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

Dear, Consumer Financial Protection Bureau, I am writing to dispute one late payment entry on my credit report that was reported by THD/CBNA. The account in question is a credit card account that I have held since XX/XX/XXXX. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, a payment was made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Home Depot account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ). Throughout my time as a Home Depot cardholder and military member, Home Depot has been very supportive of my military commitments, and they extended their support to me during my financial hardships and helped me get two HVAC systems for my home through The Purple Hearts program. I am a 100 % XXXX veteran, and I appreciate what they have done for me in the past. I would like to request that Home Depot remove the one late payment from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Home Depot to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Home Depot and XXXX remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

LexisNexis stated they verified information on me. I am requesting an immediate reinvestigation of this matter. I do not believe this information is and LexisNexis has provided me with no evidence to inspect. 

Provide me with the method of verification LexisNexis used to determine this information is correct. 

Inquiry Records : XXXX WRITTEN CONSENT - PREQUALIFICATION 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 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 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 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
Product: Debt collection

Received letter from XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Stating I owe XXXX XXXX They are providing no information. No specifics. I don't know who XXXX is. 
Letter date XXXX
Product: Credit card or prepaid card

In the month XXXX, 2020 during the lockdown from COVID-19 I ( XXXX XXXX ) attempted to make a payment several times over the phone, to a closed CitiBank credit card, but I was unable to get on through. During this time the Banks were closed, and my online account was inactive. I was under the impression that CITIBANK/CITICARD were aware of this difficulties, especially given that it was report on the news that payments during the time would be postponed and without penalty. Even the president said it ... To my surprise I received an alert from credit monitoring system, stating that I had negative remark on my credit report from CITI. At this point I'd not had any missed payment on that account to date, four year from open date. I was finally able to get through and make payment in full. I contacted CITI to file a dispute and I filled a dispute with the credit bureaus ( XXXX, XXXX, XXXX  ) stating reasons. And up till today XXXX, XXXX CITI have not removed those remarks from my credit profile. This was during the total lockdown period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written twice since XXXX to Trans Union for the to validate Two collections that seem to just be reported by them first is by XXXX XXXX XXXX # XXXX for {$990.00} and second is by XXXX  XXXX XXXX XXXX for {$160.00} and they havent responded I certified mailed them a letter asking them to please removed if not certified and they havent responded I did received back sign confirmation that they received my letter but nothing else
Product: Student loan

1. XXXX  of XXXX  account no. XXXX being reported multiple times on all three bureaus. 

2. Balances incorrect
Product: Credit reporting or other personal consumer reports

XXXX unauthorized hard inquiries from XXXX that appear on my credit report. These inquiries, dated XXXX XXXX XXXX were made without my express authorization or a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports to entities with a legally permissible purpose, such as consumer-initiated transactions, court orders, or written instructions from the consumer. I have not applied for credit, authorized, or otherwise initiated any transaction that would justify these inquiries.

According to 15 U.S.C.1681i, I am requesting the immediate removal of these inquiries unless you can provide verifiable documentation proving that I authorized them. Failure to remove these inquiries could result in legal action, as courts have consistently upheld consumers ' rights against unauthorized credit inquiries. Relevant case law includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court ruled that an entity must have a legally permissible purpose before accessing a consumers credit report. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court found that merely offering credit without a firm offer does not constitute a permissible purpose. 

Please be advised that failure to act in compliance with the FCRA may result in civil litigation. I expect a response within 30 days, as required by law. You may send your response to the address listed above. If you require additional information, you may contact me via phone or email.

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer through my wells fargo account in the amount of {$280.00} on XX/XX/22 and right after I did it I realised that I was scammed, I immediately called my bank to cancel it, they said its impossible since it has been posted, thery offered me to submit a claim and a few days later I received a letter from my bank saying that the other institution refused to refund the money, I am desperate and disappointed Please help me with further instructions Thanks
Product: Debt collection

XXXX had judgement for {$2300.00}. They turned it over to Southwest credit. On XX/XX/2023 I paid debt off at a reduced rate. Spoke to a person who said his name was XXXX XXXX and said he was a supervisor. Asked for written confirmation and was assured it would be mailed. Called again XX/XX/2023 and was told they would email me. No email, called again on XX/XX/2023 and was told I would have a email within 72 hours. No email.
Product: Checking or savings account

My chime bank account which included my check-in and savings accounts both were closed on XX/XX/XXXX I was not told why they were closed out I was sent a policy to read that would describe part of the reason why my account was closed out that was the only evidence and or proof that I was sent as to why my account had been closed after my account had been closed I was told that I would receive my closure check with the amount that was in my accounts at the time of the closure I had to wait 15 business days for an investigation and then 10 business days after that for the check to be sent out and received in the mail after waiting the 25 business days I never received my check in the mail I let them know via email and they gave me the runaround and continuously avoided answering any of my questions and for almost 6 months now I've been trying to request my closure check from them just now today I spoke with them because I had waited 10 days again because they had told me on XX/XX/XXXX that within 10 business days I would receive my closure check because they had to send it back out and after confirming my address they had resent the closure check I've waited over 10 business days when I contacted them after waiting the 10 business days they didn't respond 48 hours after the 10 business days they responded and told me that the check would be sent out in the mail and then they sent me an account balance of {$0.00} in both my checking and my savings account this is completely false and fraudulent I would like the amount that was in my account sent to me like they were supposed to be sent out in the mail in the first place the amount should be {$82.00} and something cents for my checking account and there was only around XXXX cents in my savings account I'm not worried about my savings account as much as I am worried about the amount of money that was in my checking account at the time of closure that has been stolen for me at this point please help me recover my funds
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and there are some inquiries on my credit reports that were not authorized
Product: Debt collection

