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

I am writing this petition due to a 30-day late payment for XX/XX/XXXX showing on my credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. However, it unfortunately appears that I did not receive a billing statement notification to alert me to a debt owed & due date ( which I was not aware of ). I take great pride with ensuring all my debt obligations are paid on time as your records will show I have had my account with Target since XXXX with perfect, on time payments up until this missed billing. 


I am in the process of applying for a home loan and the negative impact of the late payment could result in a denial of my loan due to the XXXX FICO point drop to my scores since the missed payment was reported to the bureaus. I am requesting ( begging XXXX a goodwill adjustment to remove the XX/XX/XXXX 30-day late payment from my XXXX XXXX and XXXX  credit reports as the correction will allow me to proceed with the home loan for my family. Given the global pandemic of XXXX and the ramifications of that, it is my hope that Target will have empathy at this time and restore my good credit standing with the bureaus.
Product: Debt collection

This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
Product: Checking or savings account

XXXX XXXX removed over XXXX  from our business account by mistake we call them and they returned our account, but chase has refused to move the money to our account and said that the process takes 24 hours which its undesirable, but it has taken obverse 5-6 days now and they havent returned our money in to the account and now they are saying that the money will be in our account until XX/XX/XXXX, this is totally outrageous, we are now encouraging in late fees on other accounts because of chase holdings our money so long.
Product: Vehicle loan or lease

This company continues to discriminate, against XXXX XXXX, please be advised im placing leins with thier legal dept, through the attorney general office of thier corporate office, these people have went against every fcra rule there is, I'm requesting a litigation hearing with corporate office immediately
Product: Credit reporting or other personal consumer reports

THIS IS NOT OKAY. There are accounts and transactions under my name which are fraudulent or have resulted from fraud and I have never benefitted from any it. It's making me anxious and stressed out, I have already reported this to FTC but they are still appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any idea why these people are constantly call my phone and they were calling my job at one point. They call from different numbers. I block them and they call from another number they just switch up the last two numbers!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

Merchants is reporting on my Experian credit report and should not because I had two insurance at the time and they did correct it and I was told that it was taken out of collection and I have proof and it has been deleted from my XXXX report and XXXX. Also XXXX is reporting on my Experian report and it should not be because it was deleted from my XXXX report and XXXX report.
Product: Credit reporting or other personal consumer reports

Disputed account with Discover, let them know it wasnt mine, asked for an itemized list to explain to them that I was a High school XXXX XXXX XXXX and the account was opened by my father. They refused to fix the mistake and instead reopened the account and pushed the credit limit to its max well pass the original amount. Then told me to dispute new amount. I disputed the new amount and they again increased it. The account was previously closed and they moved it to an open credit card to further hurt me score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect XXXX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on experian shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
Product: Debt collection

On XX/XX/XXXX My wife was contacted by phone for a agency trying to collect a debt from HSBC credit card they said I opened the account on XX/XX/2013 what is totally false. They have my social security number and my date of birth and because of that they treating to take me to court and make my pay more than {$2000.00} for {$650.00} credit card debt that I never requested. The lady on the phone saying my wife that they will take me to court even though she keep telling her that we I never asked or used that credit card. 
I called to HSBC and they confirmed that I don't owe nothing but this lady in XXXX XXXX XXXX keep treating us to take me to court because according to her I applied for that credit card.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6900.00} Date of Account : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am highly upset the credit agencies have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mines to be deleted and block from my credit report immediately. It's been more than 30 days, and I haven't received anything. I've did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately delete and block them. Also, section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my notarized letter I am demanding these items be deleted immediately or I will have to file litigation due to the stress you are causing to me and my family. I am authorizing this investigation this is not a third-party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the XXXX  to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit card or prepaid card

