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

My name is XXXX XXXX and my account number was XXXXxxxx I have disputed inaccurate reporting from Huntington Bank 3 Times. Each of my credit Bureaus have different payment history which changes each time its diaputed. There are current payments followed by 120 days late which makes no sense. I lost a job of 8 years and it appears the only thing they want to do is negatively impact my credit with inaccurate negative reporting. Each bureau report is different even though theyve been disputed 3 times to be updated. As an example on report shows the ending of XX/XX/XXXX 30 days late. The other two show XX/XX/XXXX 90 days late after being 120 days late and paid in full the month prior. Please update my payment history correctly. You cant be 60 days late in XX/XX/XXXX but paid in full the month before. 

The most recent disputes I have sent were in XX/XX/XXXX, XX/XX/XXXX and XXXX. 

I have attached images of my report I can also locate the confirmation receipts from mailing them certified. 

Please correct my payment history or delet the account from the 3 Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$110.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXX XXXX XXXX XXXX  with the original creditor listed as XXXX XXXX, XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been severely XXXX  for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. Someone has been using my identity fraudulently and creating fake documents with my information for financial gain. Date collection opened : XX/XX/XXXX XXXX : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Product: Credit card or prepaid card

I opened an Amex XXXX XXXX card in XX/XX/2022. As a part of opening the card, there was a promotion of XXXX skymiles points if XXXX or XXXX $ was spent within the first XXXX months. I used the card to make a $ XXXX purchase within the first XXXX days. I called to confirm that I had reached the terms of the promotion and to ask when I would receive the skymiles points. I was informed that I had achieved the required terms and that I would receive the Skymiles points after XXXX months or XXXX statement cycles. After that conversation, I called to inquire about closing my XXXX Amex gold card. I asked if there would be any issues with the points on the XXXX card or the XXXX card. I was told no issues and continued with closing the Amex XXXX gold card. Today XX/XX/2022, I called to inquire about the promotional Amex XXXX XXXX card points that I was told I would receive after the XXXX cycles/months. I was informed that since I closed the gold card within the XXXX months/cycles that it had voided the terms of the promotional offer. The terms of the offer that were cited are the following : " Welcome offer not available to applicants who have or have had this or previous versions of this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. ". I told the representative that I was misled and that the wording in the terms was very vague. I asked to talk with a manager and was told that I was talking to the equivalent of a manager. The issue was not rectified during the call and I submitting this to ensure that the issue is appropriately investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to request your kind assistance regarding the late payments on my account ( Account # XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I kindly ask that you consider removing these late payments from my account and re-reporting them as current. 

I understand that late payments are serious matters, and I take full responsibility for the financial obligations associated with my account. However, I would like to provide some context and explain the circumstances that led to my inability to make timely payments during that period. 

In XXXX of XXXX, I experienced a heartbreaking event when my beloved cat was tragically hit by a car right in front of me. Witnessing that accident, combined with the loss of my husband earlier in the year, plunged me into a deep XXXX. My cat was more than just a pet ; she was my constant companion and a source of comfort during a challenging time in my life. Losing her further exacerbated my emotional distress. 

As a result of the immense grief and XXXX, I found it extremely difficult to cope with my day-to-day responsibilities, including managing my finances. I fell behind on my work obligations and subsequently struggled to make payments on all of my bills, including the outstanding balance on my Capital One account. 

However, I want to emphasize that I have made significant efforts to address and overcome these hardships. Through months of prayer, therapy, and personal determination, I have managed to overcome my XXXX and return to work. I am once again able to meet my financial obligations promptly and responsibly. 

Given my improved circumstances and the sincere commitment I have shown to regain stability in my life, I humbly request that Capital One considers removing the late payments from my account. By doing so, it would greatly assist me in my ongoing home buying journey and provide me with a fresh start towards financial stability. 

I understand that this request may not align with the standard procedures, but I sincerely hope that you will review my case with empathy and understanding. I believe that everyone deserves a second chance, and I kindly ask for your support in rectifying the negative impact of the late payments on my credit history. 

