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

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : CAPITAL ONE Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I had, and should currently still have, a XXXX XXXX XXXX from Synchrony Bank with a {$4000.00} limit and no balance due on it. On XX/XX/XXXX, my card was stolen. I had reported the stolen card immediately to XXXX and they had said the card would be locked and replaced within a month. I am still waiting for a replacement card as of Monday XX/XX/XXXX and they had also lied about locking the card as a balance of {$4200.00} was accrued over the course of nearly a year which I DO NOT owe. They have wrongly and falsely sent me to collections for a debt that I DO NOT OWE because the card was STOLEN which means I did not have access to it and was unable to use it. I would rather not get a lawyer involved but seeing as XXXXSynchrony bank XXXX sent me to collections and have constantly refused to assist me in this matter anytime I call them, I feel that I am going to need to get a lawyer soon if the debt is not resolved and my account re-opened with a {$0.00} balance as it should be. I have called XXXX XXXX times about this issue over the course of the last nearly XXXX years and they have refused to assist me during any of those calls and have even hung up on me countless times.
Product: Debt collection

XX/XX/2013 {$3800.00} not familiar with this debt account!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these XXXX belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, ongoing Amount : {$1000.00} On XX/XX/XXXX I sent a letter to the company to identify why this collection account appeared on my credit report. On XX/XX/XXXX, XXXX XXXX from J & L Teamworks received the letter via certified mail ; however, to date I have received no response.
Product: Debt collection

This debt was purchased by a debt collector after it was written off by the hospital. The hospital was paid through my insurance retroactively. I do not owe this to the hospitsl, this debt should never have been sold.
Product: Consumer Loan

My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.
Product: Debt collection

This situation is not only unacceptable but is also causing severe damage to my credit score and financial standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite these disputes and my continuous efforts to rectify this issue, the inaccurate information persists on my credit report. WHY THE BUREAU KEEP ON REPORTING THE SAME INACCURATE INFORMATIONS ON THE CREDIT REPORT? THE BUREAU SHOULD FIX MY PROBLEM NOT IGNORE IT!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand the immediate removal of the inaccurate late payment information associated with the specified account from my credit report. This repeated reporting of the same inaccuracies raises serious concerns about the accuracy and effectiveness of your bureau 's reporting processes.
Product: Payday loan, title loan, personal loan, or advance loan

I never asked for this loan and asked the company why it was issued and never knew it was on my credit
Product: Vehicle loan or lease

I came into a financial hardship when I was hospitalized from an automobile accident and IRS issues which caused me to be out of work and late on my auto loan with Capital One Finance for several of months in 2017 for the amount of {$380.00}. Im now current on my auto loan and written a goodwill letter to have the late payments removed because Im now financially stable and able to keep my account current.
Product: Payday loan, title loan, personal loan, or advance loan

The money was suppose to deposit to my account but it never did. Not I cant get a hold of them and when they did respond they are asking me to repay loan ans said the money was sent
Product: Checking or savings account

On XX/XX/XXXX, I contacted my bank customer service rep through my online banking messaging center. I inquired about getting several over draft fees waived that totals an amount of {$210.00}. I only receive one SSA check on the 3rd each month. I have previously had to request a refund for overdraft fees a few months ago as well and was granted, but this time I was not granted. I understand that I have overdrafted my account, but I also get charged excessive fees every week that my account is in overdraft because I never have additional funds to deposit due to being stuck on one monthly SSA check. My check gets deposited every month and it covers the full overdraft amount plus the excessive fees they charged on my account which puts it even more into overdraft. I barely ever have funds left over after my check pays for the full amount. The rep I messaged told me that I am not eligible, and that my account will be closed and charged off if I dont make a deposit. I let the rep know that it will be impossible to make a deposit as I dont have any additional funds to deposit until my next SSA check deposits into the account on the 3rd, and explained that if my account can get credited for the {$210.00} in overdraft fees, then my account will be back in the positive and would not need to be closed and charged off. The rep then said that she will forward it to a manager for further review and I will receive a call within 24 to 48 hours. I can not receive any calls right now due to not having enough funds to pay my cell phone bill after paying rent plus paying excessive overdraft fees out of my check. This should be illegal for people who only receives one small check every month. 