I purchased a ring in kay jewelers in XXXX  all around XX/XX/XXXX for a XXXX  present. The ring fit big and my husband decided that he wanted to return it. On XX/XX/2019 I physically went to the store and return the ring. At first they stated that they would return the amount to my credit card account with commenity. After a month I got a bill from genesis for {$800.00} ( amount paid for ring ) I immediately called kay and they said that they issue me a refund for it. I checked my comenity account and I had a positive balance on mu favor for {$800.00}. Since then, mid XXXX, I have been calling kay to tell them they credited the wrong account/company and they said I have to contact comenity. I contacted comenity and they stated they could see the positive balance on my favor and they would send me a wire transfer and I gave them my bank info and they gave me a confirmation number. After few days I called comenity again and then they said they do not do wire transfers anymore but they will send me a check for the {$800.00} balance in my favor. Here we are middle XXXX and still have not received a check and the other company, genesis, it is still charging me, I have not paid because I have not received the money from comenity, for it and treating me to report negative info to my credit report. When I have called comenity I always get the same answer that I will get check in the mail but have not get anything yet. I have spoken to at least 7 people including three supervisors. Please assist me with my issue I am desperate and not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 state 's I have the right to privacy. 15 USC 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX claims to have taken off all of the outdated addresses I requested. The following remains on my report after repeated requests and their repeated claims to have removed it : XXXX XXXX XXXX XXXX, XXXX XXXX, CA. See attached page from my actual credit report ran XX/XX/21. 

2. Sequium and XXXX have both failed to resolve the issues with accurately reporting this item on my report. Therefore I am requesting it be removed permanently from my report per the FCRA law concerning inaccurate items that fail to be corrected. See attached page from my actual credit report ran XX/XX/21. 

It is my legal right to request this item be removed from my credit report since neither company has the ability to read and compare basic information provided to them.
Product: Bank account or service

Direct Express Bank in XXXX XXXX, TX, call me and said there was Fraud against my account in XX/XX/2016. I will send you information to return back to us and open your claim. I sent the information in and I called them two weeks later. They said they never received it. I called two more weeks. Direct Express said the claim was closed due to you not sending in the information. I told them I did, so they told me to write a letter with the information and they will open the claim. I did what they said and I call them a week later and they did not receive it. I call again, they did not receive it. Direct Express told me to write another letter. I verified their address ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I sent the letter again, however, like always, they never received it. Next, they told me to fax it in to ( XXXX on XXXX XXXX, 2016 ). I tried to fax it but received busy all day, until 6 hours later. The Fax went through with confirmation. I called a week later, they said they never receive my fax. XXXX XXXX, 2016, and ask to speak to a Supervisor and the Supervisor said, she never receive the fax or letter. She said I need to send it to ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I explain to her that this is frustrating and she said I 'm about to release the call. I told her do n't hang up the phone and she did. My wife witness the entire message because I had it on speaker phone. The currently owe me over {$420.00}. The person doing the fraud was taking out a little bit at a time. I requested additional Bank Statement from them and never receive it. I believe more money was taken from my account. I believe employees inside of Direct Express in ripping off consumers because this third party bank was design for people to receive their social security money and XXXX veterans. I do believe someone on the inside is ripping consumers off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.
Product: Debt collection

I recently noticed this past XXXX of 2022 that I had a collection from this company however I did not open this account or have any knowledge of it. I contacted grain customer service support and the representative told me it was marked for deletion from the credit bureaus. However it still appeared on my credit report and I filed a dispute through XXXX and they said the information was accurate although this customer support representative told me it would not be on my credit report. I dont even know the login into this account or what information is uploaded to it. I have no received any kinds of letters in the mail with any information about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account ( XXXX ) was written off and closed with a {$0.00} balance on XX/XX/XXXX. However, Experian Payment History has marked this account as Charged Off ( CC ) every month from XXXX XXXX  through XX/XX/XXXX. 

Although the account was closed in XXXX XXXX the account appears as an open account that I have missed making payments from XX/XX/XXXX to the present. As a result of Experian 's inaccurate reporting, my credit score has dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 202.12 of the " Equal Credit Opportunity Act '' creditors must retain applications for 25 months for consumers The clock on retention begins on the date that a creditor notifies an applicant of action taken on an application or of incompleteness.
Product: Debt collection

This is a record of my transactions with Cascade receivables managment LLC. 
In XXXX of XXXX I received a letter from Cascade claiming I owed a debt to them for a medical procedure I had back in XXXX. I contacted them by phone and spoke with them. I explained that I was sure I had paid the balance down to nothing. I then looked through old receipts until I found a screen shot that showed the account no in question had been paid in full. The screen shot is from almost a year after I had the medical service which corresponds to the fact that I had been making payments on that account until I had paid it off. I provided a copy of this to them in an email sent to one of the managers that works for Cascade.The email was dated XXXX XXXX. They never provided any response. On XXXX XXXX they called and acted as if I had not been in touch with them. They were attempting to collect the debt all over again and asked for payment. Cascade has not been able to provide any official record of the debt, and are asking for payment on an account that I can prove has a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EXPERIAN and providing proof they still have refused removal.
Product: Checking or savings account

I filed a dispute after my card was stolen XXXX. Once for XXXX XXXX and another time XXXX XXXX  back to back. The bank chime did not issue a credit with a police report and documents attached. I want a refund to my stolen money.
Product: Debt collection

This company continues to report incorrect information on my credit report. They are considered a junk debt service taking advantage of the system. It is against the law to report inaccurate information on credit reports. Junk debt collector and they do not have the right to report inaccurate information. There is no way that they verified this information because it does not exist. They have no record of my information in their system, yet it continues to be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian taking for ever to remove my security freeze and fraud alert ftc law saids they have to remove it within 3 hours of the request
Product: Mortgage

On XX/XX/ 2022, I spoke with a counselor at XXXX XXXX XXXX and Select Portfolio Servicing inc. a conversation that was recorded ( please see complaint # XXXX ). During the conversation the representatirive from SPS told me that I was going to be three months behind and facing foreclosure soon even though I was in forbearance. They told me that they had started a special account of unapplied accounts and that I had a balance of over {$400.00} and that if I paid {$350.00} dollars that suddenly I would not be 3 months behind in my mortgage payment, but rather only two. This was a secret that the representative said SPS didnt really want her telling me. My mother who is retired and does not have much income wanted to stop SPS from foreclosing on me. She was generous enough to pay {$350.00} to SPS on XXXX2022. This is how SPS tricked me and my mother into paying them an extra {$350.00}
Product: Debt collection

I was left a voicemail by the number XXXX stating the were serving me papers XXXX at my house to work, they left me this number to arrange delivery XXXX. I called and left a voicemail with no return call back. I called this morning with no answer and they returned my call from a different number stating that I owed money to XXXX XXXX XXXX and that they wanted to set up a payment plan with me and then asked him to prove that I owe the debt. He said he has done that Mention address that is not mine so I have not received anything. I hung up on him when he told me he was suing me and garnishing my wages. I am unaware of this debt and have never been given proof that I owe it. look on PA dockets and see that I have a docket there and I was never notified of it. Not to mention this is contacting me by my previous married name which changed in 2008 I believe they have reached the statute of limitations on this.. Not to mention this is contacting me by my previous married name which changed in 2008. I believe they have reached the statue of limitations on this but again they are not proving to me that I owe the debt. I am very confused on where I go from here, when I called that number back, they told me they were ever clear dispute management, but the docket says that it is XXXXXXXX XXXX 
I dont understand any of this.
Product: Credit card

I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.
Product: Credit card

Another email was received from Chase ( see attached ) saying, " Thanks for requesting a new credit card. '' I did not request a card from Chase. Because Chase had a fraudulent application in my name in XX/XX/2023, I called to see if this was another attempt. On XX/XX/2023 the application team stated there were no applications under my SSN or name. On XX/XX/2023, Chase fraud team also stated that there were no applications under my SSN or name. I asked why I would have gotten the email thanking me for an application and was told it was probably a phishing email with fraudulent links. I have checked the links and it does not appear to be a phishing attempt but appears to be from Chase. With the fraudulent application in XXXX, Chase kept sending " thanks for applying '' emails every time I called them. It appears Chase has a problem with their system. I submitted XXXX reports to CFPB, XXXX for the fraudulent application and XXXX for the problem with the " thanks for applying '' emails. The XXXX email came from XXXX. There were XXXX links in the email 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. I am sending these for Chase to determine if they are phishing or to confirm that Chase is sending these emails so they can correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXX XXXX  Account Number : XXXX 2. Account : XXXX XXXX Account Number : XXXX 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 a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.