Thank you for taking the time to consider my request. I genuinely appreciate your attention to this matter. Please feel free to contact me at the phone number or email address associated with my account if any additional information is required. I look forward to a positive resolution and your favorable response. 

Yours sincerely, XXXX XXXX
Product: Student loan

ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, on cashapp I had sent a receiver {$280.00} for concert tickets. The receiver received the money and did not transfer the product on time. I have requested a refund and the receiver has not been responding
Product: Student loan

I consolidated my student loans with Navient XXXX and I was on a Pay as you Earn repayment plan. There was some issues with my taxes and my wife 's income increased for a short period and was then gone. I had to recertify and went through process and tried to explain that I no longer have the income reflecting. I recently had a number of my loans forgiven due to issues with the XXXX XXXX XXXX and think it has something to do with it. Navient deined my request for an adjustment and have sent me a number different reasons with little to foundation. I am unable to pay these loans and will soon be in default. One of the denial letters states that my loans were opened in 1993 when I was just XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I paid my loan, but had past due membership charges, so they wouldn't let me cash out my investment. They are reporting my membership fees on my credit like it is my loan, although that is paid in full. They also have incurred {$850.00} of late fees on my account. I couldn't cancel my membership because I was past due, so they just kept incurring fees. The wait times to speak with anyone is ridiculous, and when you do speak with someone they can't do anything to help you, they just tell you the only way to help you is to pay your balance. I don't care about anything like the money in my account - which by the way they won't apply to any balance I have ever owed, even when it was more than my past due fees. I want it off my credit report. This company should be investigated, shut down, and not allowed to operate ever.
Product: Mortgage

I have fallen behind in payments due to a loss of job and health issues. I contacted my mortgage company for assistance and was told that a modification would not work for me because I have a lower interest and modifying would only give me a higher mortgage payment. At this point I called Hud to apply for an attorney to get legal help yo file bankruptcy. During the call with the HUD counselor he advised that my mortgage company had other options to provide me with and that they can assist in other ways so that my monthly payment doesnt have to increase. The counselor calls XXXX with me on the phone and now this representative is saying something totally different. I was told to get a modification In as soon as possible. I sent the modification In and never heard back from anyone. I finally called XXXX weeks later for the status and was told I needed XXXX documents. I sent them in that day agai. XXXX weeks went by and I called to check the status and was told they closed my case because I failed to send in documents, but I have the emails and the date they were sent. So now the reason changes and they said we got them but one didnt have a signature. When I asked why I didnt get a call or letter I was told they called and couldnt leave a message due to my voicemail being full. That was a complete lie, I asked what a letter and they said they sent a letter out on the XXXX of XXXX letting me know my case was closed. They had XXXX weeks to contact me by phone or mail and their excuse was I should of followed up with them. I need to have things in writing when it comes to dealing with this company. Every representative within this company has given conflicting information to me, their is no consistency. They talk down to you they are rude and lack compassion. I literally get anxiety when I have to call. Well needless to say Im told my case is closed and I have a to start a whole new modification. This company puts on a great act but do nothing to help or reach out to you. They told my HuD counselor they would email him with info on who my investor was that never came. They still havent told me if my loan was FHA or not, I asked for info as to why my mortgage was increasing XXXX rep said it was my escrow another rep said it was my variable interest but I have yet to receive accurate answers. I have been told by the last rep that the company was selling XXXX as of XX/XX/XXXX, and that we would receive a letter, but during the last conversation with the manager advising me of the closed modification she stated that she knew nothing about XXXX selling the company and said her emails are full so its probably in there and she hasnt read it yet.. Her name was XXXX and I have this phone call recorded. This company is playing games with lives, lying, being unprofessional, pretending to help and lying about documents they received just to stop you from getting a modification and force you into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I asked Regional Acceptance Corporation on XX/XX/2021 why do I owe them a debt, why is it valid, and to verify why I owe them a debt because I don't believe I owe them, they sent me a contract. The contract they sent for verification is completely illegal. I assumed I was the original creditor, as well as a consumer making a credit transaction with a finance charge involved. I can't pay that in cash and I do not recognize this illegal contract they sent for verification. I believe they should take it off my consumer reports and files and remedy me for their violations.
Product: Vehicle loan or lease

