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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;
Product: Checking or savings account

My XXXX and I have tried to place {$20.00} dispute for a transaction dated XX/XX/XXXX as the merchant failed to fulfill the promised obligations. The bank even refused to accept the claim. We asked to mail the paperwork for the claim... instead they refuted back to the merchant. Aren't the bank supposed to accept the dispute ( at least ) and try in good faith attempting to resolve it? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear Retail Claims Customer, We have received your request and reviewed it. 
Unfortunately this is not something we are able to process. This is a situation that must be resolved directly with the merchant, please reach out to them for further assistance. We apologize for the inconvenience. 

Thank you for choosing Chase. 

Sincerely, The Retail Claims Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : Account inquiry XXXX I provided you with everything you need including the account #, merchant name and date. Send me paperwork to my address if not sufficient. i don't have time to call -- -- -ORIGINAL MESSAGE -- -- - XXXX XXXX XXXX Thank you for contacting us. 

XXXX, we received your request to research a transactions on your account. Your email inquiry requires the expertise of another team. 

For assistance, please call our Customer Claims Department at XXXX ; we accept operator relay calls. You'll need to provide : - Account or card number - Date and dollar amount of the transaction - Merchant 's name - Any other information you have about the transaction We appreciate you being a Chase customer. 

Thank you, XXXX XXXX XXXX Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I need to place {$20.00} into the dispute for the following transaction XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ID : XXXX XXXX debit - {$1000.00} I was promised {$20.00} for completing the transfer ... never received it and never gotten response from XXXX or XXXX [ XXXX XXXX XXXX : application/pdf Name : XXXX XXXX ] [ Attachment XXXX Type : application/pdf Name : No response from XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with Chase ( Freedom ending with XXXX ) since XXXX. I have started having issues with paperless statement option since they introduced that option. I never wanted to have this option since they sent email for every little thing so it is hard to find statement in many email they sent. Many times I go to my credit card websites and make sure that the paperless option is not selected. For this particular bank and card, this option creeps back in time. Numerous times I became a victim of this and ended up paying late fees. For the last 2 years I recall at least two times I called Chase to make sure that I get paper statement mailed to me. Despite all my attempts, the Slate card which I seldom use somehow ended up with paperless option. The balance was about {$10.00} in XX/XX/XXXX. Over couple of months this became {$78.00}. Today I received a call from my mortgage refinance company telling me that my credit score went down about 100 points because of this Chase card. I called Chase, explained my frustration, pay the entire amount and close the account. I asked them to send a letter to me stating that this mishap was due to wrong statement delivery option and customer ( I ) was not aware of the past dues. Initially the person I talked to promised that an email with this letter was on my way. I hangup and waited but no email arrived. I called again and spend over 5 hours of phone conversation with almost all of their different departments. They refused to write such a letter. Here I am with no proof at all became a victim of their system. I can not prove them that I talked to them couple of times over 2 years complaining about the same issue. I can not prove that I made changes on line to make sure they mail statements. They treat me like a liar trying to take advantage of them but they are the one who charge me {$78.00} for {$10.00}. I demand their effort towards fixing my credit score. Because of them I can not refinance my house. Please help me to stop their abusive practices. Many thanks
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1400.00} XXXX XXXX {$480.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$10000.00}
Product: Checking or savings account

Capital one and my direct deposit. Typically received on Thursdays but never got it it so I call the bank they have no answers for me as to why my deposit hasnt hit all they said was their tech team was working on it and it would be resolved by Friday morning or overnight. Here it is Friday morning and still no deposit. I have people in my house who are insulin dependent and was not able to get their medicine. I asked capital one to approve a one time transfer to my cash app so I could get the meds and they refused. So now I will have hospital bills etc and had bills set up to be paid which have all bounced and incurred a lot of late fees and returned check fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial pulled an unauthorized credit report for me. See below : Phone : XXXX Elan Financial XXXX XXXX  XXXX XXXX, XXXX, MN XXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit which is finance by Synchrony Bank has ruined my credit by reporting a late payment for the month of XX/XX/XXXX. I have worked very hard to maintain good credit and this situation has caused me so much stress and sleepless nights. I have been in an on going battle with this company in regards to settling my account since becoming unemployed. I opened my account in XX/XX/XXXX at which time I signed up for their card Security program, which is advertised as a source of protection in the event you become unemployed or disable. The monthly fee for this program was {$230.00}, this fee is a percentage of the daily balance. I paid this fee and my minimum payment every month on time for over a XXXX years. Unfortunately, due to the effects of covid the company I worked for experienced serious financial hardship and laid me off. I contacted Card Security to inform them and to initiate a benefit claim. My minimum payment was paid for 3 months then all payments stopped. I was sent a letter stating that I had not submitted the requested documents needed to further review my claim. I called and spoke with a rep to explain that I did submit the documents by uploading them to their online portal. The rep stated that their portal was down and could not verify if my documents were received. The portal was down for over 3 weeks at which time I was told that I would need to resubmit the docs again. This went on for several months. I have submitted all documents and they keep giving me the runaround. They took my money for a over 2 years and at a time when I really needed assistance, I was denied and given 1000 excuses.. I have spent countless hours on the phone with a rep or on hold trying to resolve this matter to no avail. During this time, I've had to make my monthly payments while being unemployed. I received a letter in XX/XX/XXXX, stating that a payment had been made in the amount of {$700.00}, which did not satisfy my balance. When I called in to inquire why, I was told that my benefit was approved for " reduction in work hours '' and not for unemployment. I requested that my case be escalated to a manger and to this day I still haven't received a response or a call back. I have been charged with ridiculous interest fees. I need the late payment for XXXX removed immediately. My credit score has dropped over XXXX  points. All my other creditors show that all my payments are on time. I need this corrected asap.
Product: Checking or savings account

This is not really a fee question, but you didn't list an appropriate category. My issue deals with advertised interest rates ( APY ) and many " direct '' ( ie online ) banks specifically, CIT Bank. 

CIT Bank currently advertises a 1.55 % APY. This applies to amounts of money of {$250000.00} and below, which is where I fall into ( see attached screen prints ), but when I login to my account, it shows them paying me 1.05 % APY. 

On their website, in the fine print, it states that interest rates may change at any time. In their 44 page Account Terms agreement, they state " Variable rate ( the interest and APY may change at the Banks discretion, at any time ) '' My 2 questions : 1. Is it legal to advertise a higher rate today and not pay that rate today? 
2. When the bank states " at the Bank 's discretion, '' does this apply to all customers of that bank 's product or are they singling out certain customers? Could it be that for large accounts they reduce the interest rate because they don't want to pay out that money?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capitol one has violated my rights under XXXX XXXX Sec XXXX States i have the right to privacy XXXX XXXX XXXX Sec XXXX XXXX It also states a consumers report agency can not furnish an account without my written instructions. Under XXXX 's XXXX a creditor XXXX not treat a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

In XX/XX/year> I received a XXXX XXXX XXXX XXXX  Card in the mail that I had never applied. About a week later I received a statement that included purchases of {$900.00} for purchases made on XX/XX/year> that were not made by me. I suspected this credit was opened in my name fraudulently and I immediately contacted the bank servicer Fortiva ( XXXX XXXX XXXX ) on the account and asked that the account be closed immediately because it was identity theft and fraud and that the charges on the card be waived. They asked me a number of questions and directed me to the fraud department where I was asked and confirmed several pieces of personal information including my social security number. They then told me that the charges could not be waived until I submitted a fraud claim form in which they asked for more personal information including my address, phone number, social security number, driver 's license number, etc. I refuse to provide them with this information as I feel like someone stole my personal information and am very uncomfortable sending that information in an unsecure email or through regular mail for fear that it could be mishandled or stolen. They also wanted me to take the time and effort to file a police report. They sent me a letter refusing to waive the charges because I did not submit this form. Another store card with XXXX serviced by XXXX XXXX was fraudulently opened and charged in my name in the same week, but they did not ask me to submit a form in order to waive the fraudulent charge.
Product: Mortgage

Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. 

This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..
Product: Debt collection

I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes on XX/XX/2021 and XX/XX/2021 to Transunion and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account NumberXXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE CODE - 103 My personal information was stolen in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, Experian and XXXX credit bureaus. I would like this account deleted from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX, XXXX and Experian credit bureaus. I would like this account to be removed from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

back n XXXX of 2020 i saw two accounts that i didnt open with XXXX XXXX bank and reached out to get it removed to no avail now said account is on my credit report still and has been charged off due to someone making purchase on accounts
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX  because my paid-off auto loan isn't showing up on my credit reports from XXXX, XXXX, and TransUnion. The loan, which I paid off in XX/XX/2024, is completely missing from all three reports.
Product: Credit reporting or other personal consumer reports

In submitting this follow-up complaint, I wish to highlight my ongoing issue as a victim of identity theft, as previously reported under reference number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any items detailed in an identity theft report. Enclosed are documents aimed at facilitating the removal of erroneous and fraudulently posted items from my report. Below is a catalogue of items opened without my authorization : 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 XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to delete any items from a consumer 's file that the consumer identifies as resulting from alleged identity theft, within four business days following receipt of such a claim.