I am being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Debt collection

This is my second dispute in regards to Safco. In regards to the dispute that i submitted on XX/XX/2018 and Safcos response.The notice to default was Mailed on XX/XX/2018 stating that I had until XX/XX/2018 to bring my account current but, the account was closed on XX/XX/2018. How can I respond to a notice to default if the account was closed 4 days before the default date? I was informed on the account status when i first called in and explained to the company that the vehicle was in the shop. I was then informed to hold off on the payment because your company would be getting back with me and that your company would place me on do not call due to late payments until your company could figure out whats going on. In mid XXXX i followed back up with the company to see what was going on after i received a phone call from Safco in which the company called and hung up. I called back and the rep got smart with me. I then asked for the supervisor and the supervisor got smart. I then asked to be contacted by writing only because i felt like this was becoming a stressful situation. HOW CAN SAFCO SEND A DEFAULT TO CURE LETTER ON XX/XX/2018 STATING THAT I HAVE UNTIL XX/XX/2018 TO BRING THE ACCOUNT CURRENT BUT CLOSE THE ACCOUNT ON XX/XX/2018? in your company words " From conversations with customer, there was no indication that any further payments would be made to SAFCO. The decision was made to write off the account as a loss, as the account was no longer secured by the collateral and there was no hope for payment from the customer. '' Did i specifically not ask to be contacted by writing? This is something that your company assumed.
Product: Mortgage

I was in forbearance and tried to make payments during forbearance and was told 3 different times by Collections department that I can continue to make regular monthly payments after forbearance. Now, the loan servicing company is telling me that I have to pay the {$6100.00} arrears amount in full. 
They will list a foreclosure sale data for XXXX but I will list the house for sale on XX/XX/2022. 

I know this will not delay anything but I wish your agency should something about these business practices. The Collections department recorded my conversations with them and typed in notes but every time I speak with someone from Collections department they ask the same questions as two days prior.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX 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

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates.