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

I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 
According to my credit report dated XX/XX/XXXX, there are late payments entry listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on XXXX
Product: Credit card

American Express has discriminated against me by denying me a portion of my open end credit pursuant to Equal Credit Oportunity Act and Truth & Lending regulations Z. American Express has denied me credit after I gave them a security Application.
Product: Vehicle loan or lease

While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my wife contacted quicken loans to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
Product: Checking or savings account

XX/XX/2023, capital one 360 restricted and after closed my account for unusual activity, I tried to explain what happened but didn't listed or took my testimony as true, a " friend '' which name is XXXX XXXX ask me to receive money from a lady I didn't know and after send it to him which I did, apparently that was fraud because she reported my bank account and capital one actually took my own money and gave it back to her, I didn't report this before because my friend told me he was going to pay me that money back, but ever since that happened haven't done so I have proofs of what I'm saying I'll attach those
Product: Debt collection

I paid a monthly amount to XXXX XXXX thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with XXXX XXXX, asked for a refund and would not give me it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now Equifax is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that XXXX and Equifax are flagrantly violating the FCRA.
Product: Mortgage

I am asking to have a late payment removed from my credit profile. This mortgage company has not been reporting proficiently to the credit bureaus. I am receiving a 30 day late payment on my credit profile in the month XXXX from a payment in XXXX. I have made payments in XXXX that are not reporting it reflected on my credit report. Its showing that my last payment was made on XX/XX/XXXX which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems continue to furnish information on credit file. Made several attempts to solve with company. A complaint submitted over 30 days ago, company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was informed multiple times that XXXXXXXX XXXX was reporting the wrong balances on my credit. After months XXXX finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} XXXX has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked XXXX to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust XXXX and have recording s of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage XXXX XXXX  did could have been fixed early on if experian had properly disputed and researched the credit amounts that XXXX stated they issued, when they did not issue nor ask my permission to increase my credit line. XXXX XXXX  abused my trust. XXXX literally took money from my bank and claimed it was credit issued to me by XXXX then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am extremely frustrated at the actions taken place by Transunion. I noticed my credit had been hit by about 33 points the first week of XX/XX/2021 so immediately investigated as to why that was, only to find out they claimed I did not pay my credit card ending in XXXX. I pay this credit card each and every month in FULL usually over {$10000.00} worth. I paid this on time and retrieved a receipt supporting my claim, I then went to Transunion online to submit a dispute with the evidence of my payment of {$11000.00}. 

I have been awaiting a response for my dispute until today when I realized another hit for about 20 points had also been deducted from my credit score where they had REMOVED my entire account for this credit card. I feel as if this is entirely illegal and misleading removing my personal and validated information from my credit report I have worked so hard on. I am a tax paying citizen and pay my bills before they are due. I am outraged at the fact some random employee can remove such information and kill my credit score.

I called Transunion and inquired about having all of this fixed ( that they caused ) and was told it could not be fixed and to contact my bank. I am livid and want my information repaired. I will not stop contacting until I come to a conclusion where the outcome is correct and fair.
Product: Mortgage

I have been trying to have my account rectified since XXXX of 2024. No one has been able to fully rectify my account as of yet despite repeated calls, emails & a case manager attempting to resolve. I still don't have accessibility as a XXXX client. 

I am still receiving delinquency notices even though chfa claims in one of their complaint responses that I am current. I am copying and pasting the latest notice here : -- -- - Forwarded Message -- -- - From : XXXX XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/year> at XXXX PM MST Subject : Colorado Housing and Finance Authority - Account Notice Re : Loan ending in XXXX Dear XXXX XXXX, We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/year>. 

If you are experiencing a hardship situation, we are here to help and would like to discuss your situation for options that may be available for you. Please contact us to further review your options or visit our website XXXX XXXX XXXX to review and complete the hardship application for possible assistance. 

If you would like to speak with a member of the servicing department, please do not hesitate to call us today at our toll-free number XXXX and we will be happy to answer any questions you may have. 

If you have already made your payment and your account is no longer delinquent, please disregard this notice. 

Sincerely, XXXX XXXX Department THIS DOCUMENT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU ARE IN BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, THIS LETTER IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT IN VIOLATION OF THE AUTOMATIC STAY OR THE DISCHARGE INJUNCTION OR AN ATTEMPT TO RECOVER ALL OR ANY PORTION OF THE DEBT FROM YOU PERSONALLY. 

Please click here to opt out of receiving loss mitigation emails and payment reminder email alerts at this email address from us. Please note that you will still receive other emails related to account maintenance and requested transaction confirmations including, but not limited to, emails providing account login information and confirming services requested through your online account. 

If you wish to manage your email Notification alert preferences as set forth on the website, please log into your online account XXXX XXXX XXXX and visit the Settings & Notifications page. 

The information contained in this message is proprietary and/or confidential. If you are not the intended recipient or you believe you have received this message in error, please : ( i ) notify the sender immediately by forwarding the email to XXXX ; ( ii ) do not disclose, distribute or use the message or the information contained therein in any manner; and ( iii ) after forwarding the email to the sender, delete the message and all copies. 

In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient.
Product: Credit card

We made a purchase at XXXX XXXX which actually consisted of two separate transactions on XX/XX/XXXX in the amounts of {$22000.00} and {$32000.00}. Both these transactions were 96 MONTHS WAIVED INTEREST EQUAL PAY under a promotional plan with XXXX XXXX. We have NEVER used the card for any other purchases!! 

