23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Single mother w no help. Fell behind on payments. Called multiple times to get hardship or to settle account. Constantly told i do not meet criteria even though i have no employment
Product: Credit card or prepaid card

I pulled my credit report and noticed a few accounts that were not mine nor did I apply for this. Density card. XXXX XXXX XXXX as of today 's date both are not belong to myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking the following inquiries be deleted immediately from my credit profile. I have reached out to the companies to ask for validation of these inquiries with no response. I have not applied for the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I opened a Credit Card with XXXX XXXX which was issued through Synchrony Bank. The whole time I was having a hard time with my mail and would receive and pay my bill late. I had no problem paying the late fees but at some point I was fed up and decided to go to XXXX XXXX 's in person to pay my entire bill. I asked the represents everything to please advise me of what my bill was and he informed me that it was {$470.00}. I went ahead and paid the entire bill with cash ( I have my receipt ). Several months later I received a bill of {$110.00}. When I called to inquire about the bill, I was informed that when I paid my bill there were other pending fees that I did n't take care of and those pending fees caused additional late fees and that 's why the amount is what it is. The representative was only willing to refund {$37.00}. This is extortion and I feel taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone elses social security number and all their personal info on my Equifax and I found it out in XXXX of this year and we have the same name exact birthday and live we live in the same city and I have been getting mixed up with her over 13 years since I moved to the same city in 2009. I reached out to Equifax and sent them my ID but they changed some but not all of the info. Now it is half her info and half of mines.It has kept me from financing, getting credit cards and other things as well as stress not knowing if she has my information. I screened shot all the info as evidence and saved it to a file.
Product: Credit reporting

My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.
Product: Mortgage

I am going through loan modification with Shellpoint mortgage. My mortgage pre pandemic was {$2300.00} with an interest rate of 3.5 %. My take home net pay is XXXX XXXX  monthly. 
My new mortgage has been modified to a monthly payment total {$3800.00}, 6 % interest and extended for another 30 years. 100 % of income applies to mortgage. 
Not only does my mortgage payment absorb my complete paycheck, it adds {$540000.00} to my mortgage payment over 30 years. 
Shellpoint can not send me any documentation on how they accessed my payment. The main answer is I could try modification again and I may not receive it and or interest rate may be worse. 
I thought the idea of modification was to help homeowners get back on track after pandemic. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SUNCOAST CU - XXXX, XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

XX/XX/2022 an XXXX XXXXXXXX credit card off XXXX XXXX  was put in my name without my authorization & my knowledge, also XXXX XXXX XXXX account of XXXX XXXX was reporting to my Credit report without my knowledge & Authorization these are both fraudulent accounts & Collections
Product: Checking or savings account

Dear CFPB officer I have a one year CD account with Barclays, which matured on XX/XX/2023. I contacted the customer service on XX/XX/2023 before leaving for vacation, requested to close the account once it matures on XX/XX/2023 and fund money back to my original checking account at XXXX XXXX. I was told that the agent can't note the account for " non-renewal after mature '', and asked to do it myself. I thought I did a online option check for non-renewal, left for vacation. 

In early XXXX, I realized the account was renewed and called their customer service, they told me nothing they can do. I have tried to call twice after XX/XX/2023, was told that I have to pay more than {$6000.00} penalty to close this account. 

Although I was told by their customer service they will file a complaint for me and mail me the letter, which obviously I never received. At my last call, the customer service manager denied that she offered for filing a complaint before.

I filed this complaint for two reasons : 1 ) the bank created so much trouble to close the CD account before it matures 2 ) the bank created even more troubles even I followed up in early XXXX, Just two weeks after the account matured 3 ) Even their customer service manager kept on changing the statement regarding filling and mailing me a complaint letter to me. I observed such as in-consistency from the bank, which I don't trust anymore.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : XXXX # XXXX XXXX : XXXX XXXX Dispute Amount : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting actXX/XX/XXXX account numbers # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX bank, XXXX & XXXX account # XXXX Dept of education/ XXXX account # XXXX Violated my rights. 

Usbk court middle Florida # XXXX 15USC 1681 Section 602A States I have the right to privacy. 

15ISC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I C Systems is reporting three accounts on my credit report for the amounts of XXXX, XXXX, and XXXX. I called I C Systems and asked for the dates of service for these amounts and was told they were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. I then called my insurance company to verify that I did indeed have services done on these days before I verified these debts to be accurate. It turns out that I do no have any EOB 's from any of these dates of service from any provider, let alone the original creditor, XXXX XXXX  XXXX. I would like I C Systems to remove these three accounts from my credit report.
Product: Debt collection

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$610.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX. I was declined as they stated I had a past due payment. I do not. I was told to contact TransUnion which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX then XXXX XXXX. Another 45 with TransUnion. They sent me a credit report with no past due payment on it. XXXX and XXXX said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.
Product: Debt collection