On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On our XX/XX/XXXXmortgage statement, my wife and I noticed a charge IAO {$500.00} for a vacant property preservation and a vacant property fee IAO {$500.00} which were both incurred in XX/XX/XXXX. Since we built this house in XXXX, this house has never been vacant and we have never been late on our payment with our servicer. None of the criteria necessary existed to trigger these events/charges. 

We called the mortgage company on XX/XX/XXXX and advised them of the situation and were advised this issue and charges would be resolved as they agreed the charges were not accurate and added in error. The resolution letter received 10-days later only gave the reasons this type of fee would have been added to an account. Again, we already understood why something like this would occur, but none of the events necessary actually occurred. 

The same charge appeared on our XX/XX/XXXX mortgage statement for which we called the mortgage company again and was assured this issue would be resolved. No resolution letter was ever received from the company from the XXXX dispute. 

We have now received our XX/XX/XXXX statement and the same charge is appearing. We feel we have now exhausted our options in dealing directly with the mortgage servicer and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX XXXX Between XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 

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. 

Best, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account Last Reported on   XXXX   XXXX   XXXX     by the  Collection Agency  called  XXXX   XXXX   XXXX   XXXX  from the Original Creditor  XXXX  still has not been removed from Transunion! I has already been removed from   XXXX   and  XXXX  and yet i am still here fighting with Transunion! They do not care that their reportings can affect you in everyway possible form jobs to housing and everything in between! This Is not right is is in no way legal. They should take tips from the ot her 2 agencys a nd take care of matters the right way and faster!
Product: Mortgage

Dear CFPB, Loan number XXXX Attached you will found a letter I wrote to Chase bank, someone from the bank left me a message, said the authorization is removed they refused to talk to me after I just sent them the citified mail with the court documents and death certificate showing I am the wife of XXXX XXXX, he passed away XX/XX/XXXX, and I am the only owner of the property, and I have been paying the mortgage since his death. 
Basically they always use the extra principal payment towards to next few months ' regular payments, after I called ( they admitted that I was authorized to talk to them before ) they correctted the mistake but the payment date was at a very late date not the date when you paid the large extra principal payment, so I paid more interest on the balance I already paid. They also charged one time interest {$240.00} on the statement of XX/XX/XXXX, which is not on the previous statement and interest was only {$190.00} on the previous statement with a higher balance ( before the extra principle payments were made ). 
I have contacted XXXX, the bank refused to answer the complaint I filed. 
The death certificate of my husband, two recorded court files are also attached. 
Sincerely, XXXX XXXX Below is the letter I sent to them recently. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Loan number XXXX Dear Chase, I have contacted you so many times regarding the error you made on the loan payments of the address XXXX XXXX XXXX, XXXX, ut XXXX I have contacted XXXX. 
I have attached two statements, dated XX/XX/XXXX and XX/XX/XXXX. On the statement dated XX/XX/XXXX, you stated amount due principal {$1000.00} and interest {$190.00}, the balance was {$38000.00}. After I made additional principal payment of {$12000.00} on XX/XX/XXXX, you charged me the interest {$240.00}, which is an error, please correct the error as I am about to pay off the loan. 
I am missing statements from XX/XX/XXXX to XX/XX/XXXX, could you send all the statements to my mailing address, XXXX XXXX XXXXXXXX, ut XXXX. 
Thanks, XXXX XXXX Again, I have attached the death certificate and court documents my lawyer filed showing I am the owner of the property, and I have been paying the mortgage since my husband passed away in XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Product: Debt collection

This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/23 to Experian and XXXX to remove erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Debt collection

Conns Appliance was contacted multiple times from XX/XX/XXXX to XX/XX/XXXX in regards to settling and/making payment arrangements to the account. The debt was sold to a third party company XXXX XXXX XXXX XXXX, who have previously received payments towards the balance. As of XX/XX/XXXX, XXXX has closed this account due to notification of Active Duty status and is no longer taking action on the account. Conns was contacted several times via phone and in-store, but continues to state they do not have the debt and that the debt still stands with the third-party recovery firm listed, even upon receiving notice of the contrary from the third-party itself. After stating multiple times that the recovery department is unable to send a bill, Conns has agreed to communicate via emails, callbacks, and letters with an update as to where this can be resolved, but they have yet to follow through. After several attempts to resolve the matter, no communication has been made with further information. Conns has failed to provide statements of debt validation, billing statements, dates of the debt, debt amount, to whom the debt is owed, verification that they are authorized to collect the debt, and also means to resolve this debt, while continuing to report that debt is owed.