We have made a payment of {$570.00} ( {$22000.00} + {$32000.00} = $ XXXX = {$570.00} ) each and every month without fail as it is an automatic payment set up with our bank XXXX  XXXX XXXX XXXX For nearly 4 1/2 years everything was fine. XXXX of XXXX something changed on Comenity Capital Banks end which has caused the minimum amount to change to {$570.00} without notice or explanation and various amounts after this point because they are charging us fees on top of the minimum amount due. We have never got a clear understanding as we have a 0 % or waived interest promotional plan. I think it has to do with the termination of the XXXX XXXX Credit Card program. See attached notice. This change was not to effect our original terms of purchase. 

We have continued making the {$570.00} payments and have made extra payments of {$170.00} and {$30.00} for a total of {$200.00}. We want this refunded or we will deduct this amount from our final payment ( Payment 96 ). Unfortunately we have exhausted all efforts on our end and they do not have competent workers in customer care to rectify the situation. Please also find Comenity Capital Banks final response to our concern. We have have additional correspondence if needed. They say the change is a result in a change of the APR. They also said they can not make changes to a closed account, but we have brought these errors up before they closed the account. The way I see it 0 % is 0 %. And an Equal payment plan doesn't change amounts every month. Why this would change after 4 1/2 years is beyond my comprehension. 

We will continue to make the {$570.00} payments and we need help in resolving the issue and we want to make sure that our credit history is not being effected from their incompetence. Fee free to give me a call at XXXX to discuss. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I always file my UI Unemployment claim every Sunday morning so I can have the credits ready to withdraw every Tuesday. On XX/XX/XXXX, I go to one of the closest Bank Of America in my area. I put in the expected amount to withdraw for that day and the ATM machine tells me I don't have the money yet. I check my balance on the ATM and it tells me that I only have {$1.00} in my checking. In my mind, I'm thinking alright the credits must be delayed for this week. 

On XX/XX/XXXX, I check my balance again and it tells me that I still don't have the credits in my account. So I check further to find out that before I went to the bank on the XXXX of XXXX, someone already accessed my account on another ATM from the opposite side of town. An area that I never go to, an ATM/place that I have never been to before. 

Before all this, I did not have alerts on for my Unemployment Benefits XXXX thinking that there's no way someone can have access to my card because I never use it for outside purchases. I solely only use it to withdraw money from an ATM. My card is always on me and never do I let other people than myself use my cards. 

I call Bank Of America and I file a Fraud Claim on the XXXX of XXXX. 
I call them again on XX/XX/XXXX to see if there is any update on my claim and they tell me that they denied my claim on the XXXX. So I asked for them to reopen my claim for that day. 

I called them every week after that to keep myself updated. One guy helping me being optimistic and tells me that most likely I'm getting my money back after they check the cameras on the ATM 's that were accessed. 

Reach current day of XX/XX/XXXX, I called them and they tell me that they have closed my Fraud Claim again for the 2nd time. I asked them to reopen my claim again and here I am seeking extra help thinking that they're going to deny my claim for the 3rd time.
Product: Checking or savings account

I need to dispute 3 transactions made with my XXXX debit card XXXX for " credit not processed ''. My account was closed by the bank without any reason so I cant open the dispute through call center and also I cant check the exact dollar amount of the transactions because the purchase were made in XXXX in foreign currency. 

On XX/XX/XXXX I paid {$3.00}, XXXX {$3.00} and XXXX {$3.00} XXXX at the store XXXX XXXX, for XXXX tour packages to visit XXXX, in XXXX. for a trip that will be made on XX/XX/2024. 
On XXXX XXXX I contact the store XXXX XXXX to cancel the service because my trip vacation plan was cancelled, the refund policy is full refund up to 7 days before the trip. They agreed to refund 100 % to the same payment method used, they sent me the refund receipt and I should wait no longer than 5 business days to have the refund processed to my debit card ending in XXXX. The refund was never posted to my account so I called them again on XX/XX/XXXX and the answer was " call your bank ''
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt collection

The account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. The account also can not be verified. I have requested verification more than once and received nothing. My information was sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ITEMS resulting from alleged identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX, XXXX, and TransUnion are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX, and XXXX/XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I am not able to make online payments on my accounts. I tried calling the customer service number and they also told me that they are not able to process my payment. So I then went in person. I spoke to XXXX XXXX the branch manager at BMO located in XXXX, AZ. After talking to XXXX he also could not process my payment. 

I exhausted all my resources and not a single person can take my payment. Because of this I am running late on my payments. I can not believe this is happening with such a large bank.
Product: Credit card or prepaid card

Home Depot offered a promotional rate of 0 % financing for 24 months for opening a store credit card in XX/XX/XXXX for a project. This time frame would be approximately XX/XX/XXXX through XX/XX/XXXX. The promotional rate that I received was only through XX/XX/XXXX and I have been charged interest. I called the Home Depot credit card and they refused to honor the promotional rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put an inquiry on my Experian consumer report when I did ask them to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my XX/XX/XXXX Equifax credit report as closed, with a {$0.00} balance, and paid as agreed. However it is negatively reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If this account is closed, with a {$0.00} balance, and reports pays as agreed, it is contrary to report that I am late on 3 months of payments when the balance is {$0.00} and states " pays as agreed ''. This account is reporting as closed. So it can not be reopened as per FCRA regulations. It reports a {$0.00} balance so no money is due for that reason, and late payment reporting is untrue because the above is true as XXXX XXXX XXXX XXXX and Equifax have reported previously and as of the XX/XX/XXXX Equifax report. See attached Equifax credit report documents.