I received a message today, XX/XX/XXXX, from a case XXXX named XXXX XXXX from retail support saying that they have tried to call but was not able to reach me. Well I explained to customer service rep that my phoe service is off and will not be back on until XXXX XXXX when I receive my next check. I will not be able to contact anyone until then. In the meantime, all I ask is to refund the excessive fees back into my account.
Product: Prepaid card

XXXX XXXX is XXXX XXXX XXXX. he receives social security from his deceased mother he is an XXXX. I checked his social security and XXXX dollars was missing. I checked the statements and it it so obvious it is fraud. there are sometimes up to 20 transactions a day for anywhere from XXXX cent to XXXX dollars. the purchases are from all over the country and all over the world. Direct express only returned XXXX. I am seeking an additional XXXX. if you google direct express you will see that they have had several lawsuits and 1000s of claims on losing funds. they are known to do this. they have a terrible reputation. This is government money that is going to an orphan is there a sadder statement? please help me to return those funds to this great XXXX  man.
Product: Mortgage

I purchased my home in XX/XX/2015 with a conventional loan and 10 % down payment. The home values in my area have risen so I contacted Home Point Financial to determine the process for removal of PMI through an appraisal. I have been given three different answers. Upon speaking with the first customer service rep I was told I would need XXXX XXXX ratio for borrower requested PMI removal. The next customer service rep told me that I would need XXXX XXXX because I was requesting PMI removal within 5 years. I submitted a formal request for clarification and was given a written response that said that I needed XXXX XXXX to have my PMI removed. This is the first that I have heard of this and does not appear to be conventional/ conforming loan terms. I am writing in hopes of getting written clarification on proper LTV. Additionally, I would like a list of approved appraisers in my area to write a check to them directly rather than writing a check to Home Point Financial to have them select an appraiser.
Product: Debt collection

On XX/XX/XXXX and XXXX, XXXX, I drove through XXXX XXXX tolls in the state of XXXX  ( " XXXX '' ). My XXXX XXXX was not set up correctly, so I ended up owing tolls, {$8.00} in total. 

After receiving written notice of the toll, I called to make the payment by phone ( XX/XX/XXXX ). The call was disconnected - I did not realize payment was incomplete. I heard nothing from Client until XX/XX/XXXX, when I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and informed that my balance was now {$180.00}, a 2,200 % increase. 

I called XXXX on XX/XX/XXXX to ask what had happened with my payment. I was peremptorily advised that the statute had passed and I could not pay the toll or legally challenge the assessment. I asked to speak to a supervisor. The agent was furious with me for escalating. These calls are recorded - you will hear it for yourself. XXXX hung up on me after a protracted wait for a supervisor. I did not terminate the call. 

I then turned to XXXX for relief. I explained the above. I stated that I had attempted to pay, had no notice that the payment was not complete after the failed call ( from XXXX through XXXX ), and that XXXX kept hanging up on me after long calls. I explained that I had no opportunity to discover the payment issue and no opportunity to pay the toll between XXXX and XXXX. XXXX XXXX and XXXX XXXX records reflect that. XXXX does not have clean hands in this matter. 

Per a letter dated XX/XX/XXXX, XXXX wrote me a purported summary of events. It is generally accurate, although it states that I " stated wait was too long and disconnected the call '' - the phone recordings will show that is untrue. 

I find myself in a XXXX  universe where no party will take responsibility and every call ends up in long waits, transfers, and eventually disconnection. I don't feel I have any other recourse other than to contact you. I would happily pay the tolls and even some fees, but do not wish to encourage predatory practices by paying off the firm for the sake of the common good. 

