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

This is the second time this year that a XXXX account has showed up on my credit report with no owner name, zip code, or any identifying information so I am actually able to get the account removed. How is a credit agency allowed to add an account to my report that isn't even linked with my social security number? I called XXXX and was told they could give me no information about the account because they didn't have it. I don't understand how it is even on my report, twice even, if there is nothing that connects this account to me. I spoke with XXXX 's fraud department and they said my name was similar to the account holder 's authorized user and that's how this happened. What! A similar name is all it takes for my credit score to take a spin twice in a year. This has to criminal. Why do I have to waste my time and money missing work to fix these issues when there should be checks and balances to prevent this in the first place!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

I am writing regarding the dispute I submitted on, which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you must ensure accuracy and conduct a reasonable investigation. FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) also mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625.

Please re-investigate and correct any inaccuracies within [ 15 ] business days. I may pursue legal action if this is not resolved.

Thank you.

Sincerely,
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  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to experian with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

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 15 USC 1681. 

XXXX # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.
Product: Credit reporting

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Capital one gives a due date for all payments, but is not fair on time allowed to make payment. My due date is the XXXX ( XXXX ) & XXXX ( XXXX  ) of every month. Capital one does not hold true to that and if you try to make payment after XXXX et time it will not allow you to select the XXXX or XXXX, so I have to select the next day. If you select the next day it considered late and they charge a late fee of {$25.00} even though I technically tried to pay it on the due date. If capital one gives a due date they should atleast allow the entire US and all the time zones until XXXX. Them cutting it off XXXX hours early on the same day as due date is not fair and I feel like it an easy opportunity to charge extra fee. I have called before to discuss it and try to understand why I was being charged a late fee if I was trying to pay it on due date but the system wouldn't allow me to pay it and had to select a later date. Call rep told me I should pay my bills on time was which was rude and in fact I was paying on time according to due date given by capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.
Product: Credit card

On XXXX I traveled to JC Penny to pay {$1000.00} towards my {$1400.00} balance. 
I was so excited that I was finally making progress towards paying my credit card off. The clerk was happy for me as well, after making the {$1000.00} cash payment I left JC Penny feeling happy. It was after I checked my email that day that my smile vanished in an instance. That email was from Synchrony Bank whom I've filed a complaint against in 2014. This recent email stated I had not paid my JC Penny credit card and that I was being charged a late fee. Livid I immediately contacted Synchrony bank, I was given the runaround by several agents. I was told the {$1000.00} payment went towards my Master Card. I was shocked to say the least because I never applied for any Master Card with JC Penny. Synchrony bank opened a Master Card in my name without my permission. As a former victim of Identity theft I am very, very hurt by Synchrony banks action. This situation has caused me a tremendous amount of stress. it is my opinion that I am being discriminated against because of my race. I am very, very hurt by the discriminatory business practices by Synchrony bank, I would like this company to be investigated for stealing my identity and opening up a Master Card without my knowledge. I want answers
Product: Debt collection

On XX/XX/2021 a person on behalf of Mandarich Law Group , LLP taped a court summons to my door ( see uploaded videos dated XX/XX/XXXX ). On XX/XX/2021, the same company had a letter sent by certified mail without a signature requirement ( see uploaded video dated XX/XX/XXXX ). 

I was improperly served and do not owe the Mandarich Law Group money. Furthermore, any debt owed is being paid to the creditor who initially extended the debt. 