So back in XXXXXXXX XXXX XXXXXXXX I had accidentally made a double payment for {$500.00}. I called XXXX and asked how do I go about them reversing this. The representative I spoke to had told me that there is no way possible on their end to reverse the charge. However she stated that. Should call my financial Institution where the money was coming from ( XXXX XXXX XXXX XXXX ) and have them do a stop payment and stop the charges from going in and once that was done and I got the money back to just go back in to the SDCCU app and make the payment. I asked her to ask her supervisor would there be any fees or inconvenience I would run into if I were to do this. She then proceeded to ask her supervisor and came back on the phone and said no that I should be fine. When I went back in to the app a couple days later to make the payment as she told me I would be able to do my online payment features were disable & I was instructed to call XXXX. I proceeded to call and they said that my online features were XXXX for having the transactions reversed. I then asked for a manager/supervisor to give me a call. Someone from management gave me a call a couple business days later and I explained the situation to them and she then told me for now the only way I could make a payment was through my financial institutions bill pay ( XXXX XXXX XXXX XXXX ). She said she would investigate and get back to me. She got back to me and told me that my online features were disable for a year until XXXX of XXXX. So I will have to continue using bill pay or going into a XXXX branch location to make the payment. I stated that going to a branch location would be impossible as I had moved out of state, so bill pay it is. Fast forward to XXXX of XXXX and my online features still hasnt been reactivated and I am being charged a {$25.00} fee every month I make a payment because I make the payment on the XXXX of everything month through my financial institution ( XXXX XXXX XXXX XXXX ) however since they have to electronically send a check or physically mail out a check SDCCU. SDCCU doesnt receive the check on time. I as the consumer am having to pay the extra money and fees all because a representative and their supervisor made a mistake. I cant control the United States postal service delivery time nor can I control when my credit union procresses and mails out the checks. I am asking for these fees to be reversed and my online account services be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to XXXX XXXX and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

On XX/XX/XXXX, I received a letter from Synchrony Bank above changes to a XXXX XXXX rate I received for a bed/mattress purchase at Mattress Firm  on XX/XX/XXXX. Synchrony Bank noted that the interest rate was being raised to 34.99 % on transactions posted after XX/XX/XXXX. At this time, they would also be applying a 2 % fee on promotional transactions with an 18 month or greater duration. In my case, I am subject to a {$36.00} fee, despite maintaining current and timely monthly payments. Expanded over the population and customers directly affected by this same fee, it seems like an unjustified and predatory approach to credit.
Product: Debt collection

XXXX I'm unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not please delete account XXXX or I will take legal actions
Product: Debt collection

On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5. 
Last but not least I have never signed a contract with the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Bank account or service

In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!
Product: Checking or savings account

Bank of America was contacted in XX/XX/XXXX by me requesting closure of my account. At this time I discovered monthly maintenance fees had been applied to my account for several prior months. I requested a refund of these fees as they were unexpected and I no longer used the account. I was informed that I would need to leave the account open and also wait to receive a call back from a manager in order to contest the charges. I did not receive a return call, and by the time I recognized the error, 3 more maintenance fees had been applied. Bank of America representatives refuse to refund any more than 2 of the 10 maintenance fees assessed. 

I consider none of these fees to be valid. I consider the addition of fees after an account closure request to be unethical, failure to return contact as promised to be irresponsible, and the resultant costs to be entirely the fault of Bank of America 's errors and ethical failures.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX of XXXX, Texas. 
XXXX of XXXX sent the finance company Truist Bank information for XXXX XXXX that cost {$23000.00}, in which the price of the vehicle doubled in charges for the vehicle that cost XXXX dollars. The total loan amount was XXXX dollars. I tried to refinance the loan with a credit union and was advised the total amount for this vehicle was overpriced and double price for the vehicle. And they added fees and interest that was not supposed be added. I was taken advantage of at the car lot of XXXX of XXXX, Texas. The value of this vehicle was not submitted on an honest level of business for a customer that has excellent credit.