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

The previous dispute was not sent for a response, it was not found in the email. XXXX XXXX XXXXXXXX XXXX and during the period of " late payments ''. I was under the IL state program for financial assistance. In which the bank failed to communicate with the sate for payments over an extended period of time. I called to check and was told several times that the late payment won't post, as I was approved by the state assistance program and the BANK had to only process their end to receive the payment. The bank falsely lied to me on multiple occasions and still reported the late payment, even after being told by two people that it wouldn't be reported, as the STATE was paying the bill and already approved the payments. 

I want the records from the bank to prove that it was on them, why the payments were late and yet to receive a call back about the issue, after a few years of waiting and calling back to check again for the request. They continuously falsify statements over the phone and claim someone will call me back, when no one does. 

Under this own complaints departments - If a mortgage lender refuses or causes a payment to be late under their own authority or issues. Then the customer is not liable. At this time, The bank held a check for multiple weeks after it was mailed in 2017. Then continued to " wait for the point of contact '' to deal with the state after I was already approved for mortgage assistance. That's a banking policy issues and there is no liability or fault by the customer for the failure of the bank to find ways to accept or find the payment that was sent.
Product: Credit reporting or other personal consumer reports

This account is not mine XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently send a letter to Equifax regarding my name. Equifax has my name as XXXX XXXX XXXX XXXX, Im not a XXXX  I have send in my Drivers License so they can correct it but they still refuse to. And, they keep telling me that a bankruptcy on my court report came back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, Equifax and TransUnion is implementing it self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collection from cedar service business I dont know who they are or how they received my social number I believe this is from a data breach from XXXX and demand for deletion.
Product: Credit card or prepaid card

I was forced to change from an Amscott card that I used for years without a problem to an XXXX Card which was trying to " be much more than a pre-paid card '' and for my first big purchase I put a large amount to my XXXX Card for a Valentines Day dinner last night I found out my card had been compromised that day and my dinner and my card where denied. 
This caused a huge embarrassment and loss of potential employment when my fellow diners saw that my card was declined. 
I called the number when I got home and found that a unauthorized purchase had been made that very same day. XX/XX/2022 which put my card below the very expensive dinner I had planed to pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have a credit card with Chase Bank. I am paying off the balance I have accumulated and can not change the amount of my monthly Automatic Payments. Neither the XXXX customer service representatives, nor the Online Banking, allows me to adjust my monthly payment. I am locked in at a low-level payment called a " Blueprint Payment '' that does not allow me to choose my payment amount. Instead, their computer chooses my amount. I think it is this way so that the company can make more money on interest payments against my balance. As far as I 'm concerned this practice is fraud, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX on XXXX on XX/XX/2022 using a loan from affirm. The bag arrived with staining and a strong smoke order that wasnt disclosed at the time of the sale and was missing the crossbody strap. I contacted XXXX about being refunded they said for me to file a claim with XXXX  but when I contacted XXXX  they said that XXXX would have to file the claim as they didnt send a bag to me with staining, smoke odor and missing strap. They eventually agreed to refund me after I posted on their social media pages several times as long as I sent the bag back to them. I sent back the XXXX XXXX bag and the XXXX tracking number is XXXX. XXXX said a pink bag was in the box and included a blank picture attachment to the email and mailed me back a pink purse denying my refund. I did not send them a pink purse so I sent it back to them ( tracking # XXXX ) because that is not what I sent to them and they never sent anything back. Affirm ruled in the merchant favor. The merchant kept the XXXX XXXX XXXX I sent them and is making me responsible for paying for merchandise that I no longer have. I contacted Affirm asking for copies of documentation provided from the merchant in regards to the dispute and they refuse to explain to me how the dispute was closed in the merchant favor being I shipped the item back to them and then refusing to process a refund. Now Im stuck with a loan that I dont even have the merchandise for.
Product: Credit reporting

Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. 

XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... 

















XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. 




If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. 




Yours Truly
Product: Credit card

synchrony bank has the care credit which offered 0 % interest rate couple year ago, all of sudden they charged XXXX {$3000.00} for the interest charge, it was not clear on their statement nor at the time applying for the credit card. They misled customer to apply their credit card, and adverting for free interest rate, but they are trap people for the der interest charge after period of time that people not aware of this deadline and they charge a huge amount of interest without any notice, we also try to negotiate with them through phone call, but they said, they understood the situation but not to resolve it.
Product: Credit reporting or other personal consumer reports

In regards of numerous attempts and providing extensive documentation to have these inaccuracies corrected, these late open accounts continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why these late open accounts continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The following accounts should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$710.00}.
Product: Bank account or service

I deposited a check to my brother account at bank of america ATM, unfortunately I did n't know my name was n't added on his account, so bank of america kept sending us a photocopy of the check, they did n't send us the substitute check or check XXXX. However, all financial institutions refused to negotiate this photocopy they had sent us including bank of america itself.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX ", I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXXXXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting

i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home mortgage today at 2 banks ( XXXX XXXX  and XXXX XXXX ) and was denied. I found out from XXXX XXXX XXXX  that the reason was my low credit score XXXX, which they obtained from TransUnion. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ). From TransUnion, my credit score was XXXX. 