I have proof to payments to creditors that I am willing to share with CFPB upon request.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an international wire transfer in the amount of {$300.00} through the Chase website. I have cancelled this transfer within 10 minutes of attempting it and received a confirmation on the screen that it was cancelled. However, when I later checked my bank statement, I realized that despite the transfer being cancelled the amount was still charged to my account and never refunded. Moreover, the intended addressee has not received the money either. When I first raised this issue by calling Customer Service, I had to be transferred 2-3 times, was kept on hold for over 40 minutes and finally disconnected. Before being disconnected, I was told that the transfer was indeed cancelled and the money should be returned to me, however, the only department that can do it " is very busy ''. When I called the second time ( on XX/XX/XXXX ), the same happened, whereby I had to speak to 2 different representatives ( the last one named XXXX ), who both confirmed that the bank has made a mistake and the money should be refunded, however, they stated ( after I was kept on hold for over 30 minutes ) that the only department that deals with it is closed at that time and I should call the next day. I requested the bank to handle this internally offline without my involvement and notify me when the refund is done since they already received and confirmed all the necessary information but was told that they are not able to do that unless I am on the phone. I consider this approach to issue resolution a " run-around '' tactic by the bank - the procedure seems to be deliberately structured in a way to inflict the most inconvenience and pain onto the customer without any justifiable reason. If initial information from me, as well as authorization to access my account info has been already provided several times, there should not be any reason for the bank not to resolve it. If it takes them more than 10 minutes to resolve the issue, they should have a process to complete the action offline without keeping the customer on hold for ridiculous stretches of time. The result is my money has been held by the bank for over 2  months now and after spending 1.5 hrs on the phone I have not yet received the refund. I do not have ability to call every day at specific times and stay on hold for a long time because of my work schedule. I request that the bank resolves this matter asap and notifies me when it 's done. Thank you for your help!
Product: Debt collection

On XX/XX/XXXX Credit Management posted a collection on my credit report that I asked for proof of prior to them placing it onto my credit report. I am unaware of this debt of {$930.00} and my research shows that it is out of state. They have not provided any legal documentation that supports that they have the right to collect and that this is a debt of mine such as legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. This company has failed to respond with any information which is against the law and violates my rights. I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate collection and hard inquiries that is showing on my credit report.
Product: Debt or credit management

I am being harassed by my HOA and debt collector for delinquent monthly fees. I missed a total of XXXX payments ( {$6100.00} ) but I started paying my balance due XX/XX/2024 which was accepted by the HOA. The collection agency put a lein on my condo as well as started the foreclosure process to gain payment. I have encountered phone calls, text messages, mail, home visits etc because of being on a foreclosure list by the debt collector. Indirect harassment. ( is this legal? ) Payment was accepted by XXXX, XX/XX/2024, but I was still referred to collection agency for payment. I sent additional payments but they were returned to my bank. I was told by the collect agent that if was recorded within 12 months, the collection process is invalid. I provided proof of e-payment. XXXX agency is now wanting physical proof of acceptance from HOA ( front/back of check? ) which I provided ( XXXX check confirmation/acceptance numbers ) ) but now that is not enough evidence. I tried to offer a settlement also but XXXX being told it was rejected. By who is unclear. So the collection agency wants almost $ XXXX to resolve this matter. Am I being taken advantage of? I can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with XXXX XXXX Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks
Product: Debt collection

This debt is paid with a settled amount of {$1800.00}. I have been told by numerous agents that as soon as the payment processed from my bank account, they would send an automated email with a receipt of payment. I have called them 8 times from XXXX and continue to be given different information by each agent. They have processed my payment and have told me they show a {$0.00} balance on their end but will not provide me with an email showing I have paid this debt. 

I have been told I need to wait longer, I need to wait until XXXX ( XX/XX/10 ) by Noon, to call back at a different time, that the email was coming today, there is no one who can just use a company email to send this information, a different department handles the emails but I can not talk to that department because they dont handle phone calls, and then most recently have been told that their systems are down and they can not provide me with a letter. 

I legitimately am just asking for proof that they have received the payment I have made. I have attached a photo of my bank statement showing the payment has processed.
Product: Mortgage

This started back in XXXX of XXXX XXXX XXXX, My payment was reversed because of what was told to me by the mortgage company that it was because of technical issues with their new payment system so I made. The payment again it was reversed again. And then finally it went through this happened again in XXXX. I called in XXXX checked and they said my payment was OK.I called in XXXX to make a payment and they said it was reversed again I made i The payment again then they had said that one of my payments was not processed and now I was behind, So after trying to figure out what was going on and why my payments were being reversed they said that their system was fine nothing was wrong and that it Was my fault due to some issues with accounts, So it's worked out a payment arrangement so that I would not be affecting my credit score. Nor would it affect the chance of losing my home. I noticed that it did get reported on my crebut after calling and trying to figure out what was going on again. They made it seem like it was my fault. ''Why didn't I ask if this would affect my credit report? '' This company has been nothing but problems for the last few months I have constantly called and tried to resolve the situation and they may Make it as if it is my fault yet. I don't get a clear insight as to what is going on. Why my payments were reversed why it is affecting my credit When I am on a payment arrangement so that it does not affect my credit This company has showed a complete lack Empathy And customer service.
Product: Debt collection

