23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an existing credit account with Guitar Center, which was originally serviced by XXXX XXXX. On XXXX, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of XXXX, XXXX and XXXX, I received no statements from XXXX XXXX. On XXXX XXXX, 2015 I received a statement from the new provider Synchrony Financial which had XXXX late charges assessed. When I called Synchrony they did offer to remove XXXX late charge, but resisted removing the other stating that fee was not assessed by them but XXXX XXXX. I 'm filing this compliant against both companies to resolve the issue and to remove any blemishes on my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, XXXX, and Transunion and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a fraudulent account listed. Please remove this account, as it is negatively affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I had in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complain on the following date ; XX/XX/year>. I am now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this debt. I monitor my credit with XXXX and in XXXX of 2023 or so I received notification that this account was posted to my XXXX  and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 

I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Debt collection

A company called Perfection Collection just reported two collection accounts on my credit report for {$2700.00} & {$2500.00}, respectively. Prior to these accounts appearing on my credit report, I did not receive a notice of my right to dispute. I understand that this is a violation of federal collection law.
Product: Credit reporting

On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My experian account is so XXXX up, double bank accounts of the same account, 15 accounts that need attention
Product: Debt collection

My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated.
Product: Debt collection

On XX/XX/XXXX, my father recieved a call from Williams and Fudge regarding my student loan debt of just over {$9000.00}. I left school in XXXX and had a payment plan set up, though Covid 19 had put that on hold. 
My father was threatened that if I do not pay my loan debt, they will begin garnishing his paychecks instead. 
This call and threat are illegal under the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p, mainly parts 805 section B and 807 section 4.
Product: Money transfer, virtual currency, or money service

In XXXX I received a job notification and I applied for it. The person with the email XXXX gave me an overview of what the job would be which was to be a personal assistant and transfer money to orphanages. In XXXX the person sent me a check and I electronically deposited the check and since I had seen the check not be flagged I contacted the online personal bank and asked if there was any issues with the check and the response was no so I continued with the money transfer and transferred the money to XXXX people and XXXX of them I was able to get ahold of XXXX people but XXXX never responded back to my email or sent back the {$450.00} that belonged to me because the check they had sent me had no funds. I contacted Bank of America and I never received a response or resolution.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They all the same group of lier XXXX XXXX XXXX, it is the company that brought me to the problem this company name is not exist on bbb.org No one pick up the phone 24/7 for the service.

Recently I entered in to what I thought would be a mutually beneficial arrangement with this company concerning the optimization of my POS system. The system I have already is a high quality system with all in 1 with the terminal, but their salesman convinced me that their services would be a welcome addition to my existing set up and no need the 3rd party of terminal. Though he lied about a great many things, the crucial lie was the one in which he assured me that these services would be easily integrated in to my already existing POS after apparently calling his home office to confirm that was the case. I do not have the space on my front desk to accommodate additional terminal equipment, which I made clear and which the salesperson confirmed he understood ; I would not have signed the contract if I had known that was required. After lying about the contractual terms and asking me to sign a blank contract and told me he can cancel it in 30 days if I 'm not satisfy and the Sales person simply disappeared now. XXXX XXXX XXXX has charged me for four months of services that were never rendered. Their excuse for denying me a refund is lame and hollow because they have failed to do as they promised and buy out my contract with said current POS company. Their response to my concerns has been insulting and demeaning, not least because they are obviously taking advantage of the language barrier ( I speak english as a second language ). Furthermore, the nature of our communications in addition to conflicting reviews online lead me to believe that if they are not operating illegally then you are certainly close to it.

I 'm trying to contact them and their partner but still XXXX.

Now 100 of small business got a nightmare from this company because it is in the wind. but Attorney General XXXX XXXX XXXX filed a lawsuit against XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX-XXXX XXXX  alkla XXXX XXXX XXXX., XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ( collectiveiy, " XXXX XXXX '' ), as well as principal, XXXX XXXX alkla XXXX XXXX XXXX, law firm XXXX XXXX. XXXX, XXXX, and several others, on XXXX XXXX,2016. The lawsuit accuses XXXX XXXX of engaging in illegal and deceptive business practices in the leasing of credit card processing equipment to smali business owners. The lawsuit seeks to enjoin the respondents from engaging in these practices, rescission of leases obtained by fraud or other misconduct and restitution. In addition to this relief, the lawsuit seeks to vacate default judgments obtained by XXXX XXXX by fraud, misrepresentation or other improper practices. https : XXXX Now they try to use legal hold my money from my bank. So I have no idea why they still alive and make people suffer more and more. https : XXXX
Product: Credit reporting or other personal consumer reports

