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

I received a notification on XX/XX/20 that my credit report had a new hard inquiry on it from XXXX XXXX, with an address at XXXX XXXX XXXX in XXXX, OR XXXX. Upon investigation, I learned that the inquiry was made by someone attempting to use my name and credit to obtain a line of credit for XXXX XXXX XXXX, a retailer from whom I have never attempted to buy anything. The line of credit was ultimately denied to the person attempting to use my credit fraudulently and I received a letter to this effect at my home address. 

I called XXXX XXXX in XXXX to report the fraudulent activity and was assured by customer service that the matter would be resolved and that the hard pull would be removed from my credit report. This has not happened, and the additional pull on my credit has negatively affected my credit score and will continue to do so for up to two years if the matter is not resolved. I attempted to dispute the matter with Transunion online but was unsuccessful, so in XXXX I submitted a letter by mail both to XXXX XXXX and Transunion requesting that the matter be resolved. Transunion responded that I need to contact XXXX XXXX. I have not heard from XXXX XXXX again. 

I would like the fraudulent inquiry removed from my credit report immediately. Consumers should not have to jump through this many hoops to correct their credit report.
Product: Credit reporting or other personal consumer reports

I had a business credit card with Chase. Due to global economic constraints, I fell behind on my payments. Chase reported this to my personal credit profile which significantly impacted my credit rating. I made arrangements to bring my account current and did so in the period established by Chase. Most recently I missed 1 payment date ( under 30 days ) and chase reported my account as 120 DAYS late to the credit bureaus. This is immoral and predatory.
Product: Debt collection

I voluntarily gave the car back because they said there would be no ending balance because they were going to auction off the vehicle.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

A fraudulent transaction of {$68.00} was initially charged to my credit card on XX/XX/2021 to Delivery.co.uk which is a food delivery service in XXXX XXXX. I would never order any service from them since I live in XXXX, California and they only deliver food to customers in XXXX XXXX. The credit card company noticed this to be a questionable transaction and so it sent me a text message asking me if I authorized that transaction. I immediately replied NO and so they told me that they would block the transaction. So then I canceled the card and ordered a replacement card suspecting someone got a hold of my credit card number. I contacted Delivery.co.uk and they told me that they told me that they never made that transaction nor do they have any records of me or my credit card number in any of their databases. 

To my surprise, the next day ( XX/XX/2021 ), not only did the transaction still show up in the transaction list in their mobile app, but the amount changed from {$68.00} to {$96.00}, which should have been impossible since they already texted me that they blocked the transaction. Furthermore, I canceled the card the previous day so the card shouldn't have even worked. Then it changed again on XX/XX/XXXX to {$95.00}. That's when I finally realized that it was the credit card company itself that was making these fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card

XXXX today XX/XX/XXXX stated that when I make payment above the minimum that it would be applied to the Balance transfer with the XXXX XXXX which is 5.99 % interest with XXXX XXXX expiring XX/XX/XXXX. The lower greater APR which is 2.99 % interest expiring XX/XX/XXXX. 

I realize that they are attempting to have me pay less interest but the problem being is that the promotion XXXX expiring XX/XX/XXXX will go to the variable XXXX which shows not to exceed 29.99 %. 

Seems like the solution on this type of more than XXXX balance transfer would be to apply anything over the minimum to the balance transfer that promotion XXXX expires first than apply the rest to the second balance transfer.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/year>. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


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

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

TransUnion 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! 


Delete the late payments from my consumer reports
Product: Bank account or service