I had a credit card with XXXX XXXX The account number was XXXX. The account was overpaid by {$56.00} dollars and was evidenced by the last statement received with payment due date of XX/XX/XXXX. I have the statement. I called the bank because I had paid off the account and was unable to use it. I was told that the account was closed by the bank. The statement also states that the account was closed. I was told that a check in the amount of {$56.00} would be sent to my home address, which was : XXXX XXXX XXXX, XXXX XXXX FL. XXXX. I had requested records of the account yet I was told that the account was " Purged. '' I received a letter from Radius Global Solutions LLC dated XX/XX/XXXX charging me {$480.00} dollars. However, never obtained a new card nor was I able to have a card replaced as per the banks reports at the time. I have reached out to them and disputed the debt considering that the bank closed my account and claimed that my card was " Opened fraudulently, '' and so I was not able to get credit. The debt report shows that as of XX/XX/XXXX, I owed {$480.00}. The debt letter reference number is : XXXX Pin Number : XXXX web address to make the payment is : XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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

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

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

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

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

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I never sign a agreement with XXXX XXXX XXXX.
Product: Debt collection

Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.
Product: Checking or savings account

On or about XX/XX/2022, I found out a Chime account was opened without my authorization when I received an account confirmation email from Chime. I immediately emailed Chime asking them to close the account, which they did. In follow-up emails, I attempted to get more information about the circumstances surrounding the fraudulent opening but Chime would not give me more information. I completed all of the steps they requested, including submitting 1 ) the last 4 digits of my social security number, 2 ) an Affidavit of ID theft, and 3 ) a copy of government-issued ID, specifically my North Carolina drivers license.

At one point, on XXXX XXXX, they emailed account statements to me but, to open them, I had to sign onto their system. When I tried to do so on or about XX/XX/2022, I could not due to a problem with Chime 's system. When I emailed them about this issue, they claimed via email on XX/XX/2022 that it was a known problem with their system and that they would not be able to help me further. More specifically, they stated, " Due to our system limitations, we are unable to assist you further in creating an account and will follow-up with you once a fix is in place. We hope to fix this issue for you in the future, but at the present time, it appears you are unable to enroll with Chime. '' We then exchanged several more emails, the last stating, unhelpfully, that my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To state the obvious explicitly, I did not open the account and yet I still have not received any information about who or how an account was opened in my name from Chime.
Product: Credit reporting or other personal consumer reports

I am not connected to the creditors referenced, and these inquiries do not pertain to me.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal details, and as a result, an unknown and inaccurate account have appeared. This account is not mine and is impacting my credit standing unfairly.
Product: Debt collection

I received a letter from XXXX XXXX stating that they want me to settle my debt with 25 % of a XXXX dollar debt. It's stated that I received this in XXXX but I have not received any XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Resources
Product: Credit reporting or other personal consumer reports

I have TWO credit inquiries from XXXX XXXX XXXX XXXX for a car loan. 
1.credit inquiry on XX/XX/year> XXXX credit inquiry on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 Section 602 A. states I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account with out my written instruction.
Product: Credit card or prepaid card

I requested the assistance of a family lawyer through a website called XXXX to represent me in a legal case regarding my daughter in Kentucky who was taking illegally by the non custodial parent in Kentucky that has a history of abuse and XXXX  XXXX. The website was " hacked ''. One of the lawyer 's profile contact information was changed to the cell phone number of XXXX XXXX. After I posted the request for a lawyer, Attorney XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, telephone ( XXXX ) XXXX ) contacted me in Kentucky from Florida by phone. He alleged he was matched through the website, when he was not. I soon realized he did not practice Interstate Custody at all and he had alleged paralegal with an outdated XXXX  email address put my name in a printed form that take about 2 minutes type asking to filing an incorrect form falsely stating on the abusive non-custodial parent 's behalf that he had been listed on the Kentucky birth certificate and had been verified as a parent when XXXX XXXX is not listed on the birth certificate and has not submitted to any blood testing. I refused to sign the motion and I refused to sign the legal contract because the documentation was fraudulent. XXXX XXXX lied he performed an estimated {$800.00} of legal work when no court motion was never filed. XXXX never represented me court and never made any calls on my behalf. He did not access to original family court case miles away in XXXX since I never signed a contract and never signed a " Release of Information ''. He sent text messages claiming he put {$200.00} refund in the mail to me and lied to t he bank Capital One using counterfeit documents that he completed {$1000.00} worth of legal services when he did not. He never mailed me any copies o any motions in the mail and he never performed any type of beneficial legal service on my behalf. He lied he was a member of a legal directory with XXXX XXXX, when he was not a member. The Capital One investigation # is XXXX. Capital One refused to reverse the reversal even though XXXX could never prove he mail a refund as alleged and the official court records of XXXX XXXX XXXX clearly shows XXXX never filed any motion on my behalf and he never represented me in any court case. He never performed and beneficial service. I have showed screen shots showing the XXXX XXXX website had been illegally hacked.