NOTE : XXXXXXXX XXXX notices to me, which I have, will confirm the above other than as noted above. That notice omits reference to the phone call I had with their attorney.
Product: Credit card or prepaid card

On XX/XX/2023 I called UMB and after filing all the automated prompts I was put on hold by their automated system for XXXX min stating " your service provider will be there in the moment '' after which I was promptly disconnected. 
When I called the customer service ( on call which again lasted XXXX min ) I was told an euphemism of " high call volume '' and I was not taken care of. When I requested to speak with a supervisor with a real authority to address the issue ( the CSR who picked up the phone told me she was one ) the call was again put on hold and then disconnected. 
It is evident that the UMB is not interested in providing any kind of customer service and it also prevents customers from redeeming points. 
In this case I expect the bank to redeem the points for their full value {$210.00} ( XXXX points ) in form of the check and send it to my address. 
And after this function is completed to close the account. 
If the bank fails in this function I will take the matter to small claims court here in IL. 
I simply can not bank with an organization that's so unprofessional and disrespectful to the people that give it business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with KIKOFF LENDING LLC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I discovered that there are accounts that are not mine. Those accounts have been fraudulently opened with my information.. I am asking that those accounts be deleted and removed immediately The accounts are Credit Collection Services, Torres Credit Service, and Southwest Credit System. I was not aware that these fraudulent accounts existed
Product: Credit reporting, credit repair services, or other personal consumer reports

Several calls were placed to Experian, XXXX, and XXXX Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payment entries on my credit report, which I believe are both inaccurate and unverified : XXXX XXXXXXXX : XXXX - {$0.00} XXXX XXXX XXXX : XXXX - {$0.00} Both of these accounts show a balance of {$0.00}, yet they are incorrectly marked with late payments. Given that there is no balance due, there should not be any late payments associated with these accounts. I have reviewed my records, and I have always made payments on time. Despite my previous attempts to dispute these entries, no corrective action has been taken, and they remain on my credit report. This ongoing issue has caused significant stress, anxiety, and health-related concerns, as I continue to deal with the emotional and financial consequences of these errors. 

I respectfully request that you investigate these disputed items and ensure they are corrected or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please require TransUnion to delete the items on my credit report, as TransUnion has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit report and TransUnion has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. TransUnion has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but TransUnion still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the TransUnion Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that TransUnion uphold their obligation to delete these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two account from the XXXX  XXXX XXXX XXXX, and an account with XXXX or XXXX, and XXXX XXXX  credit card that was reported by me as identity theft and also reported to the FTC and to all three credit bureaus as fraud. The account was not deleted even after a police report was issued. I need the accounts removed from my bureaus as evidence was provided that its fraud and identity theft.
Product: Mortgage

We have had many mortgage and lending companies service our mortgage. In XX/XX/XXXX we had sent a XXXX dollar money gram to XXXX XXXX to catch up on our past due charges in which they said we owed. When we got the next bill it was asking for more money over {$1000.00}. So we filed for Hardest Hit Program.They gave to XXXX XXXX XXXX dollars to help us, But when we went to pay the first payment in XX/XX/XXXX when the program was over, we were amazed to see that only XXXX dollars was applied. So when we asked the manager where the money had gone they said it was hidden fees and could not give us answers. We stopped paying and let our lawyer take care of the phone calls and letters. Then the mortgage was sold to XXXX and now is with Shellpoint mortgaging service. I wrote a letter to Shell point to describe all the history of what XXXX XXXX did but no response. So now XX/XX/XXXX we want to move. We asked for payoff of our home and this is the amount, XXXX payoff which is fees added on to the mortgage from {$85000.00}. WOW The mortgage should have been XXXX or less after the program helped but now they have tacked on another amount of ALOT more. This is not right for us and many others in this situation. I wrote a letter to the program and they directed me to you. Please help us with this.We want to sell but need the price down to XXXX or send us the title to our home in which we had a 15 year and paid double toward the principle at times. We have lived here for 18 years. Brand new on a lot we purchased years before. We were never late until hard times in which we gave them the full amount in XX/XX/XXXX of {$5000.00}, They tried to foreclose us XX/XX/XXXX but that is when we went for help and now they either want the {$110000.00} or saying we are in preforclosure which we just found out at our bank when the credit report was run. We appreciate all the help you give to us, My daughter has just left for the XXXX XXXX XXXX XXXX XXXX XXXX and I appreciate the video of the young man in the XXXX XXXX that helps people in this site. God Bless America. XXXX XXXX
Product: Credit reporting

When gathering my annual credit report on-line, both XXXX and XXXX provided the report without a problem. The Experian credit report failed repeatedly to do so, with a reference only noting that they are " unable to provide the report ''. There is no provided means of disputing or calling for the required free annual report at XXXX or at experian.com sites ( or via phone to Experian ).