I was at a party and my wallet got stolen, due to the fact my wallet is also a phone case, my phone was stolen as well, along with my credit/debit cards.. A few days later i was able to purchase a new phone, after purchasing a new phone I was able to check my email, upon checking my email I had an email from Bank of America alerting me my account was overdrawn, immediately I contacted BofA to explain the situation that the card was not in my possession, they read all of the unauthorized transactions in XXXX XXXX and I told them it was n't me it was fraud. A few days later they denied my claim and stated they didnt see any fraudulent activity, but I received an email while the fraud was occurring about unusually activity, so that lets me know they knew something was n't right, for XXXX I live XXXX miles from XXXX, another thing is I had everything taken from me so I had no money or anyway to get to XXXX. They also stated the reason why my claim was denied was because my mobile banking was accessed, and that indicates awareness, but like i mentioned before my phone was stolen, my phone did not have a password. I explained that to them once again, then they stated that was not in the notes, and I can have them " re-open '' the case, of course I agreed, and they also told me to file a police report. immediately i filed a police report, and received a confirmation email from the police department, 2 days later I received an email stating my claim is denied once again, before I even had a chance to send them the report, the police depart approves the report in a 3-5 period, plus my report was done on a Thursday, thats XXXX business day. Bank of America 's reason, once again is the mobile banking being accessed. I told them again my phone was stolen, and that they did n't give me a chance to send in the report, their response was they already reached a decision. Im a college student working XXXX jobs, taking care of my XXXX siblings and I had over {$3000.00} stolen from me, BofA does not care about me at all, they do not live up to the XXXX liability terms they talk about, I 'm behind in my bills, I have to eat less, put in extra hours at work, Ive lost over XXXX pounds in the past XXXX weeks dealing with this, PLEASE HELP ME!!! I do n't know what else to do. I need my money back!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I SENT PAYMENT OF {$1700.00} TO PAY OFF EDFINANCIAL ACCOUNT. 
THEY CASHED THE CHECK ON XX/XX/XXXX. I HAVE SENT THEM COPIES OF CLEARED CHECK, EMAILED THEM, AND SPOKE WITH SOMEONE ON XX/XX/XXXX WHERE I WAS TOLD IT COULD TAKE UP TO 39 DAYS TO MARK AS PAID. IT STILL SHOWS OPEN- NOW WITH A LATE PAYMENT WITH THE NEXT " PAYMENT '' DUE XX/XX/XXXX. I HAVE WORKED HARD TO GET MY CREDIT WHERE IT IS I WILL NOT LET THIS COMPANY XXXX THIS UP. IT SHOULD NOT TAKE THIS LONG TO MARK AN ACCOUNT PAID IN FULL.
Product: Credit card or prepaid card

This is my XXXX complaint about Synchrony Bank. Now it's about my Care Credit card. 
I made a statement about them targeting me as an XXXX American customer. I spoke with a customer service representative today over the phone. In the last conversation I had with them I explained to them to contact me by phone. Please no emails due to my illness I may not see or receive them. I am very ill and under XXXX. I have not received a bill or a phone call from Synchrony Bank to discuss any matters like most credit card companies operate when a bill is late. 
Today I spoke with XXXX and I let him know that I was going through my emails today and I received a message from Synchrony Bank asking for my zip code to retrieve the letter. I have attached a copy to this letter. The letter stated that my credit was decreased to what I owed XXXX dollars. Synchrony Bank never contacts me by phone or sent a bill in the mail. The representative said they sent me a text message. I never chose text messages as an option for contact. Text messages to a customer 's phone are so unprofessional for a company to use. Synchrony Bank is using other tactics to downgrade customers ' credit scores because they can't report unless they are 30 days late. The representative stated the department that handles the delinquent accounts found me to be a risk after a week and a couple of days late. They never contact me by phone or by mail to my address to discuss any matters or resolved issues. I have not used the care credit card. If Synchrony Bank would use the proper point of communication they would find out the correct information pertaining to why I didn't make the payment due to my illness and I forgot. The customer is ill and forgot. This letter of complaint is being copied and I am going to get the media attention because this is a violation totally. They sent a letter on the same day they decreased my credit to cover their back by email I would never discover the letter from Synchrony Bank if I wasn't looking for a medical bill that a company called about and asked if they could send the EOB by email so I could print it out. Synchrony Bank letter was in my Spam Mail. I spoke with the Bank months ago when I put the first complaint in and asked to be contacted by phone calls and mail Only. I have attached the letter. This Company is a Scam!
Product: Mortgage

Our mortgage was sold to Mr. Cooper in XX/XX/year>. Our escrow transferred from XXXX was whole and we never had any issues with negative balances. Now Mr. Cooper is saying that our escrow is negative but that there are " two separate escrow balances '' one that is visible to us online in our account, and another that is not visible or made readily available to us. We are paying nearly {$1900.00} per month in escrow even though our mortgage insurance, property taxes and homeowners insurance is only {$12000.00} per year. We can not see where our over payments are going. In XX/XX/year>, we sent in our normal payment amount, including the escrow and they did not apply the payment in time before the month end, they held the funds in a " misapplied funds '' account because supposedly an " escrow analysis '' was completed and we are now owing {$340.00} more per month, even though our taxes and insurance have not renewed or gone up.