I called TransUnion and asked about the the discrepancy and was told that the problem is likely the third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called XXXX  XXXX and after a very extensive hold, I was told by a customer service agent that the the score came from XXXX  XXXX XXXX XXXX XXXX, and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application. 

Attached are my credit score from TransUnion website, which I had to pay $ XXXX/month subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and TransUnion as the source of the info. The letter also states XXXX XXXX as another credit info source.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern regarding the disputed accounts currently listed on my credit report. Despite repeated attempts to address these inaccuracies, I have yet to receive any satisfactory resolution or corrective action. These errors are significantly impacting my credit profile, causing severe hardships and affecting my ability to manage my financial affairs effectively. 

The inaccurate accounts in question have tarnished my credit file and are unjustly impeding my daily life. Therefore, I urgently request your immediate assistance in conducting a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken promptly to rectify and update my credit report. 

I kindly ask that you initiate the investigation process without further delay and ensure that all erroneous information is corrected in accordance with the Fair Credit Reporting Act. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

Your prompt attention to this matter is greatly appreciated. I look forward to your swift response and the resolution of this issue at the earliest convenience. 

Thank you for your cooperation and understanding.
Product: Debt collection

On XX/XX/XXXX about XXXX XXXX, I received a call from collection agency. Prince-Parker and Associates, Inc. 

Prince-Parker & Associates , Inc. employee, XXXX XXXX : who has no employee ID, but did give an Account number XXXX as overdue for {$160.00} XXXX said right at the beginning of the conversation that she was reporting me to the collection agency today, XX/XX/2020, unless I paid today and my credit would be impacted unless paid today. 

I asked her to please make sur e conversation Is recorded and give me record identifier of this call. XXXX defused and said their company does not have any procedure to identify a call. 

Next she said that collection letters were previously sent to me, from Prince asking for payment. She read me the letter and date of the letter she said was from Parker Prince to me from weeks ago. 


I asked her to send me the letter. 

I told her I am tremendously familiar with the bill and it is an error on XXXX XXXX and already received one apology from them incorrectly billing XXXX  XXXX, when we disconnected the service and went to XXXX  internet. 

I told her I never received that letter and her reporting me is defamatory. I asked for the letter be emailed to me. 

By the afternoon, I did not get the letter and Called back today and got XXXX supervisor. 

I again requested the letter XXXX said Prince sent already. 

The supervisor sent me a letter from Prince dated today!!!! 

There was no earlier letter than one from today. 

Also the e XXXX XXXX account they are attempting to collect is in error and not owed. We have proof. 

We had XXXX  home phone, XXXX cellular service and XXXX XXXX and discontinued XXXX  when we started XXXX - I have receipt of paid in full for att uverse. 

Regardless, we spoke with XXXX at XXXX  employee ID XXXX MADE a ticket XXXX and said it would be fixed within 24 hours and Att would remove the bill and inform Prince. 

Prince Parker, through XXXX, regardless, threatened to report today to the credit bureaus on the phone call this morning, at XXXX XXXX if payment was not received today. That was their first contact with me. additionally it is pretty clear they also lied and made up a story about previous correspondence Additionally she read from a letter she said was from Prince to me and mentioned dates of letter weeks ago and she said was mailed from Prince to me demanding payment and I ignored their letters. 

I am pretty sure this too is a made up story and a strong arm tactic. 

So, as a recap this prince Parker collection agency seems to be scamming people.
Product: Money transfer, virtual currency, or money service

I have contacted Gemini Trust Company , LLC many times and provided them all of the necessary documents but they have withheld my cryptocurrency for more than 2 months. This is fraud!
Product: Credit reporting or other personal consumer reports

I received several alerts this morning regarding my credit report. I have a significant decrease in my score... XXXX points decrease ... .why??? The ONLY change was XXXX adding an account to my report.. I NEVER ONCE asked XXXX to add another account or card and then to my report another card! In fact when I saw this upon logging in the XXXX I contacted support right away. I have my emails. I want my account fixed ASAP. I am in the process of underwriting. This is not at all acceptable. Companies should not get by doing this, charging me to help my score and as the attached proves it's actually hurting my score. I expect this to be fixed it ASAP. I don't want one of their emails with it's only temporary or not to pay attention to XXXX XXXX etc ... Because that's what I get back from customer service.
Product: Student loan

Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.
Product: Payday loan, title loan, or personal loan

I have been getting constant harassing phone calls from Onemain financial services, stating that I need to pay my title loan. As, I have already catched up to my previous amount owed. I mentioned to them ( Onemain financial ) that, I have been injured in a commercial car accident. And, I had been paying an insurance with the car loan, WHICH the insurance company has paid the loan amount into my account/balance. They keep calling me, when in fact the actual XXXX payment is not due until XXXX XXXX of this year. They are disregarding the letter the main corporation sent to my previous case attorney, XXXX. They keep calling me and pressuring me to pay something that is not due for a couple months.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX SERVICES XXXX