THIS FALSE AND INNACURATE REPORTING AND FAILURE BY XXXX AND XXXX TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM AMERICAN EXPRESS, XXXX  AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on XXXX occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( XXXX ), Denied a personal loan by XXXX Financial institutions due to ( XXXX ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX : Denied a mortgage pre-approval by a XXXX XXXX ( XXXX ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( XXXX )., XXXX : Denied a home loan by XXXX Bank ( XXXX ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( XXXX ) XXXX : Denied an apartment lease application by a XXXX XXXX  ( XXXX ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( XXXX ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from XXXX and XXXX, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''
Product: Mortgage

A brief history : * We closed out our loan with PHH Mortgage on XX/XX/2020. 
* We waited the 30 days or so for the escrow check to be processed. 
*First call to check on check status in early XXXX, told it was in the mail as of XX/XX/XXXX ; was asked by agent to please wait a few more days. I waited ~5 days, but did not receive check **Meanwhile, I did receive several other pieces of mail from PHH dated later than XX/XX/XXXX ( e.g. final escrow analysis ). Find out in later conversations that the escrow department has been sending checks to my street address but in XXXX XXXX not XXXX XXXX where I live. 
*I called again the next week XX/XX/XXXX, this time the call escalated to Mr. XXXX . He  said they would send a check. A XXXX arrived the XX/XX/XXXX with a check!! I then deposited that check only to find out a few days later that the funds were rejected by the PHH 's  bank, since the check I was sent had a stop payment placed on it. 
**My bank charged me {$12.00} returned item chargeback fee for the trouble *I call back again, XX/XX/XXXX to XXXX. Find out that PHH cut another check XX/XX/XXXX and then sent that check to my street address, but again XXXX XXXX, and they " will escalate '', with no promise on timeline Called yesterday XX/XX/XXXX for a status update, nothing back Called again today, XX/XX/XXXX for status update, again no progress
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted XXXX  disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted XXXX  reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, Transunion has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
I have sent several dispute letter to Transunion to verify my address, name, DOB SSN Employer and no action has been taken. 
This is the tracking number of the USPSXXXX and XXXX,
Product: Debt collection

XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : Acct # XXXX will not and can not provide a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$240.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be removed from my credit file : Unauthorized Accounts : XXXX. XXXX  XXXX XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

My mother stole my identity and is opened up an account against my wishes with my social security number and they did not believe me.
Product: Checking or savings account

My direct deposit goes into my Capital One Checking account. It was supposed to hit Thursday night. I was notified by a generic email late Thursday afternoon that they were having an issue with deposits and that it would be resolved by Friday morning. It is Friday night and I do not have my paycheck. My account is overdrawn due to automated bills. There has been no updated timeline for this to be fixed. I also can not withdraw money from my savings from the ATM to buy groceries or diapers or pay my light bills.
Product: Vehicle loan or lease

I have a fixed simple interest loan with XXXX at a XXXX  % interest rate. XXXX XXXX was {$XXXX} ( XX/XX/XXXX ) with a balance of {$XXXX} ( XX/XX/XXXX ) .My payments are due on the XXXX of each month, and I have consistently made my payments within BMOs stated XXXX grace period. However, I have noticed multiple irregularities in how my payments have been applied, with some months showing {$XXXX} applied to principal and highly inconsistent distributions of my payments. 
Key Concerns : Payments Not Applied to Principal Properly : On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently, XX/XX/XXXX, my payments were fully applied to interest with {$XXXX} applied to principal, despite making a full payment ( and in some cases, extra payments ). 
The remaining months show random and inconsistent amounts applied toward principal, despite identical payment amounts and timing. 
Lack of Transparency & Unexplained Discrepancies : I have contacted XXXX customer service and the escalation department XXXX separate times, each call lasting over an hour, trying to resolve this issue. 
The last escalation representative advised me to go into a branch, which I did, yet I still have not received any response or resolution.

Failure to Provide Clear Accounting : Despite multiple requests, BMO has not provided a clear breakdown of how my payments are calculated and applied under my simple interest loan.

If my loan accrues interest daily, I need a clear explanation of why full payments are not reducing my principal consistently. 
Attempts to Resolve : XX/XX/XXXX I called XXXX customer service and was told the issue would be escalated. 
XX/XX/XXXX I called the escalation department, where I spent over an hour on the phone and was again told it was being escalated. 
XX/XX/XXXX I called the escalation department a third time, spending another hour, and was told to visit a XXXX branch for assistance. 
XX/XX/XXXX I visited my local XXXX branch and spoke with XXXX XXXX from the XXXX XXXX XXXX location, who said he would email the loan department and follow up on Monday XX/XX/XXXX XX/XX/XXXX I followed up via phone, but no updates were available. 
XX/XX/XXXX I called again, and the banker confirmed that he still had not received a response.