Our total mortgage, ( principle and interest ) is only {$4500.00} per month, we are paying nearly 20 % more towards escrow, even when the totals do not equal what the expenses will be. It seems to us that our monthly payment has drastically gone up since joining Mr.Cooper and we believe this is not only unfair practices but it is also illegal to our rights as consumers. We have never had our payment change with any other mortgage company, it is not fair to us that because our prior lender sold our loan that we should suffer to fraudulent or misleading practices by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

Victim of the XXXX databreach issue. Haven't been able to get these accounts off. Was told that you guys could assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}. XXXX XXXX XXXX XXXX Balance Owed : {$510.00}.
Product: Credit card or prepaid card

In XX/XX/2019 my credit card was stolen and subsequently used without my permission or knowledge to purchase products and or services. As soon as I beacame aware I contacted the issuer of the card and let them know what happened. At the time of this fraud occurring my balance on the card was {$65.00} dollars. It has been 4 months and many phone calls, letters, etc., and I still have no resolution in this matter. Not only is there no resolution in sight, my new balance is {$450.00} dollars ( including disputed charges ). Mind you I have been paying my bill every month, have not made any purchases, and I owe more than I did the previous months. 
I have offered every opportunity to Fortiva Credit Card to make this right and they have pretty much ignored me.Not only is my balance the highest its been forcing interest to accrue, not to mention fees which are completely bogus and uncalled for. They insist they are investigating the matter to which I have to ask : " It takes 4 months to investigate this? '' I have provided all the paperwork necessary as per their request, and furthermore I was at work during the times the theft occurred. 
The charges were made in cities I have never been to and in some cases I have never heard of. In the meantime while they " investigate '' the case, I am suffering with a lower credit score directly triggered by their ineptness. If this is not resolved with your help, I will be left with no choice but to hire my attorney to delve into this matter and possible legal action. I have worked way too hard in the past year elevating my credit score by XXXX points to let it decline due to their negligence. 
I am enclosing paperwork with the disputed charges, timeline, etc., which I have provided to Fortiva Bank as well. 
I appreciate your time and I am hoping for a quick resolution to this matter. 
Sincerely XXXX XXXX
Product: Debt collection

In the summer of XX/XX/XXXXmy ex girlfriend had a work fair at her company and vendors came and offered deals on different products. One of the vendors there was XXXX  XXXX. The salesman informed her that it would be ok if she signed me up for a membership even though I was not present and we are not married. I never agreed to this and was not aware it had taken place until she informed me at a later date. When I showed up at the gym for the first time I was never given a contract nor did I ever sign any terms or conditions. Furthermore, the only information I ever received verbally from any employee was that I was not in a contract and I would be charged month to month. The last month that I paid for in full was XX/XX/XXXX. The last time I visited the gym was XX/XX/XXXX. I decided to stop using the gym as I was unhappy with their customer service. 

When I first received the email from the company telling me that I was late on my payment for XX/XX/XXXX. I explained to them that I never signed any contract and that I was never instructed verbally that I was responsible to notify them of cancellation. I was under the impression that month to month meant that if I didn't pay for the upcoming month my membership would be cancelled until I renewed. 

Since I had not used any gym services for the month of XX/XX/XXXX( since XX/XX/XXXX ) I did not think it was fair that I should be charged for services I did not receive. I was then told that I had signed a contract because XXXX XXXX ' policy is that every customer is required to sign a contract before they can start using gym services. I explained that I never signed any contract and therefore could not be held to terms and conditions that I never agreed to verbally or in writing. I was then told that it didn't matter and even though I had not used any services since my last payment that i would be reported to a bill collector if I didn't pay. Which brings me here. 

I have requested from both XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX and First Credit Services Inc. - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, to provide me with the contract where they claim I agreed to their terms and conditions. I requested this information in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I still have received no response. They just keep telling me that since my girlfriend signed for me that I'm responsible. They have also reported this to my credit report already even though I have repeatedly disputed the charges. 

It is my understanding that I have to sign a document in order to be held to its terms and conditions. Since I was never given the opportunity to do so, I don't think I should be penalized. Especially, since they are asking me to pay for services I never received. I think this is a major problem in our society of companies taking advantage of the little guy even though they made a mistake by not following their own rules. Please help me and all the other little guys by not allowing this injustice to take place. I would like this removed from my credit report and the charges dismissed.
Product: Money transfer, virtual currency, or money service

I customarily make transfers internationally using XXXX. For some reason PNC has blocked this connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay balances on my credit card to XXXX an my credit score never changes. Ive paid my accounts on time for last 8 months an score never changed. I feel Im a victim of credit racism. Its people with XXXX or more in debt thats not my color an theyre credit score is XXXX up. I have XXXX worth of debt that I pay on an my credit score never goes up at equifax only. Please investigate this situation throughly.