I am a XXXX XXXX XXXXr and our office is very busy. Portfolio recovery has attempted to call multiple times a day. This is intrusive and disruptive.
Product: Credit card

I opened an account with Care Credit because I saw on their website that they offer XXXX % XXXX on XXXX  purchases if paid off within XXXX  years, so I applied and was accepted. I paid a funeral director {$6100.00} on XX/XX/XXXX with my Care Credit credit card number. I paid this funeral director even before I received my actual card in the mail. I used the chat feature on Care Credit 's website to verify that I was on the XXXX % XXXX promotion, and I was told that I was on the promotion by them on XXXX to XXXX different occasions. There is not a way to pull up chat history on their website. When I told the funeral director about Care Credit and how his company was not on their list of funeral services, he then called them and started the process of getting his business listed on their website. Suddenly, in XX/XX/XXXX, I saw that Care Credit charged me {$160.00} in interest charges. I called Care Credit and spoke to a manager named XXXX, who vehemently told me there was nothing she could do to help me, and I was for sure not on the promotion. XXXX asked me if I had contacted the funeral director, and I explained that I was the one who suggested he become a customer of theirs and to have his business on their website in order for other grieving families to be able to pay him off quickly when they bury a loved XXXX. I called the funeral director and he was going to speak to Care Credit for me to see if they would back date and put me on the XXXX  % APR promotion. I waited XXXX full week, and Care Credit and he never did speak to each other ; all the while, Care Credit was accruing more interest to charge me every day that I waited for a response. So, I paid the balance off at Care Credit, and I would like to be reimbursed for the {$160.00} I had to pay them for interest charges that they were deceptive in charging me.
Product: Credit card or prepaid card

An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.
Product: Credit card or prepaid card

I'm incurring a monthly Recurring charge on my Capital One cc. The first charge was on XX/XX/2019. I called Capital One and they sent me a new card. The charge still occurred again on the XX/XX/XXXX, the charge occurred again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, During this period of time my credit card was changed 2-3 times, we spoke to XXXX and XXXX as the charge shown is from XXXX XXXX XXXX, a service I do not have. Both XXXX and XXXX confirmed I am not subscribed to XXXX XXXX  hence I should not be getting charged. I've told the credit card company on numerous occasions over the phone to put a stop payment on XXXX from charging me but they refuse
Product: Credit reporting or other personal consumer reports

XXXX, has failed to provide Proof Of Verification ... XXXX  XXXX their proof of verification is from a Third Party Paying Vendor ... .ARS LIES/Fraudulent Statements are not verified by the XXXX XXXX  XXXX... .I have XXXX the XXXX XXXX XXXX and they have XXXX XXXX Per This Attachment ) that at no time do they Verify any XXXX XXXX for any consumer .... SO XXXX who is your verification with? It's not the XXXX XXXX  XXXX Itself .... The XXXX XXXX XXXX Clearly states they ARE NOT A FURNISHER OF INFORMATION, if you are reporting a negative item on my personal credit file, who is your source of Verification, BECAUSE IT IS NOT THE XXXX XXXX XXXX  ... ..ARS has XXXX a third party, XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX These ARE NOT VERIFICATIONS ) THESE ARE COMPANY 'S THAT YOU HIRE TO PURCHASE INFORMATION ... ..YOU DON'T KNOW IF THE INFORMATION IS CORRECT OR INACCURATE BECAUSE " THE SOURCE IS THE MISSISSIPPI BANKRUPTCY COURT> For the XXXX time, I am asking CFPB, to ask XXXX to provide their XXXX source of verification... If you are reporting Bankruptcy, I am ( for the XXXX ) time, asking XXXX to furnish verification from the XXXX. 

Please instruct XXXX, to stop sending that long letter of B.S., which is constantly avoiding what I'm asking for ... .I am asking for verification from the Bankruptcy Court .... 

Again, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX... .if you are reporting information that IS NOT accurate, it should be deleted ... .Please don't tell me your source for verification is sufficient because you are reporting that the Mississippi Bankruptcy XXXX XXXX XXXX I filed, so please produce verification from the Court, NOT YOUR ILLEGAL PAID FOR THIRD PARTY. 

AGAIN, I am seeking verification from the XXXX XXXX XXXXXXXX, that you say has confirmed and verified this information.